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Live before you Die

Saturday, July 11, 2009

10 things your assisted-living facility won't tell you

BETTY ANN DRESSER wanted badly to trust the marketing director at Village Retirement Communities, an assisted-living company in Greenville, R.I. Her father, Howard Wyllie, suffered from both diabetes and Alzheimer's disease and had recently been discharged from another assisted-living facility that no longer had the resources to care for him. Dresser needed a new solution and she needed it fast. So when the first facility suggested she give Village a try, she called right away.
Dresser knew that her father needed lots of attention. He required a strict diet, as well as assistance with taking his medications. And because his Alzheimer's was well advanced, he needed what the industry indelicately calls a "lock-down" facility — a building where residents can be locked in to prevent wandering. Dresser says the marketing director foresaw no problems with Wyllie's special needs and she recommended he move into the Village at East Farms, a lock-down facility in Waterbury, Conn. She wrote down some figures on the back of an envelope explaining the fee structure, Dresser says, and the two sealed the deal with a handshake.
Or so she thought.
Problems arose just a few days later as Dresser was moving her father into his new residence. Not only did the marketing director present her with a contract that raised the fee by a couple of hundred dollars a month, but it became clear she had never told the head nurse or the kitchen at East Farms of Wyllie's medical condition. The facility wouldn't, in fact, cater to his dietetic needs and officials insisted that his prescriptions be reissued in a form that was easier to administer. Six days later, the facility called Dresser and said her father was running a fever. He would have to go see his personal physician.
When Dresser's sister arrived at East Farms to collect her father, she found him sitting naked in his own feces on the edge of his bed. No one helped her clean him up or dress him. And when she got to the doctor's office, Wyllie's physician said he wasn't running a temperature and that his sugar levels were fine. When the doctor called the officials at East Farms to tell them that Wyllie was in good health, he was informed that his patient wouldn't be allowed back into the facility. "When my brother-in-law called the head nurse," Dresser recalls, "she said, 'He's your problem now.'"
Dresser and her father's experience is an extreme one, there's no doubt about it. But their story raises a number of issues that, unfortunately, have become all-too-common in the sprawling, multibillion-dollar assisted-living industry. Lack of adequate care, broken marketing promises and a dearth of federal regulation are just a few.
Not all assisted-living residences, of course, suffer these problems. If you keep your eyes open, read the fine print and adjust your expectations, it's certainly possible to place your loved one in a facility that lives up to the industry's promise — providing a more comfortable, independent living experience than a standard nursing home. But as the financial pressures build on this fast-growing industry, problems are likely to proliferate. And in order to make an informed decision, you need to know what to look for. Here are 10 things that your average assisted-living director may not tell you.
1. We promise more than we can deliver
The biggest misconception consumers have about assisted living is that once their loved one is accepted into one of these facilities, he or she will live there for a very long time — perhaps avoiding a nursing home altogether. But nothing could be further from the truth. In fact, the average resident stays only two years. Why? The assisted-living business model was never intended to provide care for frail and sickly seniors. When they get that way — as they inevitably do — many facilities will insist that they leave. In fact, state law often requires it.
To the extent that the industry acknowledges there's a misconception, it tends to blame consumers. "You can tell people [the rules] over and over again," says Whitney Redding, a spokesperson for the Assisted Living Federation of America. But when faced with family crisis, she insists, they often don't listen.
Our reporting suggests a more common reason for the confusion: marketing. As in Dresser's case, assisted-living companies — struggling to fill their beds — often suggest that their goal is to adjust to your loved one's needs, even if they become substantial. It used to be called "aging in place," but after pressure from consumer groups, the industry now discourages that phrase. Buzzwords aside, the message remains the same.
That is, until you read the disclaimer. Scan Altera Healthcare's (ALI) Consumer Information Page and the message is quite different. It says: "At times, medical condition, state regulation or failure to meet your obligations under the Resident Agreement dictates a move from our residence." In other words, if you require skilled nursing or need too much personal assistance, management can kick you out. So much for "postponing or eliminating" that move to a nursing home.
Even if a facility wants to keep your loved one on, the state may require he or she be moved to a nursing home. Consider the case of Marcia Gutterman, whose mother barely got settled into her Florida assisted-living residence before she had to move out. After less than two months Theresa Chasan fell and broke her hip, and according to Florida state law she had to move to a nursing facility. In Florida, an assisted-living facility with a basic license isn't allowed to tend to a resident who is bedridden for more than seven consecutive days.
Exceptions are made in terminal cases when hospice care is brought in. But the fact remains, if your dad's health deteriorates sharply, you run the risk he will be asked to leave just when you can least cope with it. How can you protect yourself? Read the resident contract very carefully and have a lawyer look it over before you sign. That way you can be prepared for an emergency situation.
2. We can raise our prices at any time
Get ready for sticker shock. The average assisted-living complex charges $2,000 a month for basic services and some of the pricier residences can run as high as $6,000. Moreover, while Medicare and Medicaid cover nursing-home care, they don't pay for assisted living. (There are four states where a Medicaid waiver can be granted, but funding is limited and hard to come by.) Seniors who are trying to work out a budget also need to realize that a complex can raise its prices at any time — and with little notice — warns Meredith Coty, the state ombudsman in Oregon.
The problem is often exacerbated by the industry's headlong growth. When a new facility opens it will often offer consumers a teaser rate to help fill the beds. Then, once the rooms are filled, it will hike its prices. Another tactic is to charge residents a basic monthly rate to cover a flat set of services and then tack on additional charges for care not included in the basic list.
When Lisa Lewis moved her father into Alterra's Sterling House in Ponca City, Okla., she was promised the fee would only increase incrementally as her salary rose over time. But less than two years later, her father was forced out of his residence after a new assessment program was instituted adding an additional $800 to his monthly bill — a burden the family couldn't afford. Alterra charged him every time he forgot to flush the toilet or when he needed help changing his clothes. He was even assessed because the staff had difficulty understanding him since his dentures didn't fit properly. The move back to Lewis's home proved traumatic for her father and he died less than two months later. When we called Alterra for comment, we were told the company doesn't discuss individual residents.
The key in a case like this is to ask beforehand what's covered by your contract and what's not. If your parent has special needs, count on paying an additional fee to have them taken care of. If the facility charges for something as silly as flushing the toilet, you might consider moving to the competition.
3. Our staff has very little training
According to Jeff Goldman, a former Manor Care (HCR) executive in charge of development and marketing, most assisted-living facilities were never designed to accommodate frail seniors or people with major health problems. The financial models, he says, were set up with "old ladies in fuzzy slippers" in mind.
Chains like Sunrise Assisted Living (
SNRZ) and Alterra have tried to adjust by offering services to residents with higher degrees of "acuity." But even the best and most expensive assisted-living complexes man their facilities with mostly unskilled workers. The majority of the staff are personal aides working for close to the minimum wage. The folks who distribute medication need as little as 16 hours of classroom instruction in some states to qualify for the job. Even in Virginia, which is known for its strict rules, the training requirement jumps to just 48 hours.
Karen Love, a consumer advocate who works with the Consumer Consortium on Assisted Living, can personally attest to what a problem this can cause. During the mid 1990s she worked as an administrator for Sunrise Assisted Living's Arlington, Va., facility. She resigned after she realized she couldn't run a safe residence under the corporation's strict rules and staffing constraints. Her No. 1 complaint was that the caregivers had such little training. "You can't just throw [staff members] into a room and show them a tape," she says. "That's not meaningful training."
The incident that pushed her into consumer advocacy happened back in January 1995. One evening, a resident was found unresponsive in her wheelchair and the staff members were flummoxed. Rather than call 911 immediately, they first tried to perform a barbaric version of CPR. Then, thinking she was dead, they left the resident alone in her room for nearly an hour before help was called. "They freaked out," Love says, and "acted the way untrained people would." The resident died later that evening in the hospital.
Love blames an industry that expanded too quickly, growing at a compounded annual rate of 10% through out the 1990s. The pressure to make each new building profitable has been tremendous. A number of companies, such as Balanced Care and Alterra, admitted publicly that they struggled to meet debt obligations. It's clear looking back that in a rush to meet expected demand, many assisted-living operators pursued ill-conceived business models and failed to create the management infrastructure needed to operate a service-intensive business successfully. This includes keeping up with necessary infrastructure and support.
Asked to comment, a Sunrise spokesperson said, "We provide a safe and secure environment for residents and staff residences adequately to meet requirements enforced by each state and to meet our own guidelines."
4. Medication errors are common and our pharmacy charges too much
Trusting an assisted-living facility to properly dispense your medication is a bit like playing Russian roulette. Errors are common. While Lisa Lewis's father lived at Alterra's Sterling House, the health department found the facility failed to administer his ordered medications on 20 different occasions during the last four months of his stay. And during 15 of the 17 months he lived there, records indicate that the company lapsed in ordering or obtaining his medications.
Coty, Oregon's ombudsman, was hardly flabbergasted when we shared Lewis's story. "There is an epidemic [breakdown] in the medication administration system," Coty says. She also warns that pharmacies affiliated with assisted-living facilities will often charge residents more for prescriptions than an independent druggist would. When possible, residents should continue to use their own drugstore. But don't be surprised if your facility requires medications to come in a certain format, such as bubble dispensers, that may only be available through an affiliated pharmacy.
5. We face scant regulation
Al Schmidt's wife suffers from Alzheimer's disease and when he could no longer care for her on his own, he moved her into an assisted-living facility that appeared safe and loving. Only once it was too late did he realize that his spouse was better off at home.
While residing at Sunrise Assisted Living's Northville, Mich., facility, Ruth Schmidt was sexually abused by another resident who also suffered from dementia. This was discovered when an aide walked in on the man performing a sex act on Schmidt. The aide was instructed by the administrator of the facility not to report the incident to authorities, not document it in their files and not to tell Al Schmidt. The husband only discovered what had happened after a former employee felt a pang of guilt and called him at home to confess what she knew.
The facility initially denied the occurrence. But after the Northville police department investigated for criminal activity, Sunrise claimed that Ruth Schmidt — who can't think rationally — chose to participate in consensual sex. According to a state report, the administrator regrets trying to hide the incident, but chose not to tell Schmidt in an effort to spare his feelings. For his part, Schmidt isn't trying to conceal anything. "I want the world to know what goes on and I want it stopped," he says. A Sunrise spokesperson says the company doesn't comment on individual residents.
Unfortunately, Schmidt learned he had very little recourse against Sunrise. Since the facility didn't initially report the incident, there are no tangible records. And unlike nursing homes, which are federally regulated, assisted-living residences tend to face light state regulation. Marguerite Schervish, the long-term-care ombudsman for Michigan, says assisted-living facilities in her state, by law, have no requirement to protect vulnerable people other than what might be typically provided under a landlord/tenant relationship. Conversely, she says a nursing home would be liable and the state would take an accusation of sexual abuse in a licensed facility very seriously.
"It is up to a jury to prove without a reasonable doubt that she was abused, not the state prosecutor," Schervish says. Also, since assisted living isn't regulated by the federal government, rules and regulations differ by state. For information on your state's rules, check with your local department of aging or you can browse through the National Center for Assisted Living's state regulatory
review.
6. You're practically on your own at night
A lot of seniors are like Elsie Lox. She moved into Atria Retirement & Assisted Living's Cranford, N.J., residence precisely because she wanted to have someone to watch over her in the evening. Only after settling in did she discover she was more alone than she had hoped. "At night, everyone went home and no one knew what was happening," says Lenore Lox, Elsie's daughter-in-law. The residence — which has more than 200 residents — employed just one aide to cover the night shift. Not exactly the security and care Elsie felt she was paying for.
Realizing she couldn't count on Atria, Elsie wore an emergency call button that contacted an outside service. The rest of her care eventually fell upon the shoulders of family. Lenore Lox and her husband spent countless evenings driving the 45 minutes back and forth from their home to the facility every time Elsie got a stomachache, felt dizzy or fell out of bed. The only help the night aide was trained to provide was placing a call to the ambulance.
Goldman, the former Manor Care executive, says the relatively healthy seniors that assisted-living centers were designed to treat don't really need 24-hour nursing care. But as the sector exploded from its infancy in 1981 to a $15.7 billion industry in 1999, beds needed to be filled and facilities started accepting people with more and more acute needs. The problem was, they couldn't increase staffing because that would inflate costs further, Goldman says. And they couldn't overtly raise rates because they were already sky high.
So how do you protect yourself or your loved one from moving into a poorly staffed facility? Insist on taking an extensive tour at different times of day to be sure there is adequate staff. It's rare that you would find a residence that's fully staffed in the evenings, but some are better than others. Observe whether the aides know the residents names and ask how many residents each staff person is responsible for. Don't be shy. Step right up and start talking to the people who already live in the residence. They'll tell you if they get enough service and attention.
7. You may have to hire a private-duty nurse, too
A few months ago, Heather Oppenheimer received a phone call. The administrator at Cincinnati's Evergreen Retirement Community wanted to meet and discuss her mother-in-law's care. Oppenheimer was told that her mother-in-law, who suffers from Alzheimer's disease, needed help with toileting and bathing. This was more care and personal attention than the assisted-living facility was willing or able to provide.
The administrator recommended that Oppenheimer hire additional help from 7 a.m. through 9 p.m. — in other words, for most of the day. If she refused, her mother-in-law would be forced to move into a nursing home — only the one on the same campus was already full. Oppenheimer decided finally to comply with the facility's costly request. Now her mother-in-law is being tended to by a home-care nurse who costs an additional $100,000 a year.
Oppenheimer's experience is far from unique. "Once we can't keep up with all of [a resident's] needs, we give them the option to get more help or move to a nursing unit," Janet Lence, an assistant administrator at Evergreen, says. Although a facility will often offer a long menu of services, that doesn't mean your loved one is entitled to all of them. Each resident is allotted a certain amount of personal time and once that time is up you either have to pay more or get outside help.
Connie Rosenberg, president of the National Association of Professional Geriatric Care Managers, says you need to factor those costs into your budget if you plan on keeping your loved one in an assisted-living facility for more than a couple of years. The last thing you want is to expend the family's resources on the basic service and then be left with few options for care, she says.
8. We stop spending once our beds are full
From our research, we found that the newer the facility the better the maintenance and care. Why? Companies need to fill their beds. When shopping for an assisted-living residence, consumers often pay close attention to the appearance of a facility. So it's in a company's best interest to maintain the grounds and make their current residents happy.
Lenore Lox found that her mother-in-law's assisted-living facility deteriorated significantly during the seven-plus years she lived there. First, a major corporation bought out the facility. Then, soon after the property changed hands, a new administrator came on board who didn't manage the operations with the same firm hand. Dr. Jon Pynoos, of the University of Southern California's Leonard Davis School of Gerontology, says consumers need to be very vigilant to avoid problems. "[It's] easy [for a facility] to slip into doing a very poor job," he says. "All it takes is an administrator to not know what she is doing."
To make sure your facility is keeping up to snuff, ask to see its most recent inspection report. Although each state varies, most conduct a full survey once every two years and document any problems, ranging from faulty paperwork to safety concerns and general cleanliness. This document should be available at the front desk. If it isn't, consider it a red flag.
9. Practically anyone can hang an assisted-living shingle
Steve Sheley, a registered nurse who owns Freedom Oaks, a small assisted-living residence near Orlando, Fla., says he was surprised by how easy it was for him to open his facility. After taking a one-week class, he was ready for business. You too can open a facility. It doesn't matter that you have no medical or industry experience. Getting a license, which you don't even need in certain states, is remarkably simple. In Florida, a state known for protecting the elderly, an administrator need only take a 26-hour course and pass an exam before setting up shop. The facility itself receives a license upon physical inspection, where state officials check for safety and cleanliness.
Consumers also need to realize that assisted living is just a marketing phrase, not a regulatory term, says Alison Hirschel, an elder-law specialist at the Michigan Poverty Law Program. Almost any building catering to the elderly can use this title, though their services may range from a room with a call button to a full-service facility. Hirschel also confirms that there have been nursing homes in Michigan that were shut down for various reasons, but were allowed to reopen under the assisted-living shingle.
10. Check your dignity at the door
The guiding philosophy behind assisted living is to treat seniors with respect and help them maintain their dignity. After all, that's the major reason people choose one of these facilities over a nursing home. But while some facilities excel at this, others fall short. And as the string of examples above shows, it's easy for a frail senior citizen to get into a situation where dignity and independence are compromised.
Sometimes the breach has more to do with civility than health issues. Virginia native Nancy Jean complains that staff at her mother's small residence nearby speaks to both the residents and visiting families rudely. The residents are relegated to the upstairs bedrooms and hallways except when eating in shifts in the small dining room. There are also restrictions placed on the amount of clothing they are allowed to keep at the facility. Jean says staff members will go through residents' closets and throw out items they feel are extraneous.
Most upsetting to Jean's mother is that she isn't trusted to hold on to her own over-the-counter remedies such as Tums and Gas-X. It embarrasses her to ask for them so oftentimes she simply goes without. "I say they have taken her dignity away," says Jean.
The best thing to do, obviously, is avoid such a facility altogether. And the only way to do that is to take several tours (preferably at different times of day) and talk to the residents themselves. "If a facility is unwilling to address the concerns, you need to start looking for another facility," says David Kyllo, a vice president at the National Center for Assisted Living. For a complete list of questions to ask during your informational tour click on the National Center for Assisted Living's
Web site.

Friday, July 10, 2009

when air travel goes wrong, here's how to get compensated

FOR THE PAST FOUR months, Mahesh Soori has been engaged in a slow and torturous battle with United Airlines for what he says is a well-deserved refund.
The refund stems from travel his parents endured last summer. The nightmare began halfway through a long journey from Omaha, Neb., to Colombo, Sri Lanka. During a stopover in Los Angeles — as they prepared to catch a flight to Singapore — a United Airlines agent informed them their tickets were invalid because their ticket information wasn't in the system, says Soori. Already halfway through their journey, the Sooris, who are both in their 70s, had no choice but to pay $2,860 for new tickets.
Soori soon took up the cause of getting that money back for his parents. (Because of their age, he feels he's better suited for the task.) He explained the situation in a letter to United and the airline responded that while the original reservations appeared to be in order, a computer glitch lead to the mishap. As "a gesture of goodwill," the company enclosed two $300 travel vouchers.
Soori's frustration has grown to such an extent that he now has a
blog that details every phone call and letter he's sent. He may be on the verge of success: On Wednesday, the airline offered to reimburse him for the unused portion of the original tickets if he mailed them back. Still, that may not make the tab whole — the airline has not yet offered to refund the money that the Sooris paid for the new ticket, which cost considerably more. (United Airlines says that after looking into the situation, the tickets were expired and therefore invalid. The ticketing agents in Omaha and Denver failed to notice that.)
The Sooris' case may be an extreme case of travel hell, but the numbers show that travel hassles are on the rise, thanks in part to more people flying and more checked bags because of new regulations from the Transportation Security Administration. In October 2006, airlines registered 7.51 lost-bag claims for each 1,000 passengers, up significantly from October 2002, when only 3.09 complaints were filed for each 1,000 passengers, according to Department of Transportation statistics. That's an average 20% increase in lost bags each year. Cancelled flights are also on the rise, up from 1% in October 2002 to 1.9% in October 2006. Same for late flights: 84.8% of flights landed on time in October 2001; in October 2006 that figure had dropped to 72.9%.
So what's a disgruntled passenger to do? Chances are, you can get some form of reimbursement for your lost time or money — but don't expect the airlines to volunteer it. You have to be proactive about researching your rights and an airline's policies, and then making sure the airline holds up its end of the deal. Even then, success is not guaranteed.
"The airlines do have the upper hand on the situation; they determine how much to reimburse you," says Anne Banas, executive editor of travel web site SmarterTravel.com. "So it's up to the traveler to know [his or her rights] before traveling."
Here's a guide:
Lost Luggage
The good news: The airlines do have policies about reimbursing customers for lost luggage. (Those are typically outlined in a document called "Contact of Carriage." The travel web site Airfarewatchdog.com provides links to each airline's contract here.) The bad news? There are so many exclusions to these rules that in the end, the airline can pretty much give you however much they want. "There are more loopholes than you can shake a stick at," says Tom Parsons, CEO of BestFares.com, a travel deals web site.
Consider this: If an airline loses your bags permanently, for example, you are entitled to up to $2,500 in compensation for domestic flights. (For international flights, you can be compensated up to $9 per pound of luggage.) But most airlines refuse to cover jewelry and valuables, electronics, fragile items, prescription medication, or any business-related items, such as merchandise.
Even for items you can be reimbursed for, such as clothes, you need to provide receipts. And then depreciation kicks in, where each airline determines how much of the clothes' original price you'll get back, says George Hobica, founder of
Airfarewatchdog.com.
That said, most airlines also have policies in place to reimburse passengers for necessities until they're reunited with their bags. That's typically a preset daily allowance that's negligibly small, Hobica says. Delta Air Lines, for example, offers $25 a day for up to five days of mishandled bags. It's awfully hard to put together a vacation wardrobe on that.
Other airlines, particularly European ones, can be more generous. Juergen Ritz, a Chicago-based German expatriate who travels to Germany at least once a month always flies Lufthansa because he knows they will reimburse him for 50% of the cost of clothing he buys if they lose his bags. He sends in the receipts and receives the checks within weeks, he says. That hasn't been his experience with domestic flights on U.S. airlines. "I'm surprised how much hassle it can be to deal with here," he says. "In the U.S. you don't get anything, or hardly anything. It's a totally different level of customer service."
Stranded at the Airport
So your flight was cancelled or delayed causing you to miss a connection. What can you do? First, find out what caused the problem, says Hobica. If it's a carrier-caused delay, such as a mechanical problem, you have a much better chance of getting reimbursement from the airline, such as meal or hotel vouchers, or even a full or partial refund of your ticket, he says. (Again, this is outlined in each airline's Contract of Carriage.) But with circumstances not under the airline's control — weather conditions, airport strikes, or, for that matter, any "act not reasonably foreseen" by the airline — it's up to that gate agent to fulfill your requests. In either case, the airline isn't required to compensate you in any way. (The only exception is if you're "bumped" from an oversold flight: You're entitled to up to $400.) And then it's all about being proactive. So be sure to ask for compensation.
Ritz, the German expatriate, always calls the airline's 1-800 number instead of lining up to rebook his flight with a ticketing agent. "If you have three or four agents and 500 people, the seats will be gone by the time you make the front of the line," he says. If he isn't comfortable booking by phone, he buys a day pass to the airline's airport club — typically $40 or so — where he gets to talk with an agent with no line whatsoever.
The Disgruntled Flier's Survival Kit
1. Always have a copy of the airline's Contract of Carriage with you, says SmarterTravel's Banas. Vague as they are, it helps to know your rights.
2. With delayed or canceled flights, try rebooking on the phone.
3. With lost bags, fill in all paperwork on the spot and ask the airline about its reimbursement or daily allowance policy.
4. If you're packing valuables in your luggage, consider buying additional luggage coverage from the airline. It will cost you a few extra bucks — the typical charge is $6 per $100 of value — but you'll get a special sticker on your bag and chances are, it will be handled more carefully, says BestFares.com's Parsons. At Delta, you can bump your insured value up to $3,000, for example, for a $30 fee.
5. Play your status. If you have elite or higher status on an airline's frequent-flier program, be sure to mention it to the gate agents. "You might get somewhat more ambitious customer service because that identifies you as a more profitable customer," says Tim Winship, editor of the web site
FrequentFlier.com.
6. Complain. Once home, don't hesitate to write the airline about your negative experience. But be reasonable and specific with your demands, Hobica says. "If you were delayed for a couple of hours, you're not going to request 10,000 frequent-flier miles and a couple round-trip tickets." Click
here for airline customer service contacts.
7. Be persistent. "Sometimes the airlines send the most ridiculous responses," Hobica says. If you're unhappy with the response, write again and escalate your case. If you don't get results from the airline, file a service complaint with the
Aviation Consumer Protection Division (ACPD).

Thursday, July 9, 2009

20 small ways to save the planet

LOOKING FOR SIMPLE — and cheap — ways to save the planet this Earth Day? We've got 20. Follow just a few of these tips, and you'll earn a green star.
1. Clean Out Your Mailbox
The average American receives 11 pieces of unsolicited junk mail each week — accounting for 100 million trees cut down annually, according to the Center for a New American Dream, a nonprofit dedicated to promoting responsible consumerism. Reducing your junk mail is easy, click here for instructions on how to do it. It takes just a few minutes of your time.
Impact

Cut the amount of junk mail you receive, and each year you'll save two trees and reduce greenhouse gas emissions by 92 pounds.
2. Look for the Energy Star Label
This government-run program puts its stamp of approval on products that meet strict energy-efficiency guidelines. It's become a given to look for the Energy Star label on big appliances like refrigerators, where the distinction means one model is at least 15% more energy-efficient than the federal standard. But you'll also find the Energy Star label on smaller purchases, including DVD players, dehumidifiers, battery chargers and cordless phones.
Impact

You'd pay the same — $30 — for a cordless phone, whether it had the Energy Star label or not. But according to Energy Star estimates, the energy-efficient version would save you $84 in energy costs each year, and reduce greenhouse gas emissions by 578 pounds.
3. Solar Charge Your Gadgets
Keeping your cellphone, iPod, PDA, digital camera, laptop computer and other portable electronic devices charged is a full-time job — for your electrical outlets. So long as they're plugged in, battery chargers keep drawing power, even if there's no device to charge (or the battery is already at full capacity). Get your gadgets off the grid with a SolarStyle SC002-Charger FK ($56). Its seven connectors can adapt any of your devices. Just plug 'em into the checkbook-size device and place it in a sunny spot.
Impact

By Energy Star estimates, if Americans switched their estimated 230 million portable electronic devices to more energy-efficient chargers, each year we'd prevent the release of one million tons of greenhouse-gas emissions. Someone switching over three devices — say, a digital camera, a cellphone and an MP3 player — would personally reduce greenhouse gas emissions by 26 pounds.
4. Flush Out Wasteful Habits
Most toilets use 3.5 gallons of water per flush; low-flow models use just 1.6 gallons. Make your porcelain throne run like one that's more energy-efficient by placing a gravel-filled gallon milk jug inside the basin. That causes the basin to fill more quickly, and with less water.
Impact

A filled gallon jug displaces a gallon of water in your tank. You'll save one gallon of water with every flush. Assuming you flush twice a day at home, that's 730 gallons over the course of a year.
5. Pick Organic Cotton

It takes one-third of a pound of chemical fertilizers and pesticides to produce enough cotton for one T-shirt, according to TreeHugger.com, a site dedicated to promoting sustainability. Go a greener route — without giving up brand names — by looking for organic cotton at your favorite retailer. A pair of women's Levi's eco skinny jeans goes for $65; conventional pairs range from $48 to $182. In March, Gap began offering organic cotton tees for men. At $16.50 each, they're priced the same as other plain T-shirts offered.
Impact

Buy one organic T-shirt, and that's one-third of a pound less chemicals making it into the soil. Jeans? Depending on the cut, that's at least a whole pound less.
6. Supercharge Your Coffee
Picking the right brand of coffee can be as energizing for the planet as for your brain. Peace Coffee sells only beans that are organic, fair trade and shade grown. Put plainly, they support small farms that don't use chemicals or clear the land of trees to make room for more coffee plants. You'll pay $10 to $12 per pound. For an extra jolt, try the new "Sow the Seeds" blend of beans from Ethiopia, Colombia and Sumatra — $2 of the $12 purchase price go to conserve farmland in the Midwest.
Impact

For the same price per pound as conventional blends from Starbucks, Peet's Coffee & Tea and others, you're getting the added benefit of supporting sustainable growing methods.
7. Say It With (Organic) Flowers
This Mother's Day, show Mom how sensitive and caring you are. You didn't just remember to send flowers, you also helped the planet at the same time! Organic Bouquet, a national delivery service, sends eco-friendly blooms fresh from growers. A 35-bloom bouquet of organic stargazer lilies is $60. Bonus: A free reward program lets you earn one point per $1 spent, with points redeemable for discounts of future orders.
Impact

Prices are competitive with, and often beat, those of other national flower delivery services. (Those stargazer lilies, for example, are $70 at ProFlowers.com.) You'll simultaneously save $10 and promote eco-friendly growing methods.
8. Offset Your Emissions
Each time you drive, fly or switch on your kitchen lights, you're using energy — and producing harmful greenhouse gases as a result. In this case, every little bit hurts. A family of four that drives two cars, spends $274 a month on electricity/gas; one cross-country flight for that family produces a whopping 53,766 pounds of harmful emissions annually, according to estimates from Terra Pass, a company that invests in clean energy projects.
But you can make less of an impact without giving up your car. Several companies, including Terra Pass and
Driving Green help counterbalance emissions with contributions to projects producing clean energy (say, building wind-power turbines) or reducing emissions (harnessing harmful methane gas for energy production).
Impact

Driven 12,000 miles annually, a 2006 Mercedes-Benz S500 emits 13,200 pounds of carbon dioxide. A $48 Drive Green pass counterbalances that amount in clean energy production.
9. Fly Emission-Free
Picking the right airline is another way to reduce the harmful carbon gases produced during flight. New airline SilverJet is carbon neutral, which means it offsets the greenhouse gases emitted during flight by investing in projects that produce clean energy. A fee to offset carbon emissions is built into each fare. British Airways offers, but does not require, a similar fee add-on. Depending on the distance between your departing and arriving airports, the fee could be as little as $10.
Impact

A round-trip ticket from New York to London Sept. 1-8 would cost you $993 on either British Airways or Continental Airlines. But only the British Airways fare includes a $20 fee to counterbalance the 2,957 pounds of greenhouse gases emitted during the trip.
10. Try "Wet" Dry-Cleaning
Nearly 95% of dry-cleaners use the chemical perchloroethylene, or "perc," to clean your clothing, notes the Environmental Protection Agency (EPA). The problem? It's a known carcinogen, and a common soil contaminant when it leaches into the soil from dry-cleaning facilities. Alternative dry-cleaning methods that use water or liquid carbon dioxide are no more expensive, and much better for you and the environment. OXXO, a Florida-based chain that uses environmentally-friendly solvents, has begun expanding nationwide. You can also search for your nearest wet dry-cleaners here and here.
Impact

Not only will you reduce your exposure to a toxic chemical, but you'll also be preventing the release of more harmful perc into the soil.
11. Recycle Your Electronics
Instead of kicking your old dinosaur of a computer to the curb, take the time to dispose of it properly. Electronics account for 4% of all solid waste, according to the EPA. A hefty portion of that is the lead, mercury and other hazardous materials found in circuit boards. Even the plastic cases of some devices can become toxic over time. Happily, most sanitation departments and electronics manufacturers have recycling programs in place. Hewlett-Packard's Recycling Center, for example, charges $48 to dispose of a desktop computer, but gives you a $50 coupon on your next purchase. For more tips, click here.
Impact

By EPA estimates, properly disposing a desktop computer keeps about three pounds of hazardous materials (from the computer's components) out of landfills.
12. Cool Down
There's a big difference between a hot shower and one that's scalding. You can prevent the latter and save energy by lowering your hot water thermostat to about 120 degrees, notes Consumer Reports' Greener Choices. Bonus: Less heat will escape from the boiler, which means you'll spend even less on cooling your home during the summer.
Impact

Lowering your boiler from high to medium heat can chop your bill by as much as 10%, according to Consumer Reports. For someone spending $300 a month, that's an annual savings of $360. You'll also reduce greenhouse-gas emissions by 2,474 pounds.
13. Click Here to Do Good
Add some oomph to your charitable donations by making every mouse click count. From search engines to shopping portals, there are plenty of free ways to send a little more to nonprofits in need. Link to the Barnes & Noble web site through iGive.com, and you can send 2% of your purchase to the Sierra Club (or any other of thousands of eligible nonprofits). Conduct your web searches through GoodSearch.com (instead of, say, Google) and generate 10 cents each search for Action for a Clean Environment. For more sites to try, click here and here.
Impact

In March 2006 alone, 2.3 million free click-throughs on The Rainforest Site generated enough contributions from advertisers and other sponsors to save 616 acres of rainforest. An individual clicking through every day for a year could fund preservation for 4,161 square feet.
14. Eschew Plastic Bags
Paper or plastic? If you really want to make an impact, "neither" is the right choice. Although producing plastic bags uses 40% less energy than paper ones, they also take 12,000 times as long to decompose, according to the EPA. The best solution is to provide your own bags, be they reusable totes or plastic picked up during an earlier shopping trip. Plenty of grocers give discounts for reusing bags. At Whole Foods, you'll save five cents for every bag you provide; ShopRite knocks off two cents per bag.
Impact

If every person in New York City used one fewer plastic bag each year, it would reduce waste by five million pounds and save 22 barrels of oil, according to the EPA. You, individually, would save 0.02 ounces of oil for every plastic bag reused, refused or recycled.
15. Eco-Renovate Your Home
If you've been putting off buying a new water heater or replacing those old windows, this year is the year to make it happen. Not only will eco-friendly home renovations give your home a facelift, but done right, they also reduce energy bills and qualify you for a tax break next April.
Impact

Buying an energy-efficient water heater would net you a tax credit of up to $300. It would also cut your annual utility bill by about $64 and reduce greenhouse-gas emissions by 440 pounds.
16. Stay at an Eco-Resort
OK, so you're not the camping type. That doesn't mean you can't have an environmentally friendly — and luxurious — vacation. At the four-star El Monte Sagrado in Taos, N.M., for example, your room includes a private patio, gas fireplace and hot tub. But the resort is also geothermally-heated and solar-powered. Wastewater is purified and used to irrigate ponds on the property.
Impact
Say you were looking for a beach-front villa at an all-inclusive resort on Andros Island in the Bahamas. You'd pay $495 per night at Emerald Palms, $430 per night at Tiamo Resorts. But only the latter uses 100% solar power. A solo traveler would save $65 a night and promote sustainability on the island.
17. Check Your Tire Pressure
Improving your gas mileage is beneficial to your wallet and the environment — you'll spend less on gas, and your car will emit fewer greenhouse gases. The simplest way to improve your mileage is to check your tire pressure. Properly inflated tires improve gas mileage by 3.3%, according to the Alliance to Save Energy.
Impact

For the expense of a quarter or two at the local gas station, someone driving a 2007 Ford Focus 12,000 miles annually would save $35 in gas and reduce greenhouse-gas emissions by 254 pounds.
18. Blend Home Heating Oil
Staying warm and increasing your home's energy efficiency during the winter don't have to be mutually exclusive propositions. One way to do both is to blend your petroleum home heating oil with biodiesel made from animal fat or vegetable oil. You'll pay more at the outset — a blend of oil and biodiesel is usually just two to three cents more than regular oil alone, according to the National Oilheat Research Alliance, a trade group. But making the switch doesn't require any additional home modifications, and you'll reduce your carbon emissions by 20%. To find a supplier, click here.
Impact

For a household that spent $1,118 to heat their home last winter, switching to a mix of home heating oil and biodiesel reduces greenhouse-gas emissions by 1,537 pounds. They'd see their bill go up $14.
19. Rent a Hybrid
The benefits of saving energy and using less gas aren't limited to owning a hybrid vehicle. They're just as helpful to the world — and even more so for your wallet — when you're renting. While some rental companies have a few hybrids (Enterprise, for example, offers the Toyota Prius), EV Rental offers only environmentally friendly vehicles. They have counters at airports in 12 states, as well as in 12 countries abroad, including the United Kingdom, Mexico and Costa Rica. (For the latest in hybrids from the New York International Auto Show, click here.)
Impact

Say you're driving 500 miles over the course of a weeklong rental in Phoenix. Renting a Toyota Prius from EV Rental would reduce greenhouse-gas emissions by 143 pounds, compared with a Chevy Aveo from Alamo Rent-A-Car. (You would, however, pay $100 more for the weeklong rental; $64 when you factor in fuel savings.)
20. Skip Bottled Water
In 2006, Americans spent a record $11 billion on bottled water, according to the Earth Policy Institute. Hydration is good, but all those bottles require a liquid fuel of a different kind to produce — 1.5 million barrels of crude oil. Go bottle-less and fill up a reusable container with filtered water from your sink. For $125, the Aquasana Water Filter hooks up to your tap and provides up to 30 gallons of filtered water an hour.
Impact

By switching to a water filter or drinking from the tap, someone who drank a $1.50 bottle of water a day could save 2.3 liters of oil annually — not to mention a whopping $547.50 ($447.50, after purchasing the filter).

Wednesday, July 8, 2009

why should the wedding ring be worn on the fourth finger

Thumb represents parents
Second finger represents brothers & sisters
Center finger represents own self
Fourth finger represents your partner
Last finger represents your children
Why should the wedding ring be put on the fourth finger?
Please follow the steps below
Firstly, show your palm, center finger bend and put together back to back
Secondly, the rest 4 fingers tips to tips as shown in the pic ..
Try to open your thumb
the thumb represents parents
it can be open because every human does go thru sickness and death
which means our parents will leave us one day.
Please close up your thumb
then open your second finger
the second finger represents brothers and sisters
they do have their own family which too means that they will leave us too.
Now close up your second finger
open up your little finger
this represents your children
sooner or later they too will leave us for they have their own life to live.
Nevertheless, close up your little finger
try to open your fourth finger in which we put our wedding ring
you will be surprise to find that it cannot be open at all
because it represents husband and wife
this whole life you will be attached to each other.
Real love will stick together ever and forever. . .

Tuesday, July 7, 2009

50 romantic things

50 Romantic things to do with your girl/boy friend
1. Watch the sunset together.
2. Whisper to each other.
3. Cook for each other.
4. Walk in the rain.
5. Hold hands
6. Buy gifts for each other.
7. Roses.
8. Find out their favorite cologne/perfume and wear it every time you're together.
9. Go for a long walk down the beach at midnight.
10. Write poetry for each other.
11. Hugs are the universal medicine.
12. Say only when you mean it and make sure they know you mean it.
13. Give random gifts of flowers/candy/poetry etc.
14. Tell her that she's the only girl you ever want. Don't lie!
15. Spend every second possible together.
16. Look into each other's eyes.
17. Very lightly push up her chin, look into her eyes, tell her you love her, and kiss her lightly.
18. When in public, only flirt with each other.
19. Put love notes in their pockets when they aren't looking.
20. Buy her a ring.
21. Sing to each other.
22. Always hold her around her hips/sides.
23. Take her to dinner and do the dinner for two deal.
24. Spaghetti? (Ever see Lady and the Tramp?)
25. Hold her hand, stare into her eyes, kiss her hand and then put it over your heart.
26. Dance together.
27. I love the way a girl looks right after she's fallen asleep with her head in my lap.
28. Do cute things like write I love you in a note so that they have to look in a mirror to read it.
29. Make excuses to call them every 5 minutes
30. Even if you are really busy doing something, go out of your way to call and say I love you.
31. Call from your vacation spot to tell them you were thinking about them.
32. Remember your dreams and tell her about them.
33. Be proud to introduce her to your friends - "She's the one"
34. Tell each other your most sacred secrets/fears.
35. Be Prince Charming to her parents.
36. Brush her hair out of her face for her.
37. Hang out with his/her friends.
38. Go to church/pray/worship together.
39. Take her to see a romantic movie and remember the parts she liked.
40. Learn from each other and don't make the same mistake twice.
41. Describe the joy you feel just to be with him/her.
42. Make sacrifices for each other.
43. Really love each other, or don't stay together.
44. Let there never be a second during any given day that you aren't thinking about them, and make sure they know it.
45. Love yourself before you love anyone else.
46. Learn to say sweet things in foreign languages.
47. Dedicate songs to them on the radio.
48. Fall asleep on the phone with each other.
49. Stand up for them when someone talks trash.
50. Never forget the kiss goodnight and always remember to say, "Sweet dreams."

Monday, July 6, 2009

cheating partner

Is Your Partner Cheating?
Catch Your Cheating Partner
By : Madmasti Editorial
It is true that you are a miserable person once you suspect that your partner is cheating on you.
It is important to bear in mind that you don't tell your partner of your suspicions until you gather a concrete proof. You don't tell about your plans or otherwise he/she will be more careful so it will be impossible to catch him/her.
You never confront him/her until you are absolutely sure. You just don't assume that he/she is being unfaithful but take some actions which might give you some clue.
Note down the most frequently used phone number
You may look for the details of the phone number you don't recognize and note the details of the call made/ received. Take for instance, a phone number which is on regular use (particularly the call which was made while he/she was commuting or when you were not around). Note down this number. It might be come handy.
Make a call from a pay phone
You could call the number which looks suspicious from a pay phone so that you are not identified. Call out this number and don't say anything, try to recognize the person's voice who answers. Mostly it is found that he/she is seeing someone known to both of you.
Search the pockets
If you are able to get hold of his/her credit card, wallet or manage to search his pockets to trace purchase of any gift which has not been bought for you (check the specifications like the date and the kind of purchase and tally with list of gifts you have received).
You might find some bills
You might be able to find some clue from any restaurant, hotel's bills. Keep this in your custody which might be useful in using as a solid proof.
The odometer reading
Check his/her vehicles Odometer to take readings before and after his trip to verify the distance he/she has covered, this will help you co-relate with your estimated calculations, and you might be able to work out where he could have been.
Clue from the deleted mail folder
You might be able to pick some clue from his/her deleted mail folder. You might be lucky to find some of the deleted e-mails which he/she has deleted recently.
Be alert
Always listen carefully to what he/she speaks avoiding asking any questions or he/she might not talk about the same thing again.
See if you find any perfumes
Check his/her pockets or belongings to see if you find any perfumes etc which does not belong to you.
Suddenly buying new clothes
If suddenly you find he/she is buying new clothes, it could be a helpful sign that he/she is seeing someone.
Monitor recently visited websites
You can monitor recently visited websites which could be the websites of vacation resorts for a travel which you are not aware of.
If you happen to prove that he/she is cheating on you, make sure you are prepared emotionally to bear the truth.
Sit cool and think you can and should save your relation or not.
Bear in mind you might end up in handling with a difficult situation.

Sunday, July 5, 2009

happy valentine's day

Say Happy Valentine's Day in the most Romantic Way
There is a list of ideas simply state why we love someone so dearly that a lifetime doesn't seem enough to say it all.
With the help of these romantic valentine ideas you can say the right words at the right time.
So pack your gift, dress up smart and say the line your beloved is dying to hear. Happy Valentine's Day!
1. I love you for the way you complete my thoughts; for the way we complete each other's sentences.
2. I love you cause you'll never give up on me.
3. I love you for the way you look at me.
4. I love your twinkling mischievous eyes.
5. I love you because I can't imagine a day without you
6. I love you because you made me complete
7. I love you because you are always there through thick and thin.
8. I love you because even fixing a car is fun with you by my side.
9. I love you for the way we share beautiful sunsets together.
10. I love you for the strong coffee you make for me every morning.
11. I love you for the way we talk the whole night long and then cuddle up to the sunrise.
12. I love you because every time I close my eyes I see only you.
13. I love you because I trust you more than myself.
14. I love you for the way you make me laugh.
15. I love you for your thoughtful and sensitive nature.
16. I love you for the way you perfectly fit in my arms.
17. I love you for the way you read my mind through my heart.
18. I love you for the way you surprise me with your small-small gestures.
19. I love you for the way you treat my friends
20. I love you because you treat my parents like your own.
21. I love you for the trust you have in me.
22. I love you because you are never jealous of friends.
23. I love you for the way you call up just to say hi.
24. I love you because you are my soul mate.
25. I love you for the way you handle difficult situations.
26. I love you for the way you protect me all the time.
27. I love you for your love for life.
28. I love you because after so many years also your touch gives butterflies in my stomach.
29. I love you for the way my heart misses a beat every time you walk in.
30. I love you for the way you encourage me when I feel low.
31. I love you for your sense of humor.
32. I love you because you make me feel like a queen.
33. I love you cause I look forward to growing old with you.
34. I love you for the way you thank me for everyday chores.
35. I love you for the way we make up after every fight.
36. I love you for your openness to try new things.
37. I love you for the way you pamper and spoil me.
38. I love you for the way you join me in my wildest fantasies.
39. I love you for your courage to be you all the time.
40. I love you for your honesty.
41. I love you for your beautiful smile
42. I love you for your hair
43. I love you for the way you try to cook for me
44. I love you for the way you shower flowers on me
45. I love you for giving us our precious child.
46. I love you for never leaving my side even when I hurt you.
47. I love you cause I feel safe with you.
48. I love you because there is no one else above you.
49. I love you because we are two bodies one soul.
50. I love you for you are me and I am you!

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