Long Term Health Care

More and more people today are worried about the costs of long-term health care. They are worried if something happens to them they may run out of money and burn through their reserves. The average nursing home stay is 2.5 years of care and the average cost is over $130.00 per day. That is the average yet in many areas with nursing shortages and higher income demographics the rates are more significant. It is estimated that more than 10% of us who reach age 65 will nursing home care for more than 5-years.
It is very important to have long-term health care insurance to:
Protect your assets
Provide peace of mind
Provide assurance of quality care
Provide choice and control over receipt of care
Avoid dependence
Receive tax advantages
Paying for Long-Term Care? Here is The Bottom Line:
Medicare – This program may pay for skilled nursing facility care for a very short period of time – but no longer than 100 days – and only when you meet all the Medicare requirements for daily skilled care.
Medical – This program, called Medicaid outside California, may pay for skilled, rehabilitation and custodial care that is not covered by Medicare, but only if you first “spend-down” assets to federal and state legal impoverishment level guidelines.
Personal or Family Assets – Most people provide for long-term care expenses from personal or family income, assets and resources.
Long-Term Care Insurance Programs – Specially designed programs to pay for long-term health care expenses. HIPAA defines Federal tax treatment of insurance policies that provide long-term care coverage. Policies that meet certain criteria are designated as “qualified long-term care insurance” and will receive certain tax incentives: the cost of coverage may be deductible and long term care benefits received will not be reported as taxable income. Please consult your tax advisor for information about your personal situation.
Play it safe and know your options regarding long-term health care and know protect your assets. Think on this.

Miami And The Florida Keys – Reflections

The earliest known residents of what is now Miami were the “Tequesta” Indians. Little is known of the Tequesta Indians other than they resided along the banks of the Miami River over twelve hundred years ago. Believe it or not there was a small natural rapid a few miles upriver from where it emptied into Biscayne Bay. The Tequesta Indians hunted and fished along the banks of the River. In the 16th and again in the 18th century the Spanish established a few small missions along the banks of the Miami River. Spain originally possessed the area now called “Florida”, but ceded Florida and of course Miami to the British in later years. The first American Settlers began arriving in Miami Florida sometime in the early to mid 19th century and settled in and around the River. Agriculture in addition to fishing was one of the few economic mainstays of the area. The River’s water source was the Everglades and it was believed that the wetland could be drained by removing the rapids. Thereby providing additional cultivatable land for the new arrivals to settle and develop as farms. I am very sure that real estate sales and potential profits were a motivational factor as well. Real Estate in Miami has been a motivation from the beginning to present. Regardless of the reason(s) a decision to remove falls by dynamiting was made and implemented in mid to late 1800s. Other than during those years of the Seminole Indian wars the population steadily increased as did the real estate industry.
In the beginning Dade County was a huge track of land that extended from the southern tip of Lake Okeechobee (Fort Worth Florida) south to Key West Florida. Indian Key was the the seat of Dade County until sometime between the years 1860 and 1870. Prior to these years residents of the Florida Keys, other than those at Indian Key were counted as residents of Dade County.
MY RECOLLECTIONS AND REFLECTIONS
Once upon a time there was a little fishing village located in Dade County, towards the southeastern tip of Florida. The name of this village was Miami. Many people living in Miami at the time, pronounced the name “Miama”.
I offer these remembrances’ as one born in the Biltmore Hotel; a land mark hotel in Coral Gables Florida, a town located in Miami-Dade County and a veteran’s administration hospital during the years of WW II. If my stories and recollections seem somewhat disjointed to the reader I beg forgiveness. They are all or at least most inscribed from memories. My only reason for attempting to write this article at all is to impart a few of my impressions/reflections to an interested reader regarding the conception of, development of, metamorphosis of and transformation that has occurred to the area that is today Miami-Dade County and the Florida Keys. My intention is to offer the reader a comparison of sorts to the areas mentioned, the inhabitants, their way of life compared to then and likewise now. I have no intention of smearing of chastising any particular group of people but too simply record the facts as I believe-remember them to be. I will leave it to the discretion of the reader which Miami, Florida Keys he/she prefers to relate. The then version 1945 to 1970 or the now version 2010, in order to provide a comparison between the two I will offer, in addition to my recollections, a few bygone happenings and circumstance conveyed to me by my predecessors on my mother’s side of the family, all residents of the Keys and Key West dating back 150 plus years ago, some still living there. To do this I am going to begin with my earliest recollections following WW II living first in Hamburg Germany, my father was an officer in the Air Force during the war and was at the time stationed there. Since he had not received his discharge my mother and I joined him, I think, sometime in the year 1946.
KEY WEST CONCHS
They Don’t Call Them Conchs For No Good Reason! (yes I know that’s double negative but I use it for emphasis)
Those that have eaten conch can relate to what I mean by this statement. Conk is a very tough marine mollusk. Rumor has it that in the early 1800s the doctors of Key West prescribed for new born babies, that they be set out on the porch to allow mosquito bites. The reason for this was to make the baby immune to the bite of a mosquito. What does this have to do with conch; man those people had to be tough to live in that environment during those very early years. Screens for windows did not happen until late in the 1800s so it is safe to say that these early Keys inhabitants did not have such luxuries. Don’t forget they had no present day amenity such as air conditioning either.
WALTER C MALONEY, JR.-KEY WEST FLORIDA
The Economies of Key West-1800s
It is a fact that at one time Key West was not only the most populated city in Florida but also had the highest per capita income in Florida and rivaled that of many other US cities. The economy was driven by numerous industries during this period of time.
AGRICULTURE
My relatives speak of one, Mr. Walter C. Maloney Jr. (Maloney was my grandmother’s maiden name). The story goes that at some point in time, during the year 1885, Walter left Key West to travel to what was then known as the Gainesville Land Office in Gainesville Florida. There under Grover Cleveland’s land act, I think for the price of fifty cents per acres, he purchased 67 acres of property in what is now known as Marco Island, Collier County Florida. In reality the land he purchased was located on “Horr’s Island”, AKA “Marco Key”, located a mile or two west of Marco Island, Florida. Mr. Maloney’s purpose was to plant, grow, harvest pineapples on this island and sell his produce to the Key West market. To me it’s amazing that a man in his late forty’s’ and then fifty’s would board a sailboat in Key West and navigate his way across one hundred miles of Florida Bay to sell pineapples in Key West. The reader should understand that the waters of Florida Bay are prone to sudden violent storms during much of the year. In addition there were no cell phones or GPSs.
My granddad once told me of a relative, I believe last name “Hart” that would travel from Key West to Chokoloskee Florida to hunt. Chokoloskee is an island located south of Everglades City. This was also a very long boat ride from Key West. Chokoloskee boasts an elevation of 20 feet above sea level. Rumor has it that the reason for its’ elevation was discarded shells of various types deposited by the Indians of the “Ten Thousand Islands”, living in the area many years ago.
Obviously these were a different breed of people during that time in our history.
The Keys and Key West produced other crops in addition to pineapples, tomatoes, I call charcoal another because of the process used to produce it. Hookie-Pokee Ice Cream, made in the shad and sold in the sun, if you aint gotta nickel you cain’t have none. Yes with the heat and humidy ice cream was big in Key West. Cigar factories were also big in Key West.
FISHING INDUSTRY
Like Miami, the fishing industry was and still is a driving economical force. Florida lobster (commonly called crawfish) is still a big ticket industry. In early times turtle and conk were plentiful; today these are for the most part protected throughout the state. I will offer additional experiences I had as youngster with the seemingly unlimited conk and spiny crawfish that could be easily taken from the waters surrounding Key West and Miami Florida.
THE NATURAL SPONGE INDUSTRY
Before the invention of synthetic sponges, sponges were harvested from the sponge beds located in the waters surrounding Key West.
SALVAGE
The waters surrounding Key West also had arguably the most treacherous reefs of any found elsewhere in the world. The history books are full of accounts of ships hitting these reefs and sinking, Spanish galleons loaded with gold taken by force from the natives of North and South America crashed on the reefs and sank with unbelievable regularity.
One of the better known salvage operations of recent times was that of Mel Fisher’s. He and his team of researchers and divers located the long lost “Atocha”. The Atocha crashed and sank on a reef west of Key West in the early 18th century and was loaded with over 400 million dollars worth of gold, silver, precious gems and other valuable artifacts. Most of which stolen by Spanish missionaries and Conquistadors (conquerors) from the Aztecs of Mexico and Incas of South America among many others.
During the 1800s, ships were still crashing on these same reefs. The series of light houses now erected on the reefs were not there during most of the 19th century. This resulted in a very lucrative salvage business during the 1800s. I have heard family members mention that years later, after the warning lights were built on the reefs some residents of the Keys would either allow them to burn out or manually extinguish them for the purpose of causing shipwrecks on the reefs to promote their salvage businesses. All productive salvage operators and operations were required by law to register their salvage ships and any salvaged items with the authorities in Key West which of course served to boost the local economy.
Prior to the erection of light houses on the reefs in an effort to reduce the number and severity of ship wrecks in these waters, the federal government commissioned “light house ships”. These ships and their captains were charged with the task of anchoring on the reefs, 24/7/365 to keep and maintain warning lights. One such ship was captained by another relative of mine Captain Whalton (my mother’s maiden name). Drinking water and other supplies were brought to land locations of these ships and deposited on shore. The crews would then leave the ship in a row boat, get the supplies and row back to their ship. The story goes that one night Captain Whalton and one sailor traveled to shore to transport the supplies back. For some inexplicable reason they traveled ashore unarmed, a war part of Seminole Indians waited, hidden in the bush. Both the captain and the sailor were killed.
FROM HAMBURG GERMANY TO KEY WEST and Back to Miami-THE YEAR 1947-1950 +/-
During my time in Germany but sometime after my Dad was discharged from the Air Force. My Grandfather Whalton called and suggested to Dad that together they should open a hardware store in Key West. At the time Key West did not have a hardware store. Purchasing a “Western Auto” Franchise they opened for business at 515 Duval Street directly across the street from the San Carlos Theater, now a land mark, in Key West Florida. The family remained in Key West for about 2-1/2 years, while Dad and Granddad operated the hardware store. The year was 19850 maybe 1951. The commercial passenger airline industry was stirring-ready to be born in earnest. National Airlines called my Dad and asked him to fly for the airline. Flying being my Dad’s first love, we moved from Key West to Miami, Florida. My parents rented a little house near the main hanger for National. The hanger was located on the east side of Lejune Road but Miami International Airport was located on the west side. We had one car; so when it was time for my Dad to fly, my mother and I would take him to the hanger. There he would board a two engine aircraft renamed for it new purposes a DC 3. The same plane, a C-47, Dad flew during the war with some seats bolted to the floor and some paint applied to the fuselage. A policeman would stop the automobile traffic on Lejune Road and my Dad would taxi his plane across the road and onto the end of the only runway that the airport possessed at the time, which was runway 9. For those of you that have passed through MIA recently I know this seems a bit bizarre, but as was Miami the airline industry was in its infancy. During this time 1950-1955, I would be surprised to learn that Miami Florida’s population exceeded 300 thousand.
After we moved to Miami, I for many years thereafter traveled from Miami to Key West. During summer vacations I worked in the store that my granddad still owned and operated. He had left the Western Auto Franchise and then operated the store as “Walton’s Auto Toys and Hardware.”
Each summer for about 5-6 years my mother would put me on a “Greyhound Bus”. Greyhound ran regularly between Miami and Key West. The bus station as I recall was in Downtown Miami, 8th street, AKA the Trail, AKA US-41. The driver would take a route west on 41 to US-27 or Krome Avenue, turning south on Krome proceeding through Homestead Florida and then left to US-1. Within a few minutes of entering US-1, we would be traveling at rate I believe to be over 80 miles per hour. I feel comfortable that this was so because the land distance from Miami to Key West is 160 miles and the trip never took more than 1 hour and 45 minutes. Folks on a trip today from Miami to Key West by car, you cannot do 35 miles per hour once entering the upper keys.
During the years that I worked in this store, the store would open for business 5-/12 days per week. On Thursdays the merchants of Key West would close at noon. My Granddad, my Grandmother and I would travel out “Overseas Highway”, US-1. With a “four pronged gig” and a bucket walking into the Mangroves that lined both sides of the highway, we could gig enough crawfish (Florida Lobster) for crawfish enchilada to be served at dinner that night, conch style with black beans, rice and fried plantain. During that time, Florida Lobster was plentiful in the Keys; there were no restrictions against harvesting them. Today, first you cannot use a four pronged gig without the risk of incarceration; second harvesting Florida Lobster is restricted to certain times of the year. This is also true of conk that could be taken a few yards off the beaches of Key West and sea turtle cannot be taken at all.
My point is, the quality of life in south Florida has been reduced by the influx of too many people from all over the US, south America and Cuba. I don’t believe that State and Federal authorities have done their jobs in protecting the things that were here when I was young and growing up. I believe that some measure of prudence could have and should have been applied a long time ago. The experiences that I had my children will be denied they will never have the opportunity to know the area the way I knew it.
As one that makes his living as a builder and General Contractor in the State of Florida but has known this area intimately for so many years, I have a number of questions in mind that I deal with on a daily basis, the questions are, 1. What could we have done previously to reduce the impact of uncontrolled influx here and thereby preserve more for future south Florida generations. 2. Is there a possibility of regaining some measure of the resources that were here in the earlier years?
I do believe that these are questions that some of the Florida agencies and law makers now deal with on a daily basis as well. But I’m not certain that the legal vehicle and money resource is available to accomplish the task if so be it possible.
But then with similarity to some higher mathematical problems, I think that the only constant is change and the only variable is time. Is this not also a statement of the development-over development and maybe the resurrection, restoration of south Florida?

Types of Antique Diamond Cuts

Most of the consumers don’t understand the difference between the diamond shapes. There are two different properties of the stone. The shape is just an external outline. However, the cut is about shaping rough stones into sparkling gems. If you closely observe the top surface, you will see the edges refracting light. This is something you can call the cut which determines the brilliance of the stone. The cut of a diamond actually reveals the hidden beauty of the stone. The old European cut diamond has a round shape but it is geometrically different than a modern diamond. The only difference is the both diamonds have the same round shape but their cutting style is different. The old European round shaped diamonds are popular for increased colors. Whereas, the modern diamond gives more sparkles and brilliance.
The old diamonds was so popular since 1800s and until the round brilliant was invented by Marcel Tolkowsky in 1919. The round brilliant cut gives more glittering effect so it is more popular in today’s world. However, there are antique lovers or people who prefer classic jewelry still like the old European cut. The modern technologies was invented in early 1900s and due to the advancement, few diamond became obsolete.
The Rose Cut Diamond
The rose cut was introduced in early 1500s. This particular diamond resembles the petals of a rose flower. The rose diamond cut was so popular for love, and engagement rings. After 4 centuries of its discovery, it became outdated in 20th century. The rose diamond has 24 facets.
The Single Cut Diamond
This is the basic of a round shaped diamond. You may consider it as a simple form of a round diamond. It is one of the oldest diamonds with only 18 facets. With the passage of time, jewelers invented ways to cut a round diamond for more brilliance so it became obsolete. However, there is a modern form of single cut diamond is available in the market which has the same style but it is without a culet.
The Old Mine Cut
The old mine cut diamonds were used in Victorian and Edwardian Eras. The old mine cut has a variety of facet patterns and its shape possess a high crown, larger culet, and small table. It was very prominent in 18th century. Now it is considered as an antique diamond.
Old European Cut
This is earlier version of today’s round brilliant diamond. Old European cut diamond has 58 facets with a smaller table and higher crown. Market is full of antique diamond but the old European cut is one of the most classic diamond. It is still in demand and it has more value than modern round brilliant diamond if the stone is still in its original setting.
The market study shows that round cut diamond engagement rings are top selling than any other diamond and there are many consumers who still prefer the old European engagement rings.

Traveling Nurse – The Benefits

Being a traveling nurse has many attractive benefits over regular nursing Firstly, nurses are in demand constantly not only in the US but worldwide. For a nurse that has the desire to travel and earn money, becoming a traveling nurse would be ideal. Of the hospitals and medical facilities rely on traveling nurses to fill roles when staffing levels are lower than normal, but further than that to bring a new level of expertise that may be lacking in the nursing in the respective hospital. So now for the advantages and benefits of becoming a traveling nurse.
Money, like most things in life, would be one of the main reasons someone would choose to become a traveling nurse. Traveling nurses, make considerably more money than their full-time counterparts. For a start the basic wage will be higher for a traveling nurse, when this is combined with overtime or penalty rates such as night shifts- the earnings can become quite substantial. The pay and calculations are performed by the traveling nurse agency and are therefore much more effectively managed. Becoming a traveling nurse is a great way to save money.
Traveling can be a major part of being a traveling nurse. If a nurse wants to see the world- there is no better way than becoming a traveling nurse and seeking work in the areas they want to see. If the traveling nurse is a native English speaker, there will always be a high demand in the US, UK, Canada and Australia (Specifically as they are experiencing a shortage of nurses). Traveling nurse agencies will actively seek nurses, and will assist in organizing visas, accommodation and appropriate work.
Harmony in the work environment for a traveling nurse is not as important as it would be for a full time nurse. The traveling nurse may only be working in the respective environment for a month before moving on to the next assignment. For this reason workplace politics will play a lesser role than in other professions.
The social benefits for a traveling nurse are massive as well. They will get to meet new people regularly and benefit from constant social interaction and communication- which is a large part of being a nurse.
In most cases a traveling nurse will also receive generous health benefits. In most situations agencies that specialize in traveling nurses offer these medical and dental benefits to entice new traveling nurses to them. Some nursing agencies also have 401K plans, which is obviously fantastic.
Working as a traveling nurse, is a fantastic way to quickly build an impressive resume. The experience a traveling nurse receives could be argues that in a shorter period of time the experiences will amount to much more than would be learn via all time position in the one hospital. It will prove to prospective employers that you have life experience, and are mature to deal with all scenarios and situations.
Certain traveling nurse agencies will also offer incentive bonuses for referrals’ to their agencies- recommend a friend and receive a payment. As a traveling nurse is constantly working at new locations with equally new nurses, the opportunities for referrals are high. Further to this, some agencies also offer a completion bonus simply for completing the assignment or placement.
Traveling nurses often travel in pairs or groups. It is a great way to travel obviously, and will also provide a support network for less confident individuals.
Traveling nurses also have the opportunity to assist in the case of natural disaster’s and missionaries where medical attention is urgently required. This may not be for everyone, but the opportunity to be involved tin the rehabilitation of such an event could be considered an honor by some.

Cold Sores – Here's What to Do!

Like so many others we now and then experience cold sores. Sometimes just a small outburst and other times an outburst that really hurts a lot. Even worse is when it appears in your mouth, on the hard palates. If it appears in your mouth, try to cool it down with ice cubes or ice cream!
Cold sores – also called fever blisters – are caused by the Herpes simplex virus. It`s a viral infection of the skin and are contagious. They can appear once or return again and again.
Red blisters appear on your lip.Once you have had an episode of cold sores, the virus lies dormant in the nerve cells in your skin. Fever, menstruation, stress and exposure to the sun may trigger a recurrence.
Signs and symptoms
* small, painful, fluid filled blisters
* pain or tingling often precedes the blisters by one or two days
* usual duration of seven to ten days
* a yellow crust forms
Cold sores are quite common and though you can`t prevent them, you can take some steps to limit the duration of an occurrence.
Shared eating utensils, chap sticks, razors and towels may spread this infection.
* use creams rich on myrrh and thyme
* take a pain reliever if needed
* avoid picking

How To Select The Perfect Entertainment Wall Unit For Your Home

One should never rush into the purchase of a large piece of furniture. It’s important to assess the room, think about all the possibilities and potential arrangements, and really get a feel for the space before making any large renovations.
The entertainment wall unit is the perfect instance of such a purchase. This can be an absolutely expansive piece of furniture, dominating an entire wall if you allow it or it can take up an entire corner of your room. On the other hand, you may not want such an enormous piece of furniture to completely change and dominate the look of your room so you may instead opt for a smaller simpler console design. TV wall units are versatile pieces of furniture, coming in all varieties of styles, shapes, and colors. These options should all be taken into careful consideration before going ahead and making any purchase.
Ignoring for now the varieties of styles, materials, or size, let’s examine the most integral part of your purchase: the space for your television. Entertainment wall furniture is designed to house your home theater, with the television as the crown jewel. You want this piece of furniture to compliment your television perfectly. It shouldn’t overwhelm the TV or make it look too small, but rather highlight all of its assets. Take careful measurements of your television before looking at any of these units to make sure you’re going to purchase a unit that will be the perfect fit for your TV as well as the wall space and size of your room.
Now, with that piece of advice out of the way, it’s important for you to select the entertainment center that will really make your home pop. Your existing furniture may already demand that you choose a particular style or manufacturer. For example, a contemporary unit might look out of place in a traditional home and vice-versa. At the same time, purchasing such a large and dramatic piece of furniture may be the perfect time to alter your existing style and give your home a new and up-to-date look. The choice is all yours.
When selecting an entertainment center, you’ll notice that they come in a variety of materials and color combinations. You can buy any design you’d like, all the way from incredibly futuristic designs made entirely of glass and metal to a solid wood piece that looks like it’s from another century. The variety of centers on the market allows you to make any choice that you desire.
One last bit of criteria you should definitely take into account is the size of your room. If you’re furnishing a small room, you should probably purchase a smaller entertainment wall unit so that it doesn’t monopolize your room. These units come in all different sizes, so it’s easy to find the perfect size for any space. If you have a huge room, you may want to think about buying a unit that extends all the way to the ceiling just to break up your room and provide a dramatic and eye-catching focal point.
It’s also important to pick your storage. Cabinets and shelves, closed or open; these are all additional considerations you have to think about when deciding how to store your equipment and accessories. Some units have a combination of cabinets and shelves and are now being sold as sets, which may include a TV nook, two side units and an upper shelf called a bridge. This provides an extra degree of flexibility for homeowners who would like their entertainment unit to double as a bookcase so that they can display books, collectibles and other personal treasures.
When selecting a TV wall unit keep in mind that little details can make a big difference.. Before purchasing, carefully consider everything you’re looking for and start out your search with a well thought out idea and a solid plan. From there, locating the perfect entertainment wall unit should be a breeze.

Important Features You Need To Look For In A Laptop Bag

Laptops are crucial nowadays. Every single person uses this gadget and most of them carry it regularly from home to office or vice versa. Though carrying such expensive and precious gadget on the board is hard and if you are looking for something that makes it easier for you to carry, so, a laptop bag is something you need. A laptop bag not only makes it convenient for you to carry it, but also increases the safety of the gadget from any damage due to the sudden change in environment, water, dust, etc. With their rise in demand, now a number of companies manufacture such bags in endless designs, material and color options and making a selection in between the one is actually a daunting task. Well, the task is daunting no more, as here are some important points you need to consider before buying that helps you make a wise choice.

  • Snug Fit: The very first and foremost thing you need to look for in a laptop bag is its snug fit design. This is because, if the bag is too big, so your laptop will continually slide, which increases their chances to get damaged. And if it is too small, so, it doesn’t fit your gadget. Therefore, it is important to buy a perfect fit as per the size of your gadget, so, you can never face any hassle on the board and take it anywhere with you handily.
  • Durable Material And Secure Fastening: It is important to double-check the material of the laptop bag, whether it is able to prevent it from water or not. Make sure the bag is fluffy enough to give complete protection to the gadget and keep it secure inside. Also, you should check all its fastenings are safe and stable.
  • Eye-Catching Design: Another thing you need to look when you are about to purchase a laptop bag is its design, color and overall look and feel. Pick a beautiful design that helps you make your own style statement and increase your reputation among your colleagues. Also, the design should be trendy and must compliment your personality.
  • Adequate Space: Do remember that you need to carry your laptop along with all its accessories like charger and therefore, your bag should be spacious enough to carry both the things together without damaging any of them.

These simple things you need to check while buying a laptop bag and you will never regret your choice. Apart from all the above factors, the price is also a major concern, so, you shouldn’t miss that too.

Significant Bunk Bed Home Furniture Which You Need To Undoubtedly Acquire

When you enter right into a child’s room or even game room often times you will discover the room left in complete disarray. The ground that at one time existed within the bedroom has today been completely covered in toys and games from all of the way under the bed to in to the cabinet. We all know that children are usually difficult whenever requested to thoroughly clean up their bedrooms nevertheless it doesn’t continually have to be a battle. This mayhem does not have to be exactly what you notice every single time you enter your kid’s bedroom. Along with many basic tips you are able to have your kid’s bunk beds or even playroom organized within a blink of an eye.
Nevertheless you can make certain of that by purchasing the proper rec room furniture. Here are many illustrations: Loft beds tend to be one of several best home furniture that you can buy. Together with activity furniture, your child can play with it in a massive amount of ways. You will find a lot of things to do that he is able to do in addition to the things that he will think of. Your small one could have several hours of enjoyment with it. This is the rec room household furniture that will make certain that the space is sorted out. Train your kid to arrange his toys and private belongings along with inventive storage space seats. You’ll find a wide range of models readily available that can enhance any rec room. You are able to pick from storage space benches as well as bins and containers.Your child will have to have all of the naps that he could get especially following hrs of playing.
When scouting for kids household furniture, choose only the products and solutions that happen to be of outstanding quality. Do not invest in low cost products that are very likely to break and harm your little one. Generally, you can uncover excellent, quality household furniture for youngsters at affordable rates. And if you do a little investigation you might even find great merchandise that happen to be on sale or even at a discount.In this circumstance you may save considerably.When you are looking at the playroom walls, it is seriously only a question of personal tastes. You might opt for whatever color you like, nevertheless preferably would be 1 that is not too dimly lit. You want your kids playroom to seem inviting. Work with vibrant and bright shades which produce a calming and joyful atmosphere. On the other hand you might make use of a few wall stickers or wall art. Murals tend to be excellent for creating the marvelous ambiance and look you need for the child’s game room.
Another crucial issue in a rec room is the playthings. All things considered, what is a game room without having toys and games? So, when you seek out toys, you need to go for the ones which can be safe, hilarious and also engaging. Don’t forget to take a look at some educative playthings which develop your child’s ingenuity. Those are incredibly good as they expand the children’s creativity.Right now, where exactly can you discover bunk beds for the playroom. You are able to often check out your nearby store and see if you uncover anything you like. On the other hand, for far better price offers and a lot more variety, you should check some world wide web outlets. These usually are fantastic due to the fact they present discounts for excellent items and you are able to browse from the ease and comfort of your own house.

Hawaii Island Real Estate

Hawaii Island is a spectacular place with snow-capped mountains, gushing waterfalls and great scenic beauty. Its sporadic beauty doesn’t mean that it doesn’t offer space for one to enjoy the life. For sports enthusiast or the ones who believe to work hard and enjoy at the same pace, then Hawaii is the right place.
Many people, upon seeing the beauty of the place and facilities available, want to have their own home at Hawaii Oceanfront Real Estate. If you are one among them who want to work throughout the week and enjoy the weekend on the beach or enjoy the recreational facilities at Hawaii then this place is the right destination for you.
The local sky adventure like hang gliding, parasailing skydiving, and other sports activities like horseback riding, cycling, jogging, etc., provide residents with outdoor recreational sports that help them in living a quality life. The recreational enthusiasts can enjoy themselves completely on wonderful white sand beaches to black beaches. This makes the place suitable for different water based activities like kayaking, & swimming in calm waters. Hence, children too can enjoy the evening with their parents. Beside this, there are golf clubs, country clubs, separate space for hikers, and much more. Therefore, there is something stored for everyone here. As we know everyone has different likes and dislikes, their taste differs — Here, one can get the opportunity to play the game of their choice.
Tourists and Hawaiians have enjoyed the outdoor sports equally and many residents call it a great place for relaxing and overcoming stress. In the recent years, seeing the demand of people, many Hawaii Real Estate Agents, have come up in the area.
For your convenience, they have made complete Hawaii Real Estate Listing, which help you in selecting the right home, condominium, or apartment available for sale or rent. You can even browse the catalog available online and filter your search as per your needs from Real Estate Listings Hawaii.
Hawaii Homes for Sale these days are available at economical prices and are considered a great investment option by many. For more information, contact a real estate agent in Hawaii now.

Deducting Travel As a Business Expense

As a general rule, travel expenses are deductible as a business expense as long as the expense is considered by the IRS to be an ordinary and necessary business expense under (IRC section 162). But when you incur a travel expense outside the United States, that is when the rules begin to change. Do not assume that 100% of your foreign travel expenses are tax deductible. And better yet, consult with your CPA during the planning phase of your foreign travel in order to maximize your opportunity for a tax deduction.
General Rules Regarding Travel Expenses:
Travel expenses traditionally includes the following categories of expenses associated with at least one overnight stay (i.e. where sleep is required while away from home):
1. Transportation Costs – Transportation includes airplane, train, bus, car, or ship between your home and business destination. It also includes commuter bus, taxi and limousine transportation.
2. Baggage and Shipping Costs- This category includes the cost of sending baggage, samples, display materials between regular and temporary work locations.
3. Lodging Costs – Such costs include overnight hotel stays and temporary housing costs.
4. Meals – Allowable meals expenses include food, beverage, tips and tax. If the meals qualify for a tax deduction they may be 50% or 100% deductible. Meals between employees/employers are generally not deductible unless a business purpose can be substantiated. In cases in which there is a business purpose, the meal is eligible for a 50% tax deduction. Meals also include customer-related meals in which business is discussed (50% deduction).
Also allowed are meals related to business-related travel that includes an overnight stay (50% deductible. If the overnight travel is related to an employer-sponsored social or recreational event the meals are 100% deductible. If the meal is related to promotional activities that are made available by the business to the public such costs are 100% deductible.
5. Cleaning – This category includes dry cleaning and laundry expenses incurred during your travel period.
6. Telephone – Business calls, fax costs or other communication costs associated with the business travel are deductible.
7. Tips paid for any travel expense category are allowed as a tax deduction
8. Other – Other costs related to the business travel might include internet fees, computer rental fees, equipment rental fees, supplies etc.
Travel expenses must be temporary in nature. What this means is that the travel period cannot last more than one year. If the travel lasts more than one year all of the travel expenses become non-deductible.
Special Rules:
1. Conventions – In order for travel costs associated with a convention to be tax deductible, such costs must be directly related to your company’s business and must benefit your company’s business. Conventions outside North America are allowed, however, there is reasonableness test that must be met. Reasonableness is based on the purpose of the meeting, activities taking place at the meeting, activities of any sponsors, homes of sponsors and other material facts and circumstances that the IRS will consider in determining eligibility for the tax deduction.
2. Cruise Ship Conventions – If the convention meets the ordinary and necessary business purpose test and the reasonableness test then the IRS will permit a tax deduction equal to $2,000 per person, per year for travel expenses incurred in connection with the cruise ship convention as long as the ship is a U.S. flagship and all ports of call are located within the United States or its possessions. In order to deduct cruise ship convention travel expenses the business must attach two written statements to their tax return. Statement #1 must be signed by the business owner. This statement specifies the number of hours each day that were devoted to business activities, total days of the trip and the program of business activities on the ship. Statement #2 must be signed by an officer of the cruise ship convention organization and provide detailed schedules of the meetings and the number of hours the taxpayer attended.
3. Travel Outside the United States – Only costs associated with the days in which business was conducted are allowed as a travel tax deduction. Business days include days spent traveling to and from the business destination. Days spent on non-business activities are not counted as business days. Weekends and holidays are considered business days if they fall between the business days. Where part of the foreign travel includes non-business days, travel costs must be prorated by dividing the number of business days by the number of total days. This
percentage is then applied to the total travel costs in arriving at the tax deductible travel expense deduction.
4. Non-Convention Cruise Ship Travel – The travel deduction allowed for this type of travel is determined by the IRS every year, so it changes every year. IRS publication 463 lists the daily deductible amounts allowed(called per diem rates). You multiply the per diem rate by the number of travel days in arriving at your tax deductible travel expense amount. If meals are a separate charge you are allowed to deduct 50% of the meal costs in addition to the per diem amount.