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Financial guarantees, contingent liabilities and other financial obligations
Within the context of financial guarantees, Daimler generally guarantees the settlement of the payment obligations of the main debtor vis-à-vis the holder of the guarantee. The maximum potential obligation resulting from these guarantees amounts to €0.8 billion at December 31, 2016 (2015: €1.0 billion); the liabilities recognized in this context amount to €0.2 billion at the end of the year (2015: €0.1 billion). The financial guarantees that the Group has issued relating to bank loans of Toll Collect GmbH, the operator company for the electronic toll-collection system in Germany, remain unchanged at €0.1 billion. For information on risks arising from guarantees, we refer to our Risk and Opportunity Report in the section "Risks from guarantees, legal and tax risks."
The contingent liabilities principally constitute buyback obligations. At December 31, 2016, the best possible estimate for the loss risk from these guarantees amounted to €1.7 billion (2015: €1.6 billion). Warranty and goodwill commitments (product guarantees) provided by the Group in connection with its vehicle sales are not included in the contingent liabilities. In addition, other contingent liabilities are included. The best possible estimate for an obligation from the other contingent liabilities is €0.3 billion (2015: €0.4 billion).
In the context of its ordinary business operations, the Group has also entered into other financial obligations in addition to the liabilities shown in the consolidated balance sheet at December 31, 2016.
Detailed information on financial guarantees, contingent liabilities and other financial obligations are provided in Note 30 of the Notes to the Consolidated Financial Statements.

subset: commoncrawl


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There was a certain level of comfort I associated with treating my chronic illnesses with the more "traditional" approaches we associate with Westernized medicine. I might not have enjoyed relying on doctors, surgeries, and pharmaceuticals to keep me going, but I was used to it. And in a body that felt…well…uncomfortable most of the time, I found an unexpected peace in maintaining this low level of functioning day after day.
I guess I could have waited until I "got better" before I gave up the safety net that pharmaceuticals provided, but having no confidence that would happen, I went for it, sure that there would be other things onto which I could hold. As time goes on, however, I realize that my old safety nets don't offer me the same level of comfort they once did. The doctors that used to provide quick fixes to treat my symptoms no longer have anything to offer me. I'm not consulting with the surgeons I was last year because their options are limited and if I'm being honest, terrifying. I still need help though, and I still have a whole lot of questions and very few answers.
Luckily, the answers to my questions are out there, I just have to keep trudging along. Because I know that my case isn't as odd as former physicians made it out to be. [I'm pretty sure what they called complicated was really just their response for I have no idea what to do.] I'm also lucky in that there are people in my life in full support of what I'm pursuing, and I'm constantly working on making that circle larger.
But today I'm unbalanced.
The crazy thing is that the more I learn the farther off-center I feel. An entire world of alternative methods to treat our body, mind, and spirit is ahead of me, and each step I take into that world I see how incredibly vast it is.
Maybe that unbalanced feeling is okay, though. It might feel like life is in a more tumultuous state than it was a year ago, but I don't think that means that it is. Ignorance may be bliss, but it certainly didn't serve me.


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Your Financial Planner & Coach
Todd Smith, CFP
Hi, I am Todd Smith, CFP the founding member and President of Level 5 Financial. I am a Certified Financial PlannerTM and coach who works with business owners, families and retirees from all walks of life and has since 1997. I enjoy creating expert financial solutions for challenging financial problems and have been fortunate enough to have both solid Corporate experience in addition to working for small, closely held business and running my own firm. My expertise has been built on my experiences ranging from a Corporate trainer, large 401(k) administrator, and financial planner. This varied background not only enables me to relate to my young(ish) professionals and business owners – chances are I have been there or seen it! – but also provides broad problem solving capabilities when it comes to helping clients achieve the financial goals they hold most dear.
Community Involvement/Associations
- XY Planning network, Member (2015-present)
- Financial Planning Association of Southern Colorado, Member & Secretary (2014-present)
- Unity Spiritual Center, Member (2009-present)
- Second Wind Fund of Uncompahgre Plateau, Director (2009-2011)
- Shared Vision Network, Director of Community Relations (2008,2009)
- Financial Planning Association of Greater Phoenix, Director of Lifelong Learning (2008,2009)
Claim To Fame
As my high school ice hockey captain (actually was captain and MVP of three sports!) we were fortunate to tour Germany playing several teams and even beat the German Nation team 4-2! No, I am not quite the athlete any more…
Interesting Fact
I was once a licensed boat pilot and engineer for one of the few mail boats in the U.S. We would deliver mail to docks in the morning and provide historical lunch and dinner tours across a lake in upstate New York. I still say this was one, if not THE, best jobs in my life. Perhaps that's my own retirement?
Hidden Talent
I have been told I am a very good cook and, dear I say, a good dancer. I may not agree, but do enjoy growing clean, organic food and creating yummy meals!
Favorite Hobbies
I tend to be pretty busy "nerding out" as a business owner and entrepreneur (I love socially conscious and innovative entrepreneurs) and staying active. I love to travel, golf, hike and camp, read, and explore local art. I also still play ice hockey and watch sporting events when time permits.


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Our OB-Gyn doctors, Dr. David Monticone, and Dr. Jesus Baeza, offer women comprehensive healthcare services in El Paso, TX. They specialize in treating gynecological issues including menopause management, contraceptive needs and infertility.
Gynecologic Procedures
- Novasure®
- Colposcopy
- Cryotherapy
- Endometrial biopsy
- Hysteroscopy D&C
Our OB-Gyn center also provides complete obstetrical care for women. We provide ultrasounds, non-stress tests and high-risk pregnancy care at our office.
If you have questions about our services, please call (915) 591-4624.


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On Sunday, October 13, 2013, Washington State Route 276 had been designed, but not built.
State route No. 276:
A state highway to be known as state route number 276 is established as follows:
Beginning at a junction with state route number 195 west of Pullman, thence easterly and southeasterly to a junction with state route number 270 east of Pullman.
Oh well. Maybe next century.


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The Hospitality & Tourism program is geared to train students toward service occupations in the area of hospitality, lodging and facility care.
Students receive lab experience and classroom instruction in hospitality and lodging services, guest relations, room service, meeting and banquet services, commercial laundry and linen services. Students can work individually and in teams to complete a variety of school and community projects. Students can also explore employment opportunities in a hands-on setting with professionals from the field.
Employment opportunities include hotels, motels, hospitals, adult extended care facilities, institutions, private homes, and with agencies providing service to individuals.
Skills Learned:
- Lodging and food support services
- Facility care
- Laundry and linen care
- Receiving and stocking procedures
- Customer relations and quality service
Employment Opportunities:
- Hotel and lodging facilities
- Commercial laundries
- Retail establishments
- Restaurants and food service facilities


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New products and changes introduced over the last week include leveraged bull and bear ETFs from Direxion, a trust from Hennion & Walsh and a hedge fund from Wharton GC.
In addition, Gemini announced the launch of a centralized managed account platform and New York Life unveiled a chronic care rider for new whole life policies.
Here are the latest developments of interest to advisors:
1) Direxion Launches 3X Leveraged Bull and Bear ETFs
Direxion announced Tuesday the launch of its Direxion Daily FTSE Europe Bull 3X Shares (EURL) and Direxion Daily FTSE Europe Bear 3X Shares (EURZ). Both ETFs track the FTSE Developed Europe Index, created and managed by global index provider FTSE, which is a free-float-adjusted composite designed to measure the equity market performance of mid- and large-cap segments of developed markets in Europe.
EURL seeks to generate daily investment results of 300% of the index's performance, before fees and expenses. EURZ attempts to deliver daily investment results, before fees and expenses, of 300% of the inverse of the same composite's performance.
2) Hennion & Walsh Launches Trust
Hennion & Walsh has announced the launch of its SmartTrust NASDAQ International Dividend Achievers Index Trust, Series 1. The two-year trust seeks to pursue its objective by investing in a portfolio consisting of the publicly traded foreign securities making up the NASDAQ International Dividend Achievers Index. The objective of the index is to track the performance of certain foreign securities with at least five consecutive years of increasing regular dividend payments.
The security types eligible for the index include American Depositary Receipts (ADRs), Global Depositary Receipts (GDRs), limited partnership interests, ordinary shares and shares of limited liability companies.
Wharton GC announced Monday that that it will launch a new hedge fund this year, and had sold another minority equity stake in the firm to an unidentified buyer to help ensure its long-term viability. The firm described its new fund, Oracle of Investing Fund LP, as a variation of its long-short and global macro strategies that seeks to perform in any economic environment.
The firm said in a report that Oracle of Investing Fund LP would help ensure that Oracle Fund doesn't grow to such an extent that could hurt its returns. The report did not specify how much Wharton GC planned to raise for the new Oracle of Investing Fund LP, or whether it would take money only from existing investors.
4) Guardian Announces New Investment Option
The Guardian Insurance & Annuity Company, Inc. (GIAC), a wholly owned subsidiary of The Guardian Life Insurance Company ofAmerica (Guardian), announced Monday the addition of Federated Investors Inc.'s Capital Preservation Fund to the Guardian Choice and Guardian Advantage fund lineups.
Federated's Capital Preservation Fund is a stable value fund aimed at preserving principal and generating high current income by investing in guaranteed investment contracts, money market mutual funds, and other stable value products.
5) Gemini Announces Launch of Centralized Managed Account Platform
Gemini Fund Services, LLC announced Monday that its parent company, NorthStar Financial Services Group LLC, has launched a new subsidiary, Gemini Alternative Funds, LLC (Gemini Alt), which serves as a centralized platform for delivering a wide range of operational services to the alternative investment community. David Young serves as Gemini Alt's president as well as president of Gemini Hedge Fund Services, LLC.
The platform offers transparency, risk management and monitoring, distribution, fund structuring, liquidity enhancement and uniform operational set-up services. It also performs due diligence on all participating funds and managers, and its customizable portfolio and risk management technology provides near real-time data.
6) New York Life Announces Chronic Care Rider
New York Life has announced a chronic care rider for its whole life policies that offers policyholders the option of accelerating their policy's face amount to help pay for chronic care needs. The rider is available on newly issued New York Life Whole Life and Custom Whole Life insurance policies.
The rider, with a premium guaranteed to stay level, can be used to pay for at-home care, a nursing home stay, or to help supplement the needs of family members who are spending time providing care. If a policyholder does not need to use their benefits for chronic care, those funds remain intact as life insurance benefits for heirs or as cash value.
Read the Jan. 17 Portfolio Products Roundup at ThinkAdvisor.


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What next for 2018? Peace, tranquility and, above all, something to nourish the soul. Un-plug, switch off, and drop your digital dial, as Shakti Kumaon and Shakti Leti 360 reopen for 2017/18 full of the promise of a true digital detox. This season, Shakti's Village Walks – exploring the foothills of the world's most majestic mountain range on foot – are encouraging guests to leave technology behind, disconnect from the fast-pace digital world and simply 'be'.
Ideal for burnt-out city workers, worn-out souls, or simply those in need of a well-earned rest, Shakti's Kumaon and Leti 360 itinerary encourages guests to escape and recalibrate. Naturally remote, the destination renders the digital world redundant; this is a trip during which there is no choice but to disconnect, embrace 'slow travel' and be empowered by the inspiring people, cultures and landscapes in the north Indian hill state of Uttarakhand.
The experience begins traveling by train from Delhi, slowly escaping into blissful countryside. Accompanied by local porters and guides and a private chef, the first part of the 7-night itinerary will see guests walk between remote villages across three days. Guests stay in traditional houses that Shakti has spruced up to provide serious comfort without compromising on authenticity – pashmina blankets, fluffy duvets and cosy fireplaces, are complemented by traditional artifacts and Indian artwork. Expect spectacular sunrises, visits to local schools, meals cooked in a tiny wood-burning oven and incredibly clear skies for star-gazing.
Arriving at 360° Leti will give a real sense of achievement. Having reached this mountain wilderness at 8,000 feet, guests will settle into one of four private pavilions – a perfect place to enjoy a new-found state of enlightenment and really relax into the unwinding process. Throughout the journey, guests will dine on healthy meals designed to sustain after a day's hard walking from a menu of family recipes ranging from Parsi Apricot chicken and the delicious Burmese dish; Khowsuey, to Samosas, and Kumaoni lamb curry made with the the finest local produce and the freshest ingredients picked directly from the Houses' own herb and vegetable gardens.
With perennially snow-capped peaks and some of the most inspiring mountain scenery in the world, going off-grid with Shakti Himalaya is a true once-in-a-lifetime experience.
Shakti Himalaya offers an seven-night / eight-day off-grid journey from £4,702/$5,860 per person, including the Shakti Kumaon Village Walk combined with Shakti 360 Leti on a fully inclusive basis, all activities, accompanying English speaking guide, private chef, support guide and porters, car at disposal and taxes, as well as return transfers between Kathgodam station / Pantnagar airport, village houses and Leti.
For booking and information contact: email@example.com / www.shaktihimalaya.com


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I received this book for free from the author or publisher in exchange for an honest review. This does not affect my opinion of the book or the content of my review.
I'm the girl no one sees. The bum on the street corner you avert your eyes from. The child no one loved. The lost soul no one sees fit to save. A person could go crazy being that alone, but not me. I dug myself out of hell and carried the flames with me. Therapists would call me a pyromaniac if they ever found out my secret. I will always remain an enigma; the puzzle piece that just won't fit.
Since I'm 18, I've decided to take charge of my life. Start over. Get a job…then disappear into the populace on my own terms. That was the plan. Until I ended up in Mullen, Nebraska and met Kyle King. He showed me a quiet peaceful life on a farm that was built with love and warmth. The kind of warmth even my precious fire couldn't provide. Instead of dismissing me like the rest of the world, he chose to look right at me.
Maybe the world wasn't so cruel.
Or maybe my downward spiral was just beginning.
I was really excited to read this book. I didn't read the blurb, but I loved the cover and was intrigued. Plus Bannister is a trusted author, I know whatever she writes will be unique and refreshing. I am delighted to say I was not disappointed.
"I'm not giving up on you."
"I know," I said, tears stinging my eyes. "That's' why I'm giving up on you."
Sarah was a dark character. She was broken and beat down by life. She was, however, determined to change her situation, to improve herself. Her darkness is deep-rooted and hard to escape. It's for this reason that when she meets Kyle she is reluctant to let herself feel anything for him. She doesn't feel that she deserves it. Kyle is a genuinely good person, and she can't comprehend how he could care for her. I loved their relationship, and how it grew slowly, and how the reader is able to see that Kyle's intentions are pure, even though Sarah refuses to think she deserves anything good in her life.
There are a lot of rough moments in the book. Some very bad things have happened to Sarah, and continue to happen to her. Bannister handles these scenes perfectly. I found myself reading at a furious pace, desperate to know the outcome. The writing was so fluid that I lost track of time. I absolutely loved reading Kyle's POV. I think he may have made my heart ache more than Sarah.
I really can't recommend this book enough. It is dark and unique, and unlike anything I've read before. I cannot wait to read more of this authors writing.
5 stars and a bottle of dark red wine! Enjoy!
Buy the Book
Enigma – http://amzn.to/1ViRPwz


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On the last New Moon (July 23), I performed a ritual to prepare myself for what is known as a Black Moon Cycle. A Black Moon occurs when two New Moons fall within the same solar month; the second of the two moons is known as a Black Moon. While New Moons in general are a potent time for setting intentions and starting new endeavors, a Black Moon ushers in a period of momentous change, which lasts until the next Black Moon (July 31, 2019). This period is marked by major transformations, transformations that can alter the very course of our lives.
My guides led me on a meditation during my Black Moon ritual, and in this meditation, I visited each of the twelve astrological houses to receive guidance relevant to each house. If you're unfamiliar with astrological houses, you can think of them as different areas of your life. The first house, for example, is related to our sense of self, our identity. It's very connected to our survival instinct, and often, many of the actions of the first house are instinctive and automatic unless we've done work to make these patterns more conscious.
And it is in this first house that I received a message related to fear and its effects, not only during this life but beyond.
When I entered the first house, I found myself in my grandparents' house, where I lived for the first few years of my life. Traveling through the rooms, I encountered different family members, each engaged in activities ranging from curious to disturbing, and each with important messages. But it was in the living room where I met one of my ancestors, and I began to cry when I saw that his skin and hair were smoking and glowing, like the embers of a fire.
"What is happening to you?" It was almost unbearable to see him this way, and he replied, "Burn away in life what does not serve or you will burn in death."
We only had what seemed like brief moments to talk before he disappeared, but he explained that this burning is not a punishment, it is merely a necessary freeing of the soul from the baggage accumulated in life. He said, "In life, we use fear as an excuse to accumulate 'protective' baggage, from actual, physical things to rigid beliefs and patterns of being. This all must be burned away if our souls are to return to their original state after death."
He explained that this is where our images of hell come from–this burning away, this purging of all that does not serve, the things we could have released in life but chose to cling to instead. Again, this burning isn't done as punishment–it's a necessary release of dead weight, but it is far better to willingly choose to release these things here, now, in life, so that our journey into death can be one of joy and peace.
Trial By Fire
How do we, as my ancestor described, "burn away in life what does not serve"? This advice reminds me of the alchemical step of calcination, the burning away of ego "detritus" that is preventing us from seeing ourselves and everything and everyone around us as Divine. A powerful way to engage the process of calcination is an exercise that I like to call Trial By Fire.
Trial By Fire can be performed anytime you are struggling with fear in its many forms: limited or rigid beliefs, procrastination, "over analysis paralysis" (aka, getting stuck in endless thinking and never doing), perfectionism, negative self-talk, shame, harmful competition and comparison, harsh judgement of self and others, and the list goes on.
While the antidote is simple, it's not always easy: To perform Trial By Fire, you take action. End of story. When you're afraid of teaching that workshop, you do it anyway. When you're afraid of publishing that blog post because perfectionism would have you tweaking it from now until the end of time, you do it anyway. When you're afraid to apply for that job because limited beliefs are convincing you that it can't possibly work out, you do it anyway.
Take action. We burn away fear by dragging it into the light of reality, by putting fear's loud theories to the test. Did we actually die as a result of giving that workshop? Did the internet explode because we published that imperfect post? Did our lives self-destruct because we applied for that job? Nope, nope, and nope.
Fear's power lies in its ability to prevent us from taking action. It keeps us stuck in our heads, thinking that we're somehow safe by not doing anything. But all this time, we're accumulating layer upon layer of "protective" baggage; our souls are getting heavier and heavier each time we allow fear to dictate our choices.
Fear sounds awfully convincing, but it's nothing more than a slick marketing campaign, designed to keep you numbed out and mindlessly consuming something–anything–to distract yourself from fear's dire predictions.
To lighten your load, willingly choose to burn away the things that no longer serve you. Acknowledge your fear, and do it anyway. Stop waiting for some imagined "perfect" opportunity. Embrace what's in the here and now; be willing to sacrifice the perfect fantasy and challenge the fear-based thoughts.
Put them to the test.
Subject them to a Trial By Fire.
What action can you take today?
Until August 17, 2017, I am offering a special Black Moon Session at my healing practice in Columbia, MO. Learn more here.


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Joseph Mellot, Sancerre Rosé, France 2014
Joseph Mellot is an institution in Sancerre; founded five centuries ago, it has stayed in the family ever since. Grown mainly on the region's characterically flinty soils, this delicate Pinot Noir rosé opens up with floral and raspberry scents. Dry and crisp on the palate, it develops succulent juicy summer red fruit characters.
Alc 12.5%
Taster Christelle Guibert


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Do you have a passion for helping others? Do you want to make a difference in your community? Do you want to make a difference in your career? Clinical social workers enhance and maintain the physical, psychological and spiritual well-being of individuals, families, and groups within their communities. Licensed Clinical Social Workers (LCSWs) also provide much-needed mental health care services aimed at preventing and treating a wide range of mental and behavioral disorders in people from all social, financial, and ethnic classes. In short, the goal of clinical social work is to improve the quality of life of those in need.
Earn the advanced credentials required to practice clinical social work and be a force for good in your community. The online clinical Master of Social Work (MSW) from The Catholic University of America's National Catholic School of Social Service (NCSSS) prepares you to obtain your license in clinical social work practice. Learn about state-specific licensure requirements that may apply in addition to University curriculum requirements. The social work sector is expected to grow by 19 percent through 2022, with a major emphasis being placed on hiring LCSWs. Catholic University's online learning format allows you to prepare for the clinical social work licensing exam whenever and wherever it is most convenient for you.
Building on its strength as the leading clinical social work program in the Nation's Capital and one of the top ranked social work programs in the country, the online MSW degree exposes students to a demanding curriculum that puts theory into action. Catholic University's online MSW program is also accredited by the Council on Social Work Education, the sole accrediting agency for social work education in America. The comprehensive clinical social work coursework will prepare you for a successful career in a wide variety of fields, including:
Although an undergraduate degree in social work is not required to apply, a true desire to serve all people is necessary when considering our MSW program.
If you share our mission, join the diverse group of men and women already enrolled in Catholic University's online clinical MSM who, like us, are committed to excellence in service and to the progression of the fields of social work.
Our clinical MSW concentration prepares you for a wide range of professional roles including:
Help individuals and communities around the world live a better life. The rigorous curriculum of our online MSW program includes all aspects of clinical practice with individuals, families, couples, and groups. Dimensions of assessment and diagnoses are thoroughly addressed across the life span.
Throughout your tenure, you'll get extensive preparation in the understanding and application of theory in evidence-based practice. Best of all, you'll have the opportunity to decide where you do your field placement. Tell us where you want to be placed, and our faculty will work with you to make it happen (if your selection meets program standards). The Field Education Office can help you identify social service providers in your area that are interested in providing an MSW internship for your social work field experience.
Catholic University's online MSW program prepares students to sit for the Licensed Graduate Social Work Exam. Passing this exam is the first step toward clinical licensure as an independent practitioner. (Students wishing to pursue licensure can learn about additional state-specific licensure requirements by visiting the Association of Social Work Boards website.) Impressively, 95% of our students pass the LGSW exam on their first attempt, which is a testament to the quality of our clinical social work curriculum and the outstanding faculty that teaches it. Its figures like this that explain why the National Catholic School of Social Service at Catholic University is ranked #52 among graduate social work schools by U.S. News and World Report.
The online MSW offers a small, intimate learning environment, as students are given the opportunity to develop a professional working relationship with our faculty. The faculty acts as mentors enabling students to become part of a valuable professional network that students can tap into for years to come.
The online MSW program includes the same features that make the on-campus program unique:
Social work is a profession dedicated to enhancing the quality of life, the pursuit of social justice, and helping a wide range of individuals to reach their full potential. Social workers are compassionate and understanding promoters of human dignity, diversity, and self-determination in the battle against exploitation, addiction, violence, and oppression. The online MSW at The Catholic University of America proudly represents these ideals by providing students with the knowledge they'll need to make a difference in their own lives, and in the lives of those around them.
Offered by the National Catholic School of Social Work (NCSSS) at The Catholic University of America, the online MSW is open to students from a variety of backgrounds. The program embraces a vision of creating sustainable, equitable, and diverse communities committed to universal human rights, and social and economic justice, backed by biblical principle. And thanks to the program's prestige, a master's degree in social work from The Catholic University of America will help you stand out amongst your peers.
Catholic University offers one of the top social work programs in the country. Our program is ranked #52 by U.S. News & World Report, and Social Work Degree Guide named Catholic University the best Christian college for social work. The online MSW degree program is accredited by the Council on Social Work Education (CSWE), the sole accrediting agency for social work education in America.
The program offers two tracks for students from several academic backgrounds:
According to the CSWE's 2013 Annual Statistics on Social Work Education in the United States, advanced generalist MSW programs are the second most common type of MSW program. Data from the CSWE also reveals that advanced general practice is the fastest growing area of concentration for MSW programs in the country1. The growth of the advanced generalist concentration is largely due to the growing need for social work practitioners who can move freely among professional roles and functions in order to meet the dynamic and complex needs of those they serve. The advanced generalist social worker is one who:
The Catholic University's online Advanced Generalist MSW prepares students to master multi-faceted roles for practice with individuals, families, groups, organizations, and communities within diverse systems and settings. Our graduates engage the community as clinicians, group facilitators, supervisors, community organizers, advocates, and policy analysts. Through a set of elective choices, you may also gain specialized knowledge in an area important to your career goals or geographic locale. The concentration is well suited for practice in underserved rural, suburban, and urban communities.
The advanced generalist track will help you develop the following skills:
The online Master of Social Work's mission is to prepare graduate students for professional advanced practice in becoming leaders through the provision of social work services that promote social and economic justice, and human rights locally, nationally and globally. The program further expects graduates to contribute to the empowerment of people/groups that experience discrimination and oppression.
The Catholic University of America's innovative Advanced Standing online MSW program is designed for students who have completed a BSW degree from a CSWE-accredited program.
In addition to holding a bachelor's degree in social work from a CSWE-accredited program, advanced standing MSW requirements include:
All students accepted into the program with advanced standing status will take an online transition course prior to beginning the MSW curriculum. This course is designed to prepare you for the transition from undergraduate to graduate social work education, strengthen your theory of social work practice, and create a sense of community among advanced standing students.
If you do not hold a BSW degree, you may be interested in our MSW with a clinical practice concentration.
Build upon your existing understanding of social work practice and learn advanced methods for engaging, assessing, intervening with and evaluating individuals, families, groups, organizations and communities. Our program prepares you be a leader in advanced clinical social work practice, serving all population including the elderly, military personnel, members of the workforce, and peoples and groups that experience discrimination and oppression.
The Catholic University of America's advance standing courses explore:
Throughout the comprehensive program, the online Master of Social Work curriculum will cover a wide range of topics relating to social work and human behavior. The practice and profession of social work is covered in detail, including the ethical issues, societal and personal influences, incorporating and utilizing theory into practice, growth strategies, and more.


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For use in birds:
• as a flavorful alternative to Adult Lifetime Formula.
• that need help in diet conversion.
• that have been diagnosed with papillomatosis.
• as foraging treats.
• as a year-round nutritional requirements for healthy, non-breeding adult birds including pionus, Amazons, eclectus, large cockatoos, large macaws and other medium to large parrots.
In order to optimize the content of essential fatty acids (omega-3 and omega-6), carotene and natural vitamin E we recommend mixing 450 g Harrison Bird Food with Palmgloss . Please pour 10 ml Palmgloss into the newly opened food bag. Mix well with a spoon until everything is evenly distributed.
Close the bag well after feeding and store it in the fridge. The food should be consumed within 6 – 8 weeks after opening.
For lories, please soak the food with 2 table spoons of fruit juice or lory nectar. Additionally, please feed Juvenile Formula as powder or mixed with water.
Included in delivery: 1 bag of food (450 g)
Suitable for: Amazons, Eclectus, Macaws, Cockatoos and birds of similar size
Purpose: Maintenance Formula for adult birds
Additional information to this product:
With this nutrition is available after more than 10-year old development and research one balanced nutrition, which is adapted with their content at vitamins, mineral materials and trace elements optimally to the needs of the parrots and parakeets. The components of Dr. Harrisons nutrition come from controled cultivation.
Dr. Harrisons nutrition is manufactured in a particularly careful extruding procedure. Therefore the structure of the grains and their original color remain. Dr. Harrisons nutrition is characterised by a balanced relationship of protein, carbohydrate and fat content and is easily digestible. Therefore it is suitable also as diet for organically ill parrots or birds, whose metabolism is damaged.
Dr. Harrisons nutrition is enriched with vitamins and mineral materials, but:
· without pesticides
· without insecticides
· without herbicides
· without mushrooms and mushroom poisons
· without artificial coloring materials
· without artificial flavour materials
· without preservatives
· without antioxidants
Hint: Read more about nutrition: click here>>
Hint: Hear & see more about nutrition:
For grey parrots as well as birds, wich breed, moult or are younger than 5 months we recommend Dr. Harrisons breeding nutrition.
Click here for breeding nutriton>>
Basic price: 100 gram = 2,37 Eur (price incl. statutory VAT excl. shipping)
>>As there were not yet all declarations of weight entered in the system, there can be deviant forwarding costs compared to the declaration in the shoping cart.
This chart shows the forwarding expenses and the forwarding weight. Please consider: The package weight is additionally to the product weight. Product specific there can be variations at the forwarding expenses, because the forwarding provider (e.g. GLS) transports smaller packages at a reduced rate.
The forwarding options "German Logistics Systems (GLS)", "Forwarding expenses according to packageweight / best price" only refer onto the forwarding within Germany. Forwarding into other european countries always causes upper forwarding expenses.
The delivery of forwarding goods, ie cages and aviaries, is carried out "free to road curb" as usual in the haulage industry.
Forwarding expenses table Germany: Free shipping starts from 69 Eur order total within Germany (except aviaries and cages) - with some promotions the threshold of free of forwarding costs may vary *...
Starting from 150Kg, a delivery in several packages at prices according to the list above.
Island surcharge: 13,95 - 25,00 €
* Valid only within Germany and excluding cages and aviaries! Does not apply to phone orders or orders via e-mail.
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- Payment in cash at the time of collection
- Prepayment via transfer
- Payment via PayPal
- Payment via Sofortüberweisung [immediate transfer]
- Payment via amazon payments
- Cash payment on self pickup (each customer has the free option of picking up ordered goods)
In case of questions, please contact us at the contact details mentioned in the Legal Notice.
Customers, who order regularly with us receive the status "Regular Customer". Then you have the possibility, to use the direct debiting system for the payment of your order. Therefor you have to name your bank details at the completion of your order. For your security all information will be transmitted by the save SLL cryptographic technique. So there is no risk for you and no additional charges.
- safe shopping


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Impact of the World Economy
Impact of the World Economy
Today, virtually every country in the world is affected by what happens in other countries. Some of these effects are a result of political events, such as the overthrow of one government in favor of another or one currency over another. But a great deal of the interdependence among the nations is economic in nature, based on the production and trading of goods and services.
One of the most rapidly growing and changing sectors of the U.S. economy involves trade with other nations. In recent decades, the level of goods and services imported from other countries by U.S. consumers, businesses, and government agencies has increased dramatically. But so, too, has the level of U.S. goods and services sold as exports to consumers, businesses, and government agencies in other nations. This international trade and the policies that encourage or restrict the growth of imports and exports have wide-ranging effects on the U.S. economy.
As the nation with the world's largest economy, the United States plays a key role on the international political and economic stages. The United States is also the largest trading nation in the world, exporting and importing more goods and services than any other country. Some people worry that extensive levels of international trade may have hurt the U.S. economy, and U.S. workers in particular. But while some firms and workers have been hurt by international competition, in general economists view international trade like any other kind of voluntary trade: Both parties can gain, and usually do. International trade increases the total level of production and consumption in the world, lowers the costs of production and prices that consumers pay, and increases standards of living. How does that happen?
All over the world, people specialize in producing particular goods and services, then trade with others to get all of the other goods and services they can afford to buy and consume. It is far more efficient for some people to be lawyers and other people doctors, butchers, bakers, and teachers than it is for each person to try to make or do all of the things he or she consumes.
In earlier centuries, the majority of trade took place between individuals living in the same town or city. Later, as transportation and communications networks improved, individuals began to trade more frequently with people in other places. The industrial revolution that began in the 18th century greatly increased the volume of goods that could be shipped to other cities and regions, and eventually to other nations. As people became more prosperous, they also traveled more to other countries and began to demand the new products they encountered during their travels.
The basic motivation and benefits of international trade are actually no different from those that lead to trade within a nation. But international trade differs from trade within a nation in two major ways. First, international trade involves at least two national currencies, which must usually be exchanged before goods and services can be imported or exported. Second, nations sometimes impose barriers on international trade that they do not impose on trade that occurs entirely inside their own country.
U.S. Imports and Exports
U.S. exports are goods and services made in the United States that are sold to people or businesses in other countries. Goods and services from other countries that U.S. citizens or firms purchase are imports for the United States. Like almost all of the other nations of the world, the United States has seen a rapid increase in both its imports and exports over the last several decades. In 1959 the combined value of U.S. imports and exports amounted to less than 9 percent of the country's gross domestic product (GDP); by 1997 that figure had risen to 25 percent. Clearly, the international trade sector has grown much more rapidly than the overall economy.
Most of this trade occurs between industrialized, developed nations and involves similar kinds of products as both imports and exports. While it is true that the U.S. imports some things that are only found or grown in other parts of the world, most trade involves products that could be made in the United States or any other industrialized market economies. In fact, some products that are now imported, such as clothing and textiles, were once manufactured extensively in the United States. However, economists note that just because things were or could be made in a country does not mean that they should be made there.
Just as individuals can increase their standard of living by specializing in the production of the things they do best, nations also specialize in the products they can make most efficiently. The kinds of goods and services that the United States can produce most competitively for export are determined by its resources. The United States has a great deal of fertile land, is the most technologically advanced nation in the world, and has a highly educated and skilled labor force. That explains why U.S. companies produce and export many agricultural products as well as sophisticated machines, such as commercial jets and medical diagnostic equipment.
Many other nations have lower labor costs than the United States, which allows them to export goods that require a lot of labor, such as shoes, clothing, and textiles. But even in trading with other industrialized countries—whose workers are similarly well educated, trained, and highly paid—the United States finds it advantageous to export some high-tech products or professional services and to import others. For example, the United States both imports and exports commercial airplanes, automobiles, and various kinds of computer products. These trading patterns arise because within these categories of goods, production is further specialized into particular kinds of airplanes, automobiles, and computer products. For example, automobile manufacturers in one nation may focus production primarily on trucks and utility vehicles, while the automobile industries in other countries may focus on sport cars or compact vehicles.
Greater specialization allows producers to take full advantage of economies of scale. Manufacturers can build large factories geared toward production of specialized inventories, rather than spending extra resources on factory equipment needed to produce a wide variety of goods. Also, by selling more of their products to a greater number of consumers in global markets, manufacturers can produce enough to make specialization profitable.
The United States enjoyed a special advantage in the availability of factories, machinery, and other capital goods after World War II ended in 1945. During the following decade or two, many of the other industrial nations were recovering from the devastation of the war. But that situation has largely disappeared, and the quality of the U.S. labor force and the level of technological innovation in U.S. industry have become more important in determining trade patterns and other characteristics of the U.S. economy. A skilled labor force and the ability of businesses to develop or adapt new technologies are the key to high standards of living in modern global economies, particularly in highly industrialized nations. Workers with low levels of education and training will find it increasingly difficult to earn high wages and salaries in any part of the world, including the United States.
Barriers to Trade
Despite the mutual advantages of global trade, governments often adopt policies that reduce or eliminate international trade in some markets. Historically, the most important trade barriers have been tariffs (taxes on imports) and quotas (limits on the number of products that can be imported into a country). In recent decades, however, many countries have used product safety standards or legal standards controlling the production or distribution of goods and services to make it difficult for foreign businesses to sell in their markets. For example, Russia recently used health standards to limit imports of frozen chicken from the United States, and the United States has frequently charged Japan with using legal restrictions and allowing exclusive trade agreements among Japanese companies. These exclusive agreements make it very difficult for U.S. banks and other firms to operate or sell products in Japan.
While there are special reasons for limiting imports or exports of certain kinds of products—such as products that are vital to a nation's national defense—economists generally view trade barriers as hurting both importing and exporting nations. Although the trade barriers protect workers and firms in industries competing with foreign firms, the costs of this protection to consumers and other businesses are typically much higher than the benefits to the protected workers and firms. And in the long run it usually becomes prohibitively expensive to continue this kind of protection. Instead it often makes more sense to end the trade barrier and help workers in industries that are hurt by the increased imports to relocate or retrain for jobs with firms that are competitive. In the United States, trade adjustment assistance payments were provided to steelworkers and autoworkers in the late 1970s, instead of imposing trade barriers on imported cars. Since then, these direct cash payments have been largely phased out in favor of retraining programs.
During recessions, when national unemployment rates are high or rising, workers and firms facing competition from foreign companies usually want the government to adopt trade barriers to protect their industries. But again, historical experience with such policies shows that they do not work. Perhaps the most famous example of these policies occurred during the Great Depression of the 1930s. The United States raised its tariffs and other trade barriers in legislation such as the Smoot-Hawley Act of 1930. Other nations imposed similar kinds of trade barriers, and the overall result was to make the Great Depression even worse by reducing world trade. In today's recession, President Obama has brought economic onto his committee to help reverse the negative effects of the recession.
World Trade Organization (WTO) and Its Predecessors
As World War II drew to a close, leaders in the United States and other Western nations began working to promote freer trade for the post-war world. They set up the International Monetary Fund (IMF) in 1944 to stabilize exchange rates across member nations. The Marshall Plan, developed by U.S. general and economist George Marshall, promoted free trade. It gave U.S. aid to European nations rebuilding after the war, provided those nations reduced tariffs and other trade barriers.
In 1947 the United States and many of its allies signed the General Agreement on Tariffs and Trade (GATT), which was especially successful in reducing tariffs over the next five decades. In 1995 the member nations of the GATT founded the World Trade Organization (WTO), which set even greater obligations on member countries to follow the rules established under GATT. It also established procedures and organizations to deal with disputes among member nations about the trading policies adopted by individual nations.
In 1992 the United States also signed the North American Free Trade Agreement (NAFTA) with its closest neighbors and major trading partners, Canada and Mexico. The provisions of this agreement took effect in 1994. Since then, studies by economists have found that NAFTA has benefited all three nations, although greater competition has resulted in some factories closing. As a percentage of national income, the benefits from NAFTA have been greater in Canada and Mexico than in the United States, because international trade represents a larger part of those economies. While the United States is the largest trading nation in the world, it has a very large and prosperous domestic economy; therefore international trade is a much smaller percentage of the U.S. economy than it is in many countries with much smaller domestic economies.
Exchange Rates and the Balance of Payments
Currencies from different nations are traded in the foreign exchange market, where the price of the U.S. dollar, for instance, rises and falls against other currencies with changes in supply and demand. When firms in the United States want to buy goods and services made in France, or when U.S. tourists visit France, they have to trade dollars for French francs. That creates a demand for French francs and a supply of dollars in the foreign exchange market. When people or firms in France want to buy goods and services made in the United States they supply French francs to the foreign exchange market and create a demand for U.S. dollars.
Changes in people's preferences for goods and services from other countries result in changes in the supply and demand for different national currencies. Other factors also affect the supply and demand for a national currency. These include the prices of goods and services in a country, the country's national inflation rate, its interest rates, and its investment opportunities. If people in other countries want to make investments in the United States, they will demand more dollars. When the demand for dollars increases faster than the supply of dollars on the exchange markets, the price of the dollar will rise against other national currencies. The dollar will fall, or depreciate, against other currencies when the supply of dollars on the exchange market increases faster than the demand.
All international transactions made by U.S. citizens, firms, and the government are recorded in the U.S. annual balance of payments account. This account has two basic sections. The first is the current account, which records transactions involving the purchase (imports) and sale (exports) of goods and services, interest payments paid to and received from people and firms in other nations, and net transfers (gifts and aid) paid to other nations. The second section is the capital account, which records investments in the United States made by people and firms from other countries, and investments that U.S. citizens and firms make in other nations.
These two accounts must balance. When the United States runs a deficit on its current account, often because it imports more that it exports, that deficit must be offset by a surplus on its capital account. If foreign investments in the United States do not create a large enough surplus to cover the deficit on the current account, the U.S. government must transfer currency and other financial reserves to the governments of the countries that have the current account surplus. In recent decades, the United States has usually had annual deficits in its current account, with most of that deficit offset by a surplus of foreign investments in the U.S. economy.
Economists offer divergent views on the persistent surpluses in the U.S. capital account. Some analysts view these surpluses as evidence that the United States must borrow from foreigners to pay for importing more than it exports. Other analysts attribute the surpluses to a strong desire by foreigners to invest their funds in the U.S. economy. Both interpretations have some validity. But either way, it is clear that foreign investors have a claim on future production and income generated in the U.S. economy. Whether that situation is good or bad depends how the foreign funds are used. If they are used mainly to finance current consumption, they will prove detrimental to the long-term health of the U.S. economy. On the other hand, their effect will be positive if they are used primarily to fund investments that increase future levels of U.S. output and income.
Impact of the World Economy
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Opening a New Assisted Living Facility
How to Set Up and Open a New Assisted Living Facility
Want to open a business that targets one of the fastest growing global market? If you're opening a new assisted living facility to serve seniors, you're on the right track.
Are you interested for the money or helping older people?
The reasons for serving this segment are personal and fit your needs to provide an honorable assistance to the local community, or are you entering the assisted living business because it's a great way to tap into a booming sector of business and secure a sound investment?
You'll need both reasons but, before you commit, know what you're getting into.
Assisted Living Facts
Older adults present an opportunity for entrepreneurs, but the senior living industry is swelling to match the demands. The industry includes many forms of living options; retirement housing with minimal medical support to full-blown nursing homes.
There are (estimated) 38,000 assisted living centers, 17,000 nursing homes, 2,200 "continued care retirement communities" and hundreds more "independent living" residences in the U.S., according to the National Investment Center for the Seniors Housing and Care Industries.
Thirty-seven percent of residents were receiving assistance with three or more activities of daily living and 42 percent had Alzheimer's disease or other dementias. Thirty-nine percent of communities provided skilled nursing services by registered nurses or licensed practical nurses and 13 percent of residents received these services. In this National Center for Assisted Living study, researchers found that 19 percent of residents received Medicaid funding.
The United States senior citizens will account for 20% of the nation's total population by 2030, up from just 12.4% in 2000. By 2050, the number of U.S. citizens aged 85 and over could quintuple, to 21 million. The senior-aged group will explode.
If you have talent for real estate development or health care and like giving older adults a helping hand and more, then senior living is for you.
A First Step
Assisted living is in demand now but in several years, it'll be over the top. A drawback to the senior housing industry, from a business owner perspective, the business is challenging to get off the ground.
Operational manuals and close examination of data are essential tools to review before writing a business plan. Without scrutiny, you'll make costly, new venture mistakes that could terminate the business. More on this topic later in the article; we'll also look at government regulations and close inspections, hiring issues, and family expectations that question your sincere intentions.
Get help - but not from the government or friends and family initially, but ask for help from someone who's in the assisted living business. Make certain the person you ask for help is successful in the industry.
It's a good idea to get a job or volunteer time at a facility for at least a year to see if you enjoy the work and the people involved. You'll get to see how things work, the rewards, and the problems. After the year is up, you may run to the bank for money to open your assisted living home, but you might just run. So, get experience and be involved first.
You have several options in choosing a senior living facility to work with or to volunteer time. You could start visiting an assisted living facility with 75 to 100 residents, and a smaller one operated in a small private home that cares for 5 to 7 residents.
Get a part-time job as a caregiver, unless you are a licensed or registered nurse. Working in a facility, you'll learn a lot about the operations. Remember that the marketing aspect of owning a facility is very important.
No degree required, but there are certification programs to better prepare you to run one. Check with your state on available programs. Check with your local Alzheimer's Association and AARP business office for caregiving training. Both are good resources.
Owning and operating an assisted living facility requires knowledge. Some owners have nursing or nursing home administration backgrounds.
Questions to ask a current assisted living owner
- Why did you get involved in senior living?
- What other options did you consider?
- What do you regret now about your decision to open a facility?
- What would you do differently, in hindsight?
- What keeps you up at night?
- What skeletons uncovered in the assisted living business that you worried about?
- How do you get referrals and make the phone ring? Define your target audience?
- How did you learn about the demographics (in your area) of the target audience?
- How did you hire your staff? What types of training needed for us; the staff and me, a potential owner?
- What complaints do you hear?
- Find ways to learn the revenue history of the business.
- Find out how much money flows in and out of the business each day, week, month and year.
- Find out if the senior living owner is aware of past, current or potential legal disputes related to the business operations.
- Find out the types of insurance needed.
- What is your exit strategy?
First Step, Part B
Know the Federal and State Licensing Procedures
You've done the due diligence from working at a facility or volunteering for one, now it's time to get federal and state licensing knowledge.
Even though federal laws impact assisted living, oversight of assisted living occurs at the state level. More than two-thirds of the states use the licensure term "assisted living." The second most used term is "residential care." Other licensure terms are basic care facility, community residence, enriched housing program, home for the aged, personal care home, and shared housing establishment.
The National Center for Assisted Living State Policy Developments in 2012 and 2013
18 States Reported Regulatory Changes
Policies impacting assisted living and residential care communities from January 2012 through January 2013 showed eighteen states reported regulatory changes. Among those states are: Colorado, Georgia, Michigan, Missouri, New Jersey, New York, Ohio, Oregon, and Washington.
These states continue to design new models for surveys:
- Expanding disclosure and reporting requirements
- Addressing life safety and infection control issues
- Allowing increased delegation of medication administration to non-nurse staff
New Jersey and Colorado joined the small number of states with innovative survey approaches to help target resources. New Jersey's Department of Health (DOH) collaborated with The Health Care Association of New Jersey Foundation to create a voluntary program called Advanced Standing. The state also performs follow-up surveys based on a random sample.
In January 2013, Colorado conducts risk-based re-licensure inspections for assisted living residences (ALRs), initially on a pilot basis. Under the new system, the meeting criteria specified in the law will be eligible for an extended survey cycle.
In 2012, Michigan began a new renewal inspection system.
After creating an additional level of licensure for assisted living communities a year earlier, Georgia updated rules for personal care homes in January 2013, including new requirements for additional staff training, staffing above minimal standards, and a resident needs assessment upon move-in.
Effective in January 2013, New York adopted rules stating that no adult home with capacity of 80 residents or greater may admit or retain more than 25 percent census of residents with serious mental illness.
Several states made changes to policies and rules for care provided to residents receiving Medicaid services, some to accommodate managed care contracting. In 2012, the state of Washington changed its licensure term to "assisted living facility" from the outdated "boarding home."
Oregon requires facilities to adopt policies for the treatment or referral of acute sexual assault victims.
Contact Your State Licensing Agency
Every state is different in licensing terms. You're encouraged to contact the identified state agencies and to obtain copies of the regulations in their entirety if you desire more detailed information. The general terms and requirements are different for all states - the following list is purely an example of what you will find and can expect.
- Licensure Term - Assisted Living Facilities and Specialty Care Assisted Living Facilities
- Facility Scope of Care - Assistance with activities such as bathing, oral hygiene, and grooming. A facility must provide general observation and health supervision of each resident to develop awareness of changes in health condition and physical abilities and awareness of the need for medical attention or nursing services.
- Third Party Scope of Care - Home health services by a certified home health agency and hospice care delivered by a licensed hospice agency.
- Move-In/Move-Out Requirements - To be admitted to an assisted living facility, residents may not require restraints or confinement; require limitations on egress from the facility; be unable, because of dementia, to understand the unit dose medication system in use by the facility; or have chronic health conditions requiring extensive nursing care, daily professional observation, or the exercise of professional judgment from facility staff.
- Resident Assessment - Each resident must have a medical examination before entering an assisted living facility and a plan of care developed by the facility and the resident and, if appropriate, the sponsor. There is certain information that's in the plan of care, but there is no required standard form.
- Medication Management - A resident may either manage, keep, and self-administer his or her own medications or receive assistance with the self-administration of medication by any staff member. Medications managed and kept under the custody and control of the facility shall be unit-dose packaged. In specialty care assisted living facilities that care for residents with dementia, medication be administered by a registered nurse (RN), licensed practical nurse, or an individual licensed to practice medicine or osteopathy by the Medical Licensure Commission of THE STATE.
- Physical Plant Requirements - Private resident units require a minimum of 80 square feet, and double occupancy resident units require a minimum of 130 square feet. Look to YOUR STATE for guidelines.
- Residents Allowed Per Room - A maximum of two residents allowed per resident unit.
- Bathroom Requirements - Shared resident rooms may have common toilets, lavatories, and bathing facilities. When shared, the minimum requirements include (at least one of the following): one bathtub or shower for eight residents; one lavatory for six residents; and one toilet for six residents.
- Life Safety - EACH state has one or two types of licensed assisted living facilities for the elderly: standard assisted living facilities and specialty care assisted living facilities for residents with dementia or Alzheimer's symptoms. Check with your state to get the full description and categories.
- Alzheimer's Unit Requirements - Facilities that are not licensed as specialty care facilities may neither admit nor retain residents with severe cognitive impairments and may not advertise themselves as a "Dementia Care Facility," an "Alzheimer's Care Facility," or as specializing in or being competent to care for individuals with dementia or Alzheimer's disease.
- Staff Training for Alzheimer's Care - All staff having contact with residents in assisted living facilities and specialty care dementia units must receive training on specific topics before having any resident contact and must have at least six hours of continuing education annually. Every state is different; please check with your state on requirements.
- Staffing Requirements - Required staffing include: an administrator and personal care staff as needed to provide adequate care and promote orderly operation of the facility.
- Specialty care assisted living must have an administrator, a medical director, at least one RN, and a unit coordinator. Specialty care assisted living must have at least two staff members on duty 24 hours-a-day, seven days a week, and must, at a minimum, meet the staffing ratios specified in regulation. Check with your state for specific requirements.
- Administrator Education/Training - Administrators have a license by the STATE Board of Examiners of Assisted Living Administrators. Check with your state.
- Staff Education/Training - In an assisted living facility, staff having contact with residents including the administrator must have required initial training and refresher training as needed. In a specialty care assisted living facility, each staff member must have initial training in the basics and complete the Dementia Education and Training. Check with your state.
- Continuing Education (CE) Requirements - YOUR State Board of Health rules require administrators to complete six hours of continuing education per year. The STATE Board of Examiners of Assisted Living Administrators requires 12 hours of continuing education for licensed administrators of assisted living facilities and 18 hours of continuing education for licensed administrators of specialty care assisted living facilities.
The list illustrates what's expected. All states are different in requirements.
State by State Summary of 1012 Legislative & Regulatory Changes
A state-by-state summary of 2012 legislative and regulatory changes and copies of NCAL Assisted Living State Regulatory Review are available on NCAL's web site at: www.ncal.org. Karl Polzer, NCAL Senior Policy Director.
To view and get your state-by-state licensure terms, staff training requirements, administrator education and training, continuing education requirements, Alzheimer's training and unit requirements, life safety requirements and physical plant requirements, Read NCAL.
To be eligible to provide assisted living services and receive reimbursement for them, a provider agency must meet eligibility criteria. Rules regarding program and contracting requirements are found on your state website.
Do a web search using the following term: (your state name) licensure for assisted living facility in US. The needed information is given.
There are ALF consultants you can hire, if you need help with the process of starting a new facility. They have the tools to teach owners & and staff on how to best care for residents, help you with government paperwork, state licensing, senior living guidance and how to stand out from the local competition.
- Contact YOUR State Licensing body to learn the application process
- Learn the Appropriate State Regulations and Requirements to becoming an Assisted Living Facility. (link to regulations page)
- Contact the State Licensing body to learn the application process
Read Senior Care Mike Realty on Opening a Facility
After seven years of helping her aging parents, Carol Marak has become a dedicated senior care writer. Since 2007, she has been doing the research to find answers to common concerns: housing, aging and health, staying safe and independent, and planning long-term.
- What is Assisted Living?
- Who Lives in Assisted Living?
- Services Provided
- Staff and Administration
- Quiz: What type of care is right for me?
- Talking to a Parent
- Assisted Living Costs
- Ways to Pay for Assisted Living
- Putting Together a Financial Plan
- If You Can't Afford Assisted Living
- Planning Your Social Security to Better Pay for Retirement
- Prescription Drug Assistance
- Choosing an Assisted Living Facility
- Moving Out of the Family Home
- Moving Into an Assisted Living Community
- Resident Activities
- Resident Health
- Medication Management and Adherence Education
- Safety
- How Tech Advanced are Facilities?


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This post may contain affiliate links. Read my full disclosure policy here.
However, the potential to learn a new skill, or the thought of starting a new project was enough to get my creativity, and all around positivity going again, so I buried myself in all sorts of indoor activities. I learned how to knit, decorate cakes, and even pulled out the cross-stitch sampler I started way back in high school to work on bit by bit until Spring arrived.
An afternoon of creating with a few re-runs of HGTV playing in the background was enough to snap me out of a seasonal depression for the most part, and gave my hands, and my mind, something else to focus on instead of my surroundings.
If you find yourself in a similar spot {especially if you're buried under all that snow Northerners keep having!}, here are 8 digital guides to help you discover an old, or completely new hobby. The best part? They're completely free!
1. Cake Decorating
Download Here: Not-So-Basic Buttercream Decorating Ideas
This guide features 22 pages of tips, tricks and recipes from professional cake decorators. You'll learn how to pipe pretty flowers, make foolproof buttercream, and unlock your creativity to create gorgeous designs.
2. Food & Cooking
Download Here: Delicious Doughnut Recipes You Can Make at Home
From decadently glazed doughnuts to deliciously healthy baked, you'll learn everything you need in these 35 pages to master the ultimate breakfast pastry.
3. Paper Crafts
Download Here: 6+ Stash-Busting Paper Craft Projects
In this 24-page guide, you'll learn how to transform your paper stash into Pinterest-worthy projects, including how to make your own scrap embellishments.
4. Drawing
Download Here: Drawing the Human Face: A Primer
Whether you're an artistic beginner or more advanced sketch artist, these tips and tricks for drawing a realistic human face will take your artwork to the next level.
5. Painting
Download Here: Beginner's Guide to the World of Watercolor
Learn how to bring sketches to life with an expert fashion designer and freelance illustrator who will show you how to choose paper, build a color palette, and manipulate color transparency for stunning watercolor creations.
6. Gardening
Download Here: Success With Container Gardening
No matter how small your space, you can get started with container gardening right away. From step-by-step potting instructions, to the best plants suited for containers, you'll learn everything you need to know to become an expert green thumb in this 17-page guide.
7. Woodworking Basics
Download Here: Woodturning Basics for Beginners
This 17-page guide is loaded with expert tips and tricks to create your first woodturning project today. You'll learn the ABCs of woodturning, crucial safety tips, and how to keep your tools sharp and precise.
8. Beginner Photography
Download Here: Understanding Exposure for Better Photos Now
This 16-page guide is loaded with step-by-step tutorials to help you create breathtaking photos. You'll learn the 3 main components of manual mode, and how to manipulate depth of field for a stunning effect.
As if these free guides weren't cool enough, there is a unique discount for a coordinating Bluprint class tucked inside each one — Just in case you wanted to take your skills even further!
If you would love some encouragement in discovering those creative roots inside all of us, my friend Michelle from Elegance and Enchantment has a pretty sweet Creative Challenge going on right now. You can learn more about it HERE, and be sure to join her Facebook group to see all the wonderful projects the community there is creating!
What new skill would you love to learn?
Disclosure: Some of the links in the post above are affiliate links. This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. Read my full disclosure policy here.


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How is your week so far?
I am trying to take it easy…
so far the only activity was walking the dog this morning. But I need to say it was pretty refreshing.
I am still trying to follow my new diet to heal my gut so on today's menu: Vegan Tempeh crock pot dish
You will need:
1 block of tempeh & any veggies you would like
Marinate tempeh in 1 tbsp of gluten free Tamari, 1 tsp turmeric, cumin, cinnamon, black pepper, crushed red pepper flakes.
Place on the bottom of your crock pot, add 1tbsp Apple Cider Vinegar, 1/2 c organic vegetable broth, and add remaining chopped veggies: celery, red. orange pepper; zucchini, asparagus, some garlic, kale leafs, parsley, carrots you name it. Cover and cook on High for 4 h. Sit down on the couch and relax.
I love my new friend (crock pot). The funny thing is that I didn't know it even exists until my Chinese medicine guy told me about it. Meat, veggies everything is so tender and you don't have to spend so much time in your kitchen. The only concern I have is that I can easily eat all my dish by myself. It's so easy and I don't feel so full after. So be careful;)!!!
After 4 hours it's done. I added some fresh herbs, avocado and nutritional yeast, and maybe a little bit of hot sauce.
Enjoy and let me know how you like it.


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Our commitment to outstanding representation and client service begins with our careful selection of the people with whom we work. Our firm promises a challenging, rewarding work environment that will allow you to use your training and experience to it fullest. Our partners, associates and support staff will welcome you to the fulfilling adventure that is the art of law as it is practiced here.
Please return here often to explore specific information about opportunities at the partnership, associate and support staff levels or send us a resume at [insert firm info e-mail address] so that we may speak about any specific openings for which you may be qualified.