This summer’s fashion styles are a mixture of stunning oriental and floral patterns to bold stripes and checks, tuxedos and suits to swinging sixties styles, matte polka dots to shimmering metallic evening dresses. Even though the assortment is vast, I am going to concentrate on the top 5 styles this season that are guaranteed to get you noticed!

Sixties
The swinging sixties are back in fashion. With colors becoming even more bold and vibrant and the mini skirt creeping its way back in distinctly, it is not surprising that this free flowing, carefree style has made its return with great pride. Pleated minis are a cute addition to any fashionistas wardrobe and with the weather becoming more friendly towards them why not let it shine and show it off in style. Even that long sleeve, cotton tie-dye top which has been hiding away all winter will be a welcome change this season.

Metallic
A particular favorite in the catwalks this season, metallic are an all-round must have this summer. With shimmering gold and silvers they can set any outfit off with a beautiful, eye-catching shine. Long, scoop neck metallic mesh tops are a favorite at the moment for casual wear so why not make it stand out with a contrast color underneath? Another constant appearance for metallic is the ever so glamorous evening dress. Just the way metallic fabric falls gives that sophisticated sense of style to any figure.

Stripes
Stripes are great for setting the perfect appearance. Vertical stripes are excellent for giving that tall, slim appearance so use them to your advantage. Most people do not realize but pinstripe suits add that touch of sophistication without going overboard, for those people who feel they could not pull off bolder stripes. However, do be cautious; gauge the size of stripes to suit your figure as incorrect judgment can cause an extreme fashion faux pas.

Oriental prints
Caught on the catwalk last winter and still heading down the red carpet this season. Red, black, turquoise and pink colors with that beautiful cherry blossom pattern in shining gold look amazing in every aspect. Keeping in theme with the iconic floral styles, it is not surprising oriental patterns have entered the summer must haves. Not only do they catch the light and make your stunning outfit stand out, they accentuate the figure attractively. Splash out on gorgeous gold cherry blossom kimono jackets, mandarin collared tops and trousers this summer and get those heads on the high street turning towards your glimpse of eastern paradise!

Checks
With check starting on the red carpet in last October, this high class style (mostly associated with the royals) has kept up its appearance this season. Chess board blocks in black and white are a great way to set that upper market look, however be careful; too much check can overkill an outfit, instead treat it as an addition, a check collar over a suit jacket can put that je ne sais quoi to a tailored suit without going overboard.

So, with these top 5 styles in every shop window at the moment and their popularity on the rise throughout summer, you can rest safe in the knowledge that these fashion flairs can be a happy addition to your wardrobe and get you noticed without breaking your bank balance.

You could call it the Trailways tour, or the non-campaign tour, or the I hope I run into Sarah Palin at a truck stop tour. But I’m going to call President Obama’s bizarre three-day road trip around the upper Midwest his Sesame Street tour.

Sesame Street, as in “brought to you by the number 270 and the letters G, O and P.”

With America’s rural population at a record low (only 16 percent of us live outside urban areas), and with sky-high commodity prices making the farm sector one of very few vigorous parts of the U.S. economy, Obama’s decision to spend three precious days of his term talking about jobs in places like Cannon Falls, Minn., and Decorah, Iowa, doesn’t seem to make any sense. Tooling down the heartland’s two-lane byways in a tricked-out $1.1 million Secret Service brontosaurus seems politically tone-deaf, too. It cannot have made the president’s green supporters very happy. On the other hand, the presidential behemoth must have put a few smiles on the faces of corn farmers, who are happy to sell their crops to ethanol and biodiesel makers.

There is a method to the apparent White House madness, however, and I am pretty confident it has a lot to do with the Electoral College.

Presidential races are not determined on the basis of who gets the most votes. If they were, we would all remember the Gore administration. Instead, it takes 270 Electoral College votes to win the White House. At this early stage in the campaign, the president’s prospects look pretty dim.

Florida, oddly enough, is the key to understanding this week’s bus trip.

Let’s create our own map of the possible Electoral College results next year. The website 270towin.com makes this very easy. For starters, let’s give Obama all six New England states, plus the Democratic-leaning Northeastern states of Pennsylvania, New Jersey, New York, Maryland and Delaware, as well as the District of Columbia. Pennsylvania is not a sure thing, but we will be charitable toward the president. Let’s also give him all the Pacific states except rock-ribbed Republican Alaska. He is entitled to his home state of Illinois, and we can throw in Michigan, if only because Obama can (and certainly will) claim credit for rescuing General Motors and Chrysler. Finally, we will give him Minnesota. It is a pretty evenly divided state, and home to Tea Party favorite Michele Bachmann, but Minnesota has gone to Democrats in every presidential election since the Nixon landslide in 1972.

That’s 236 electoral votes. If Obama could count Florida in his column, he would be up to 265. He would need to pick up only one shaky swing state to get over the hump, even a small one like Nevada, with six electoral votes, or New Mexico, with five. That is a manageable goal.

The problem is that Obama’s chance of winning Florida is slim, and getting slimmer. He carried the state in 2008 with a heavy turnout among minorities and solid support among independent white voters. This time his white support is far weaker, and his hard-core Democratic base is far less motivated than his Republican opposition. Obama has to brace for lighter turnout in the Democratic-leaning South Florida metroplex, and stiff resistance in the critical corridor along Interstate 4, running from Tampa to Orlando to Daytona Beach.

If he loses Florida, as he probably will, Obama’s prospects are bleak. States like Virginia and North Carolina, which he pulled into the Democratic column last time, are hopelessly out of reach. His chances don’t look good in Ohio either, though this may depend on whom the Republicans nominate and how effectively that person campaigns. He cannot count on Ohio. Missouri, another important swing state, is probably also beyond Obama’s grasp. Health care reform pushed that state sharply to the right.

Without Florida or Ohio in his column, Obama’s only hope is to run the table by winning every other state in which he conceivably has a chance. That would be Wisconsin, Iowa, Nevada, Colorado and New Mexico. He also cannot afford to lose any of his base states, notably Minnesota and Illinois.

Now the motivation for the bus trip becomes clear. Motoring his way through Minnesota, Iowa and Illinois gave Obama a chance to show some love for the region. He also guaranteed himself plenty of exposure in neighboring Wisconsin, which was busy on Tuesday with the last of its recall elections stemming from this year’s legislative fight over public worker unions.

Wisconsin is undoubtedly causing the president and his political handlers plenty of aggravation. Without Florida or Ohio, they cannot win without Wisconsin. Yet Democrats and their labor allies spent tens of millions of dollars in nine recall elections affecting state senators with unsatisfying results. They picked up only two of the six Republican seats they challenged, leaving the Legislature in GOP hands. They also lost a stiff challenge to a sitting, Republican-leaning state Supreme Court justice. Wisconsin remains a close call, but it clearly leans Republican right now.

Why didn’t Obama ride his bus there? Probably timing. A visit on Monday or Tuesday would have looked like blatant interference in the recall elections and might have sent Republicans streaming to the polls. A visit on Wednesday would have risked embarrassment if one or both of the Democratic senators who were challenged this week had been knocked off. The safest course was to stay out but stay close, and that is what the president did.

Sesame Street has always been one of the most instructive shows on television, and the Sesame Street Bus Tour was equally informative. By staying away from Florida, Obama taught us a lot about the reception he thinks he will get down there. By confining himself to the upper Midwest, he underscored how important the region has become to his presidency. Presidents usually take faster transportation options, and nobody relishes the thought of three days on a bus. Not even one tricked-out by the Secret Service.

The majority of those who desire a travel agency job are the ones thinking about traveling. A travel agent position will certainly open up opportunities for you to go to the Caribbean, Venice, Egypt, Tuscany, Malaysia, Morocco and any place else in the globe, however, not always. But in many instances, having a travel agent position allows you for you to visit the well-known narrow walkways of Baghdad, bargain with carpet retailers of Turkey and gesture with the man-eating tigers of Nigeria. That is a fantastic possibility for many, especially those who do not want a desk job in an 8-5 office.

Keeping a travel agency position requires that you be passionately in love with traveling and also have enough knowledge to influence plenty of people as possible to go with you to vacation packages in unfamiliar destinations. It is primarily the infectious travel love that makes your agency’s consumers be interested in just what the planet boasts also in doing this supply you with the revenue. A career in travel agencies indicates you can actually motivate others to enjoy everything you have loved during you expeditious journeys. Traveling for you becomes an enterprise when it is exciting for other people.

Fundamentally, a travel agency career involves assisting others schedule, organize and prepare for their vacations. Your task is to arrange and book their tickets and accommodation packages for as many vacation goers as you can influence. The education qualification needed for you to join a tour operator career is not as high as with many other career paths. You need at least a high school diploma and then professional training as a travel agent and the required certification. Main travel firms demand that their travel agents have a suitable degree. You may therefore seek such a degree or select the vocational schools offering specific in travel.

Besides the college background and professional education, your odds of acquiring a travel agent position may also depend on considerable business working experience. It helps if you’re able to prove to be a devoted traveler or to have enough knowledge about holiday destinations. Such expertise and knowledge adds volumes to your resume. The very best method towards such a CV is very first to get formalized training on travel to develop insight on how the business functions. Look for expert courses in such areas as sales and marketing, travel destinations, holiday package salesmanship and such relevant fields in the travel business.

The best vocational colleges’ diplomas or university degrees usually uncover you to the geography, history, languages, and communication expertise essential when traveling to several nations around the globe. A good method right here is always to go with the training with self initiative to master about the tourism, about the planet leading to internet businesses. Today, the world-wide web is the best reservoir of knowledge that you need to continually exploit as a confident or practicing travel agent.

It will likewise do you lots of good to help keep abreast with current routines. In this regard, apply for continuing classes in the travel sector such as the CTA qualification (Certified Travel Associate) as well as the CTC certification (Certified Travel Councilor). Even while, understand that your success in the travel agent job is determined by how trustworthy you are to clients, how dependable, how effective, how structured and just how innovative you might be while coordinating the itineraries of one’s clientele.

You must discover ways to successfully communicate while selling certain locations and packages to travelers while also being able to organize a creative traveling schedule, dependable in rent cars or taxis for travelers, booking hotel rooms, assisting specific travel budgets etc, for these are the basic features of a successful travel agent. When the art is learn, having a travel agency career is among the many enchanting encounters an outdoor individual may ever ask for.

1. Payday loans trap consumers in “cycle of debt”
Although the phrase “cycle of debt” is a favorite among industry critics, it is not based on the truth. Researchers and American state regulators consistently report that 70-80% of customers use payday cash advances between once a year and once a month.

It is important to understand that a payday advance is not meant to be a long term loan. What a payday loan has done is assist millions of families with emergency needs. This means that a payday advance is given only under the agreement that it will be paid off on the applicant’s next payday (hence the term, payday advance). Short-term loan providers also operate a rollover service to help keep the payday advance applicant from being stuck in a long term, high interest rate loan.

2. All operate as loan sharks
A payday loan provided by a reputable payday loan or cash advance company does not take advantage of people. It is meant to be used only for a short term emergency situation by employed persons who need a little bit of help between paydays for emergencies. This is a very common occurrence when most families live pay check to pay check and may not be financially prepared for emergency repairs, travel or medical expenses. In reality, quick payday loans fill a necessary component in the economic world.

3. Rude employees
Payday loan companies do not compete on the price of their loan, therefore it is important for them to compete on other aspects of the service to create a competitive advantage. One of these ways is through customer service and to ensure all employees are financially knowledgeable and are fully qualified for the job to certify their customers are given an excellent customer service. This is further enhanced through the recording and monitoring of telephone calls in and out of the company.

4. Target vulnerable people, the poor etc
Payday advances are marketed toward subprime clients without a distinction in employment or culture. In fact, payday loans are marketed toward those people earning between £10 000 and £25 000 per year. Most payday advance members are under 45 years old and all applicants are currently employed with a steady income and have an active checking account. In reality, payday advances are meant for working adults with an immediate emergency need that cannot be satisfied through bank and union loans.

5. Hide fees and have high interest rates
The payday cash loan facility is required by law to disclose any application fees, interest rates and other fees. In accordance with OFT guidelines, it is a legal requirement that all fees and rates must be clearly outlined and disclosed to the customer.

A payday loan does have high interest rates. This is not because the lender is trying to take advantage of emergencies, but because they are a short term lender. The payday loans are meant to be short term loans, not long term loans that are constantly refinanced with monthly statements. This means that the payday loan company assumes greater risk at the same profit level as other financial institutions.

6. Threaten customers with coercive collection practices
Short-term loan providers are committed to collecting past due accounts in a professional, fair and lawful manner involving no criminal actions. In accordance with BBCA’s guidelines, companies in the UK may not pursue criminal actions against a customer as a result of the customer not repaying their loan. If absolutely necessary and after all other approaches have been tried, the lender may turn the issue over to a collection agency.

7. Operate outside the OFT guidelines
All short-term loan lenders should follow OFT guidelines and are dedicated to practicing all practices and collections in the best way possible. The company strives to educate the consumer and to make sure that our borrowers clearly understand the payday loan process. This is in accordance within the customer selection criteria in a Responsible Lending policy.

8. Unethical
Many posts have been written on consumer forums about how payday loan lenders are unethical and immoral for taking money from people who need it the most. This is not the objective of payday advances; these short-term loans are meant to tie over consumers until payday and be paid back on time. One loan provider operate a ‘Responsible Lending’ policy, listed in this policy are guidelines stating that the company’s charges are transparent and only lend to customers who can pay the loan back. The company also offers a payment plan option if customers are unable to pay back the loan on time; this allows them to pay back a small amount per week which the customer can afford.

Short-term loan lenders who offer payday advances have also been seen to partner with a charity to match customer donations made through the website. For example, one lender has partnered with Starlight Children’s Foundation to match the 50p donation, customers can choose to make on their interest payment.

9. Adds unauthorized charges to accounts
Payday loan providers only charge customers what they owe, and do not want to charge customers more for their loan. All companies ethical practices and responsible lending policy ensures customers only pay back the interest payments and charges which are relevant to their account.

10. Employees are trained to set hooks
Employees from payday loan providers are trained purely for business purposes, and to help customers as much as they can. Employees from short-term loan providers pride themselves on excellent customer service and helping customers out. To employees from this short-term loan lender happy customers mean increase commission.

Elderly care is an event that most children do not wish to think about. No one wants to think about his or her parent growing old. We look to our parents for guidance and support, but there comes a time when the parenting roles reverse.

It is important to discuss future events with your loved ones and develop a long-term plan for their care for when they become unable to care for themselves. Developing an Eldercare checklist is a proactive way to ensure your loved ones whether parents or grandparents receive the level of care they need and services they want, or, in the case of artificial nutrition, they may not want.

There are several key points and strategies you will want to include on your Eldercare checklist:

1. What level of eldercare is needed, and where will this care be given?

2. How will you pay for the eldercare? The medical costs of eldercare.

3. What will be done with your parents’ or grandparents’ assets while they are receiving eldercare?

4. Are all legal documents including the Will and Living Will current? Have your parents’ or grandparents’ Wills and Living Wills been reviewed recently by an Attorney? What is an Advanced Financial Directive? What is an Advanced Medical Directive in eldercare estate planning?

5. Have your parents or grandparents designated a Durable Power of Attorney?

Making sure you have answers to these questions for your parents or grandparents eldercare early on will avoid confusion and distress later. Don’t wait until there is a tragedy to make plans that will affect how your loved one spends the rest of their life. For the purposes of this article we will assume “loved one” to mean a parent or grandparent.

Where will eldercare be given, and by whom?

1. CAREGIVER AND ELDERCARE

INFORMAL CAREGIVER

There are two types of caregivers: informal and formal. An informal caregiver might be a spouse or child, and these caregivers do not receive direct payment for their services. Usually payment is made through services exchanged such as food or housing at no charge while caring for your parent.

FORMAL CAREGIVER

A formal caregiver is usually employed by an agency to provide quality care in the comfort of your home. If the formal caregiver is not associated with an agency, it is important to conduct a thorough check of references to ensure you are hiring a quality professional.

It is important to inform all formal caregivers of the responsibilities associated with your parent’s needs. If your parent needs assistance in and out of a wheelchair, a hired caregiver should be able to perform this task without harm to your parent or to him/herself. To avoid injury to all persons involved, informal and formal caregivers should receive training on proper techniques for lifting and moving, proper use of bedpans, and how to maintain good hygiene for a parent confined to bed.

LOCATION OF ELDERCARE FOR YOUR PARENTS

There are many options for the location of care provided. Most people would agree that living our their remaining years in the comfort of home is more appealing than living in a state facility. If your parent wishes to receive care in their home you can make home modifications, such as a wheelchair ramp or seat in the shower, to accommodate their changing needs. You can also hire a formal caregiver to come and assist your parent with daily activities such as bathing, eating, taking medications, or regular exercise.

CONSIDERATIONS OF ASSISTED LIVING HOUSES OR NURSING HOMES

If it is not possible for your parent to remain at home, you can choose to place them in assisted living houses or a nursing home. Before placing your loved one in a facility, you should thoroughly check both the location and the staff. Make yourself familiar with required paperwork ahead of time to prevent delays when it comes time to move in, and, if possible, make several unannounced visits to oversee daily activities.

You should check if the facility is regulated by the state, and request to see any licenses they have for providing eldercare. Find out how the staff is trained and if they are required to have certification to work there. You should consider the cost of the facility and the living accommodations your parent will be provided.

Additional considerations when choosing a facility might be types of activities offered to residents and the quality and type of food provided. While no place will be perfect, you should choose a facility that makes your parent feel as comfortable as possible away from home.

2. MEDICAL COSTS OF ELDERCARE AND MEDICAID

Not many insurance companies are willing to pay for long-term care. It is important to check the details of your parent’s policy and read the fine print for restrictions. For example, Medicare will not pay for long-term care but it will pay a very short-term benefit. However, Medicaid will pay for long-term care but only if your parent receives care in a Medicaid facility.

If you plan far enough ahead, you can begin setting aside money so you can afford to provide long-term care to your parent at home. You should consult a financial advisor or estate planner to go over your parent’s bank statements and assets to determine how long their current funds will be able to provide medical care, and based on this assessment you can establish a savings plan to make up the difference needed for long-term eldercare. When figuring in additional savings you need, keep in mind that you will also need to continue paying any current bills your parent might have.

3. WHAT TO DO WITH YOUR PARENTS’ ASSETS DURING ELDERCARE

Before you rush off and put your parent’s house on the market, make sure you have discussed where they want to receive their long-term care. It would be quite devastating for your parent to come home from a hospital stay to discover you had sold the house and moved their belongings into a nursing home.

You should also ask your estate planner or financial advisor which of your parent’s accounts you should withdraw money from to help offset costs. Some accounts, such as annuities, carry penalties for early withdrawal and may require you to pay taxes on income earned through these accounts. Also, once you begin withdrawing money from an annuity you cannot stop payments.

LEGAL ISSUES OF ELDERCARE

Hopefully, your parent has written a will and made you aware of its location. A Will should be reassessed by an Attorney every few years to make sure all the people listed as beneficiaries are still alive, and that your parent still wants them to receive a portion of their estate.

Moreover, your parents should have an irrevocable trust as part of their estate planning eldercare needs which will avoid the high expenses of probate, reduce estate taxes and possibly eliminate some earned income and your parents will gain the benefits of asset protection. Speak with a qualified and good estate planner such as Estate Street Partners who can guide you through this complex process.

4. IMPORTANCE OF LIVING WILL, ADVANCED FINANCIAL DIRECTIVE AND MEDICAL DIRECTIVE IN ELDERCARE ESTATE PLANNING

You should also council your parents on drafting a Living Will in the event they are unable to speak for themselves. Learn more about Living Wills and Advanced Financial Directives and Advanced Medical Directives by going to our website. The Advanced Financial Directives and Advanced Medical Directives are extremely important in eldercare estate planning when your parents cannot speak for themselves and will protect their financial and medical wishes.

5. DURABLE POWER OF ATTORNEY (DPOA) AND ELDERCARE ESTATE PLANNING

You should know ahead of time where these documents are before an emergency arises to ensure that your parent’s wishes are followed. Having a DPOA allows someone your parents trust to act on their behalf and make legal and financial decisions for them, including the transfer of valuable assets, if they become incapacitated.