Our parents dream of the day we get a good job, marry a good person, or become independent. But in their selflessness they forget that when children leave the nest, there might be nobody to care for them when the reach old age.
Nobody wants their elderly parents living alone at home and many consider taking them to senior care homes but that is not ideal. This is where in-home care services can offer a great solution.
In-home Care vs. Senior Living Centers
Human behaviourists intimate more often than not that taking old people out of their normal environment only accelerates aging, leaves them lonely and makes them more susceptible to ailments. This leaves us with one another option-in home care.
This is a situation where people hire professional caregivers to provide in home care services from home as opposed to sending parents to center living centers or retirement homes. The caregiver does everything that you would do including:
Bathing the individual needing care
cleaning up the house
accompanying them to appointments
aiding with patients’ medication
helping with eating
Besides providing important physical care to those who are dependent they also offer emotional support when needed.
Social & Emotional Needs
They make excellent companions to aging parents who need someone to chat with and send out on important errands. Such help is important to people whose lives have drastically changed from being able to do everything themselves to depending on others for help.
While in home care seems like the best way to ensure the safety, happiness and comfort of your folks it is not easy to find reliable people for the job. You certainly have to be cautious because no matter how much you need it you do not want to leave your dependent parents in the hands of a person who will mistreat them. This is why experts recommend a thorough background check on any candidate before hiring them.
Sourcing an In-home Caregiver
To uphold professionalism many in-home care providers work under an Peoria Illinois assisted living facility that keeps them in check. Sourcing a caregiver from a company is great as you don’t have to do a background check yourself or worry about ill treatment. Make sure that the choice company is accredited by relevant institution to make sure that they offer high standards of Peoria home care services for seniors.
Remember that in-home care givers charge different rates according to the services they provide. If you are on a budget then you should limit your expectations of the caregiver to avoid compromising the way they handle your loved one. Overworking caregivers makes them lose sight of the important goal which is caring for the old, frail or ill. Discuss everything that caregivers have to do every day to avoid unnecessary conflicts that might cause suffering for your innocent parents.
If finding an in-home caregiver proves too difficult, try talking to your parents’ doctor or the local authorities for help. Once you find the perfect person who you feel will get along with your folks make sure that you treat them well and pay them in time so that they are motivated to work for you all day long. This way you can work peacefully in the knowledge that your elderly parents are safe, satisfied and secure.
The top home security systems have a sterling track record of protecting homes and their valuable assets. Unfortunately, many people in the US don’t address their home security issue until it’s too late-usually after a break-in. According to FBI, more than 1.9 million burglaries were reported in 2015, resulting in roughly $5.7 billion in losses.
Homes that are equipped with home security systems have shown to be 320 percent less likely to be broken in. To benefit from this powerful deterrent effect, let’s have a close look at the 3 top home security systems that are right fit for you and your family. These include:
LifeShield boasts of one of the fastest response time in the industry. They’re connected to a monitoring station via a broadband Internet connection (through partnership with DirecTV). The best thing about this home security system is that you can install it yourself, depending upon your ability, availability and needs.
LifeShieldgoes much beyond other home security systems available on the market by providing you many layers of backup in case your power goes down at home or your home phone line is disabled. These are:
Cellular Network – You can use a built – in cellular connection as an additional layer of protection.
Broadband Internet – In case of emergency, you will be connected to a monitoring center within seconds using a broadband connection at your home.
Battery Backup – You’ll be immediately alerted when your battery is low, and it will keep your alarm system online for next 24 hours after blackout.
Land Line Phone – This security system also connects you through a landline in case your cellular and/or Internet connection goes down.
You also get local crime and data alerts and this will help you make a more informed decision about the level of your home security coverage. You have option of three packages that may vary depending upon the included equipment and your security system supplier. All of them include 24/7 professional monitoring, mobile app access, and fire protection.
For $29.99/month, you get 4 door and window sensors, a security base and keypad, a security touchpad, a motion sensor, a keychain remote and a fire safety sensor. At $39.99/month, you get 8 window and door sensors, two video monitoring enabled wireless cameras and an extra gigabyte of video storage. Their $49.99/month plan includes 8 window and door sensors, two video monitoring enabled wireless cameras, and an extra gigabyte of video storage.
FrontPoint uses 100 percent wireless and cellular technology and world class GE security equipment and comes with simple DIY installation instructions and is completely portable. Therefore, when you move, it can move with you.
FrontPointhome security system not only detects flood, fire and carbon-monoxide, but also any break in your natural gas line. This system has an ability to connect up to 39 sensors and even your mobile device, bringing security of your house into the palm of your hands. It’s “Crash & Smash” protection allows your control panel to immediately send alert signals in case of any burglar attempt to destroy it.
Frontpoint also offers geolocation service and can pause the recording of specific cameras when you’re in a certain area.
Frontpoint offers 3 plans to its customers. Their base protection plan is $34.99/month. Their Interactive Plan adds Crash & Smash protection, geolocation service, remote appliance and light control and comes at $42.99/month. Their $49.99/month plan includes live video stream, HD and night vision and motion activated videos and remote lock and thermostat control.
LiveWatch is one of the best home security systems that provides truly customized home security. It keeps the costs low by offering DIY installation and avoiding extra hardware.
LiveWatch offers industry’s best customer service and after initial 12 months, your contract automatically moves to monthly agreement without any termination fee if you decide to move away from their monitoring services. If you cancel within first 12 months, you will get a refund on purchase of any equipment.
LiveWatch offers 3 plans. Their $19.95/month plans includes Rapid Alarm resolution that allows you to alert your emergency contacts in case of an alarm and 24/7 monitoring. At $29.95/month, you get added Crash and Smash protection and mobile system control through smartphone. Their third plan at $39.95/month gives you home automation abilities, no show notifications and advanced security alerts (this includes bad weather, power failure and battery status).
To learn more about various home security systems, check out:
As a homeowner or a potential homeowner, choosing the right mortgage loan is perhaps one of the most (if not the most important) things that you can do for your financial well being. There are many banks and financial institutions that offer mortgage loans, but as a homeowner, you should always look for mortgages that offer the best terms and the lowest rates.
Finding and choosing a home mortgage loan lender that can offer you a low interest home loan might seem easy thing to do. But if you do not know how to go about it, then things can be very challenging for you. However, with the following five tips in mind you should be able to find low-interest mortgage loans.
1. Compare Mortgage Loan Rates
Before settling on any mortgage plan, you should shop around and see what different companies have to offer. Talk to different lenders and see which of their mortgage loans you can qualify for. When comparing rates, you should look at all the fees that the lender will charge on the mortgage so that you can have a clear picture of the rate that you will pay if you settle for them. Rate comparison helps you to decide the institution that offers you the cheapest mortgage plan that you qualify for.
2. Assess & Perfect Your Credit Score
A mortgage loan is similar to a conventional loan in many aspects, and so your credit score will have a great impact on the interest rate that you get on your mortgage. If you have a good credit score, then you are more likely to get a low-interest rate. Before going out to shop for a mortgage loan, you should first polish your credit score. There are many ways to polish your credit score but if you do not know how to go about it would be a good idea to consult an expert.
3. Use Local Mortgage Loan Lenders/Banks
Most financial experts will always advise you to stick with a local bank and other local financial services to get the best rates. Lending to local customers is less risky than lending to non-locals because they are easier to monitor. Due to this reduced risk banks will often give local borrowers a lower interest and in some cases there are special offers for locals. Besides from the low-interest rate, it is also very convenient and easy for you to work with a local bank in Peoria, IL.
4. Pay a High Down Payment On Your Mortgage
If you beef up your down payment, you will be able to get a lower interest rate on your mortgage. It is very challenging and painful to save enough for a big down payment but if you persevere and do it then you will enjoy the advantages of reduced interest rates. A big down payment will also save you the cost of mortgage insurance as many lenders will require insurance if you pay a subtle down payment.
5. Be Honest & Tell The Truth
Mortgage loan lenders do not want you to default because they have much to lose, and so they will only qualify you for a loan that you can afford to pay comfortably. Tell the truth about your earnings so that you only get mortgage payments that you can afford. If you falsify information about your earnings to qualify for bigger mortgage loans, you will also end up paying high-interest rates that are beyond your financial capabilities.