With Your Family in Mind

Most people can’t afford to buy a gold-plated long-term care insurance policy that offers a large daily benefit and that will continue paying indefinitely.  If premiums for this type of Cadillac plan are not in your budget, what should you cut — the daily benefit amount or the number of years of coverage?

Parents usually invest time and effort in finding the perfect name for their babies. It is common that once a name is given to a baby, an appropriate nickname also follows. While there are a lot of uncommon and unique names for babies, the idea of combining two names for a baby is also common. Sometimes, one of these two names or the initials of the two names become the nickname.

Drug and alcohol abuse is a serious workplace issue. Of the 16.7 million illicit drug users aged 18 or older, 12.4 million (74.3 percent) were employed either full or part time, according to the U.S. government.  More than one in three (38 percent) workers between the ages of 18 and 25 are binge drinkers.  By occupation, the highest rates of current illicit drug use and heavy drinking were reported by food preparation workers, waiters, waitresses and bartenders (19 percent); construction workers (14 percent); service occupations (13 percent); and transportation and material moving workers (10 percent).

It’s not where most expect to find it.  It’s in the workplace, the military, and in government.  It knows no borders or boundaries.  It transcends age, gender, socioeconomic status, sexual preference, race, religion, and medical condition.  While most complain bitterly about how unfair, unjust, and intolerable it is, many create it for themselves and others in the privacy of their own homes.

If we think back on any dream that has been important to us, as time passes and the more we reflect on it, the more we discover in it, and the more varied the directions that lead out of it.  The depth of even the simplest image is truly fathomless.  The unending, embracing depth is one way that dreams show their love. –James Hillman

On March 7, dozens of stars will walk the red carpet at the 82nd annual Academy Awards at Kodak Theatre.  Each one hoping to take home that coveted golden trophy—the ultimate industry symbol of a “work well done.”
Ideally, the Oscar itself will be given to the film that connected most with the American movie going audience—the one that best tapped into transcendent themes that move us. 

This is the question many homebuyers are asking.  It seems that most buyers are waiting for the Real Estate market to bottom out.  The problem with waiting for the bottom is, you never really know you are at the bottom until you pass it.  Home prices may continue to go up or they may decline a little, but here are few reasons to consider buying now.

Deciding what type of long-term care loved ones need when they are no longer able to live totally independently is an important decision that should not be considered lightly.  If given the option to live one’s golden years in an institutional setting or in one’s own home, the majority of people would choose their own homes.  There are many instances when home care is a perfectly appropriate and less expensive care choice.

Michael Jackson dies from complications brought about to a large degree by overtaking and misusing prescription meds.  Brittany Murphy dies from conditions that are yet to be disclosed.  Coroner’s office needs more time (possibly a request from family members to stall the release of info so the media can move onto the next sorry story), but there are indications that her prescription meds are partly responsible too. 

Now is a time to raise the awareness of the need for every child in America to have a safe, loving and permanent home.  With 129,000 children currently in foster care, Children’s Bureau is seeking caring families to consider adoption.  The agency is holding a monthly information meeting for those interested in learning more on Thursday, February 18, from 6:30 p.m. to 8 p.m., at the Six Flags Magic Mountain Administrative Offices, located at 26101 Magic Mountain Parkway in Valencia.  Call 661-272-9996 to R.S.V.P., to receive directions and to have a drive-on pass to the property. 

Did you know that by simply filing a petition for dissolution of marriage and signing where indicated on the form, you become bound by four automatic restraining orders?  The person you are divorcing will be bound by the same orders once he or she is personally served with the summons or waives service.  The actual restraining orders are set forth on the back of the summons.

When filing Chapter 7 bankruptcy, a debtor must disclose all interests in any assets, including assets that have not yet been received, but which the debtor is entitled to receive.  Assets that are often overlooked by debtors include:

Have you ever wondered what it would take to become a foster parent?  Fostering is a wonderful experience but many people don’t know how to get started.  Here is an abridged list of what is required for foster parent certification.

In any divorce or other proceeding, which involves child custody issues, the Court may appoint a child custody evaluator to perform a custody evaluation.  The court makes this determination if it decides the evaluation will be in the child’s best interests.  The evaluator must be a mental health professional (MHP), but could be a domestic relations investigator, or any other court-appointed evaluator who meets the judicially prescribed qualifications.  Family Code Section 3117 outlines the standards and procedural guidelines utilized by the Judicial Council for conducting these evaluations.  

No matter how safe we are behind the steering wheel, auto accidents are sometimes unavoidable.  Therefore, for our safety, and for legal and insurance reasons, we should be prepared.
The first action you should immediately take is to place a pad and pen in your glove compartment and keep them there.  Leave a disposable camera in the compartment as well.  These will enable you to provide invaluable information and evidence.

If for any reason you become unhappy with the person you’ve appointed to make decisions for you under a durable power of attorney; you can revoke the power of attorney at any time. But you must take a few steps to ensure that the document is properly revoked.
First, you should put the revocation in writing.  This revocation should include your name, a statement that you are of sound mind, and your wish to revoke the power of attorney. You should also specify the date the original power of attorney was executed and the person who was selected as your agent.

Creative gift ideas are the best types of gifts.  These can show your originality and provide a great bond with the gift recipient.  Not only does finding just the right gift work out well for the gift receiver, it also can be a source of pride for the gift giver.  We know how valuable this can be which is why we are providing some tips to help you get this same benefit.

Happy Valentine’s Day from Unruh Chiropractic!
Everyday millions of Americans are turning to chiropractic as a last resort approach.  “You’re my last hope,” they tell us as they enter our office.  Too many people believe their doctor to be infallible - “If he can’t help me, nobody can.” They believe their body has condemned them to a lifetime of misery and they have to try to grin and bear it.