Should You Use Home Care for the Elderly?

Family members watching their loved ones get older will soon have to start considering what type of senior care they will need to provide them. With the first wave of baby boom now entering retirement, this trend is expected to continue into the foreseeable future. In the past, two of your main options for sending your loved one to a nursing home or letting a family member care for them. In-home care may be a great option in today?s world.

What is In Home Elder Care?

If you have never heard of the homecare profession, then you may not know exactly what a caregiver does. Simply put, the homecare provider will perform a variety of services that your loved one needs. Your loved ones may be able to function somewhat well on their own and may simply be in need of some companionship. Others need a more comprehensive assisted living plan. People with serious health conditions may need care 24 hours a day. Whatever the needs of your loved one are, you can find a home care agency ready to send someone to make them.

Some of the Many Benefits of Senior Homecare

If someone in your family is getting older, there are quite a few reasons why you should consider hiring a homecare provider. You should know that one of the main benefits is flexibility. In home senior care agencies have the ability to tailor the program around the needs of the client. Since the staff and nursing homes have many different patients to care for, this type of flexibility likely won?t be provided.

Cost is also one of the main considerations. You would end up paying much more money for your loved one to stay in a nursing home than if you hired a homecare provider. Many seniors have been financially draining after staying in a nursing home. It finances are a concern, then it will most likely be better to consider in-home care.

Perhaps the most important reason to look at in home senior care is the quality of life of your elder family member. Most people would prefer to stay in their home if given the choice. These numbers are certainly no surprise.

Kristie Brown writes on a variety of topics from health to technology. Check out her websites on health care agencies.

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The Animal Lifeboat: Zoos? Bitter Choice: To Save Some Species, Letting Others Die

[unable to retrieve full-text content]As the number of species at risk of extinction soars, zoos are being called upon to rescue and sustain some animals in favor of others.

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And the subject was writing? ? sam of the ten thousand things

One must be an inventor to read well. There is then creative reading as well as creative writing.
Ralph Waldo Emerson
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Art never responds to the wish to make it democratic; it is not for everybody; it is only for those who are willing to undergo the effort needed to understand it.
Flannery O?Connor
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Writers sometimes give up what is most strange and wonderful about their writing ? soften their roughest edges ? to accommodate themselves toward a group response.
Mary Oliver
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To me, the greatest pleasure of writing is not what it?s about, but the inner music that words make.
Truman Capote
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Close the door. Write with no one looking over your shoulder. Don?t try to figure out what other people want to hear from you; figure out what you have to say. It?s the one and only thing you have to offer.
Barbara Kingsolver
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Writing is its own reward.
Henry Miller
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Writing is nothing more than a guided dream.
Jorge Luis Borges
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Perhaps I write for no one. Perhaps for the same person children are writing for when they scrawl their names in the snow.
Margaret Atwood
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Write what disturbs you, what you fear, what you have not been willing to speak about. Be willing to be split open.
Natalie Goldberg
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Writing is not primarily escape, but use.
Henry James
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Everything that is written merely to please the author is worthless.
Blaise Pascal
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Lock up your libraries if you like, but there is no gate, no lock, no bolt that you can set upon the freedom of my mind.
Virginia Woolf
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If I had to give young writers advice, I would say don?t listen to writers talking about writing or themselves.
Lillian Hellman
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Don?t tell me the moon is shining; show me the glint of light on broken glass.
Anton Chekov
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The author must keep his mouth shut when his work starts to speak.
Frederich Nietzsche
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One day I will find the right words, and they will be simple.
Jack Kerouac

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~ by samofthetenthousandthings on May 29, 2012.

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Obama taps Yucca Mtn critic to lead nuclear agency

WASHINGTON (AP) ? Moving quickly to stem a controversy, President Barack Obama on Thursday nominated an expert on nuclear waste to lead the federal agency that regulates the nation's nuclear power plants.

Allison Macfarlane, who served on a presidential commission that studied new strategies to manage nuclear waste, would replace Gregory Jaczko as head of the Nuclear Regulatory Commission. Jaczko announced his resignation Monday after a tumultuous three-year tenure in which he pushed for sweeping safety reforms but came under fire for an unyielding management style that fellow commissioners and agency employees described as bullying.

A White House spokesman said Obama believes Macfarlane is the right person to lead the commission, calling her a highly regarded expert who has spent years analyzing nuclear issues.

Macfarlane "understands the role that nuclear power must play in our nation's energy future while ensuring that we are always taking steps to produce this important energy source safely and securely," White House spokesman Clark Stevens said.

Stevens called the NRC crucial to protecting public health and safety and said Obama hopes the Senate considers her nomination quickly.

Macfarlane, 48, an associate professor of environmental science and policy at George Mason University in Fairfax, Va., wrote a book in 2006 that raised technical questions about a proposed nuclear waste dump at Nevada's Yucca Mountain.

Senate Majority Leader Harry Reid, D-Nev., who is the leading congressional opponent of the Yucca site, praised Macfarlane as someone who will make nuclear safety a top priority. Macfarlane's education and experience, especially her service on the blue-ribbon commission on nuclear waste, make her qualified to lead the NRC "for the foreseeable future," Reid said in a statement.

Reid said he continues to have concerns about Republican Kristine Svinicki, who has been nominated by Obama for a new term on the commission, but added that he believes Svinicki and Macfarlane should be considered together, continuing a recent Senate tradition of considering NRC nominees from opposing parties at the same time.

Svinicki, a nuclear engineer and former Senate GOP aide, was among four NRC commissioners who publicly criticized Jaczko's management style last year. The commissioners ? two Democrats and two Republicans ? sent a letter to the White House last fall expressing "grave concern" about Jaczko' s actions, which they said were abusive and "causing serious damage" to the commission.

No disciplinary action was taken against Jaczko, who has strongly denied the allegations.

Jaczko, a Democrat, announced his resignation ahead of a potentially blistering report due out soon from the agency's inspector general, which has been investigating Jaczko's actions for more than a year.

A former Reid aide, Jaczko led a strong response to the nuclear disaster in Japan and was a favorite of industry watchdogs, who called his emphasis on safety a refreshing change from previous agency chiefs who were close to the nuclear industry or who came from it.

But scientists, fellow commissioners and many rank-and-file staffers said Jaczko had created a chilled working environment at the NRC, which oversees safety at the nation's 104 commercial nuclear reactors.

The Nuclear Energy Institute, an industry group, called Macfarlane "an active contributor to policy debates in the nuclear energy field for many years" and urged the Senate to confirm her nomination as soon as possible.

"It would not serve the public interest to have her nomination linger," the group said. "We urge the Senate to confirm both Commissioner Svinicki and Professor Macfarlane expeditiously."

Sen. Barbara Boxer, D-Calif., chairwoman of the Senate Environment Committee, said Macfarlane's background and experience demonstrate a strong commitment to safety ? a commitment she called especially important in the wake of the nuclear disaster at Japan's Fukushima Dai-ichi plant.

Boxer said she will schedule a joint hearing on the two NRC nominees in June.

Per Peterson, a professor of nuclear engineering at the University of California, served with Macfarlane on the nuclear waste commission, which was appointed by the Obama administration to make recommendations on how the nation should store and dispose of more than 71,000 tons of radioactive waste at dozens of sites across the country.

"I think she will be effective in leadership" of the NRC, "mainly because she listens," Peterson said of Macfarlane.

In a 2009 interview with Technology Review, Macfarlane acknowledged that most of the objections to the never-completed Yucca Mountain site were political, but added: "The technical objections are serious and real."

The area near Yucca Mountain is seismically and volcanically active, she said, adding that spent nuclear fuel could be stored safely at nuclear plants for decades.

The presidential panel recommended that the government start looking immediately for an alternative to Yucca Mountain. The report also recommended that responsibility for managing nuclear waste be transferred to a new organization, independent of the Energy Department.

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Follow Matthew Daly on Twitter: http://twitter.com/MatthewDalyWDC

Associated Press

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SEC, FINRA to review Facebook issues, Nasdaq sued

(Reuters) - Two top U.S. financial regulators said the issues around the initial public offering of Facebook should be reviewed, putting fresh pressure on the company, its embattled lead underwriter and the Nasdaq.

After Friday's nearly flat close and Monday's 11 percent plunge, Facebook shares closed 8.9 percent lower at $31 on volume of 101 million shares. At that price the company has shed more than $19 billion in market capitalization from its $38-per-share offering price last week.

Investors were still shaking their heads over the botched opening trading of Facebook when Reuters reported late Monday that the consumer Internet analyst at lead underwriter Morgan Stanley cut his revenue forecasts for Facebook in the days before the offering, information that may not have reached many investors before the stock was listed.

JPMorgan Chase and Goldman Sachs, which were also underwriters on the deal, each revised their estimates during Facebook's IPO road show as well, according to sources familiar with the situation.

Reuters reported that Morgan Stanley selectively disclosed the change in Facebook estimates, which drew the attention of the main regulator of U.S. brokerages.

"That's a matter of regulatory concern to us and I'm sure to the SEC," said Richard Ketchum, the Financial Industry Regulatory Authority's chairman and chief executive. "And without saying whether it's us or the SEC, we will collectively be focusing on it.

A Morgan Stanley spokesman declined to immediately comment on Ketchum's remarks.

Securities and Exchange Commission Chairman Mary Schapiro said investors should be confident in investing, but she conceded there were questions to answer as well.

"I think there is a lot of reason to have confidence in our markets and in the integrity of how they operate, but there are issues that we need to look at specifically with respect to Facebook," she told reporters as she exited a Senate Banking Committee hearing.

STILL OVERVALUED?

With Facebook shares all but impossible to sell short, investors have sought out almost any related vehicle to bet against the social network. Over the past three trading days, prices plunged on two closed-end funds that owned pre-IPO shares. Firsthand Technology Value Fund and GSV Capital Corp both dropped more than 25 percent even though their Facebook holdings make up only a small fraction of assets.

"Until investors can actually short Facebook, they have to keep shorting other things that can give them some sort of proxy for Facebook," said Thomas Vandeventer, manager of the Tocqueville Opportunity Fund, which owns shares of both the battered closed-end funds.

Brokers who over-ordered shares in the expectation that supply would be limited continued to complain they received too much stock to handle and were left in the dark about forecast changes.

One Morgan Stanley Smith Barney adviser also cited the fact that institutional investors received information that retail investors did not, calling it "a huge issue for the entire industry.

"Night and day the institutional clients get things that we don't get. It's a big issue," the adviser said, adding there was surprise within the brokerage that Morgan Stanley, as lead underwriter, had not done more to support the share price.

As bad as the declines have been, though, a view persists that the stock remains overvalued.

Thomson Reuters Starmine conservatively estimates a 10.8 percent annual growth rate -- almost exactly the mean for the technology sector -- which would value the stock at $9.59 a share, a 72 percent discount to its IPO price.

Similarly, the company's price-to-earnings ratio remains lofty, even after the selloff. The $31 price implies a forward P/E of 60, compared with Google's 13.3 forward price-to-earnings ratio (for a similar rate of growth).

The one bright spot for Facebook was news late Tuesday that it had agreed to settle a proposed class-action lawsuit over its "Sponsored Stories" feature.

WEIGHING ON NASDAQ

Besides the pressure on Facebook and on Morgan Stanley, there is also an intense focus on Nasdaq, which has shouldered much of the blame for the trading failures.

The exchange has set aside money to compensate customers, but some on Wall Street are warning its ability to snag future big IPOs is at risk. Meanwhile, a suit filed late Tuesday in Manhattan federal court seeks class-action status for anyone who lost money due to a mishandled order.

"It's dreadful for the markets," former SEC Chairman Arthur Levitt said of the IPO and its handling by banks and Nasdaq. "It's an event with long-lasting negative implications for an industry that can ill afford this kind of blemish, and the last chapter hasn't been written. Nobody looks good here."

But Nasdaq shareholders gave the company a pass on Tuesday -- at the exchange operator's annual meeting, which only lasted a few minutes, top executives did not get any questions at all on what went wrong with Facebook or what they were doing to correct it.

"While clearly we had mistakes in the Facebook listing, we still want to highlight the fact that it was the largest IPO ever and on Friday of last week, we processed over 570 million shares," Nasdaq Chief Executive Bob Greifeld said at the shareholder meeting.

Defenses notwithstanding, Barry Ritholtz, a widely followed financial blogger and the chief market strategist at Fusion IQ in New York, took all sides - Facebook, Morgan Stanley and Nasdaq - to task in the sharpest terms on his blog Tuesday.

"Thus, what we see are a series of bad decisions made by Facebook's executives going back many years. The insiders got greedy, too clever by half, in how they used secondary markets. They picked a bad banker and an awful exchange," Ritholtz said.

(Additional reporting by Jed Horowitz, Edward Krudy, David Gaffen, Jessica Toonkel, Joe Giannone, Jonathan Spicer and John McCrank in New York, Ross Kerber in Boston, Sarah N. Lynch in Washington and Alistair Barr, Alexei Oreskovic and Noel Randewich in San Francisco; Writing by Ben Berkowitz in Boston; Editing by Edward Tobin, Maureen Bavdek and Steve Orlofsky)

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