Monday, December 10, 2012

Multi-Generational House Plans and Other Home Design Trends for 2012

America's economic slump has had a significant influence on home designs. Before the Great Recession hit, lavish "McMansions" were popular. In contrast, many of today's homebuyers are looking for small house plans that can help them minimize heating costs as well as their mortgage payments. Flexibility is another "must have" in family house plans. With new appreciation for economic unpredictability, many Americans have abandoned the idea of upgrading to larger homes as their families grow. Instead, multi-generational house designs are gaining in popularity, since these flexible family home plans can easily sustain a new baby, a returning graduate, or an aging parent.

Another reason why multi-generational house plans are trendy at the moment is that Americans' life expectancy is longer than ever. Hoping to live comfortably in their own homes as long as possible (rather than being hauled off into a nursing home), many homebuyers are thinking ahead and looking for family home plans that are designed for people of all ages and physical abilities.

Here are a few more top home design trends for 2012.

1. Bigger garages - but not for cars.

Designers of family home plans are favoring larger garages, but not for the reason you might expect. Rather than storing an extra set of wheels, Americans are using these larger garages as "flex space," for storage or living space, as needed. For instance, while one family may choose to store clutter in the extra garage space, another may transform an extra garage bay into a "man cave" den, where Dad and his buddies can hang out. Ultimately, additional space in the garage is appealing to modern buyers because it can quickly be shifted to alternative purposes if needed.

2. Accessibility for all Age Groups.

A new survey conducted by the American Institute of Architects found that almost half of American architects rank accessibility as a growing preference among homeowners. Multi-generational house plans designed for age-in-place comfort often feature attributes such as:

-No-twist faucet handles, to avoid arthritic pain. These faucets are activated through a lifting action that completely avoids the wrist pain that is so common among older Americans.

-Minimizing stairs. Because stairs can be difficult or even impossible for seniors to navigate, many multigenerational home plans are designed on a single level.

-Bars to provide stability in slippery spaces, such as bathrooms.

Because such features are appealing to a broad swath of homeowners, family house plans that feature universal design often maintain a high property value over time.

3. Multiple Master Suites.

Small home designs don't have to feel cramped. Architects are creating multiple family arrangements within in the same home to provide a comfortable living arrangement for different generations of residents. For instance, rather than having all living spaces connected, a separate bathroom/bedroom/kitchenette suite in the back of a home can be accessed through a separate entrance. This preserves family members' privacy.

4. "Command Centers" within other rooms.

Back in the nineties, family house plans often included a distinct office area. Today, in contrast, the popularity of small home plans inspire such work zones to be located within other rooms. As an example, a designer may feature a kitchen nook with a desk, bookcase, and paper storage area for bills. That way, Dad can keep an eye on dinner while doing the family finances.

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Mothers - Then and Now

I still remember the day when my mother, who gave birth to eight children in all, brought one of my younger siblings into this world.

As usual, in the windy morning, she was sweeping the courtyard after preparing and serving breakfast to father and to her five children. Heaping the withered leaves and twigs she had swept off the courtyard under the huge tamarind tree, she panted for a while. As if suddenly remembering an important appointment she hastily gathered the litter in a wicker tray and emptied it into the waste pit before swinging into action.

Hastily she changed into an old sari, settled dispute between two of her children and my elder siblings before seeing them off to school and waited for the mid-wife, who delivered most of the children of the locality, including two of her own children, myself included, earlier. This was how most of the mothers delivered their babies even in town suburbs those days -without any hullabaloo and attention-gathering.

A week or so after delivering a child mother would be back to her normal self. Sometimes grandmother would be around offering her a helping hand and telling us bedtime stories. In due course, the new member of the family would become the hub of everyone's attention and thus we all shared mother's obligation of taking care of the baby.

Mother might be a great inspiration to modern day designers of domestic robots. I have never seen mother lying on bed asleep or sick those days. Her typical day would start with caring the fowls, cackling in the wooden cage, in the early morning. She would have completed a variety of chores before a second one from the house, father included, ever got up from bed that would be a nightmare to most of the domestic helps of modern day. Setting free the birds from the stinking cage and feeding them, she would clean the cowshed, fill the manger with paddy straw and milk the animal before sizing the fire wood logs and lighting up the hearth for preparing breakfast.

Her morning routine in the kitchen, like grating coconut or grinding coconut with green chilli on the stone pestle for making delicious chutney for the breakfast, would waken up the children one by one. Sometime later, amid helping the tiny ones to bathe and dress, she would serve breakfast to everyone and in a while the children would join the neighbourhood children for a walk to the nearby school.

After exchanging morning pleasantries with neighbours while cleaning utensils and washing clothes by the well side she would start preparing the afternoon meals for the children. She would try a variety of curries everyday by varying the combination of spices in her wooden spice box before finely grinding them on the stone pestle. Mother had neither heard of ready-made masala mix available in the market place nor used any pre-powdered spices for preparing the meal. In between, some neighbourhood woman would turn up for sharing a gossip or an event that occurred or about to occur in the surroundings which would give the thrill of watching a modern day soap on TV.

At lunch time, while patiently listening to the happenings of the forenoon at school from the children, she would serve them hot meal. And after the children went back to school having eaten mother's delicious food, she might show up for a while at the courtyard to discuss with the neighbourhood women, who would have by then gathered under the neem tree across the street.

Topics ranging from recipes, cinema, politics and matters published in newspapers would be discussed in addition, of course, to more gossiping. Instead of having an afternoon nap mother believed sharing the mind and talking to the neighbourhood women would keep her informed of things going on in the surroundings.

Also, in the days when wet grinders and mixers were unheard of, mother would prepare dosa and iddli mix in the hand grinder, unendingly spinning the stone, pivoted to the hole by the centre of the circular stone while listening to movie songs on Ceylon radio. Sometimes she would pound raw rice and roast the flour on a broad mud dish and store the powder for making kozha puttu, a delicacy preferred by most of us for breakfast. On holidays mother would try different chores like parboiling paddy in the huge bronze pot, stacking paddy straw, cleaning the house and even collecting grass from the nearby lands for the cow. Mother made the best evening bites in the locality. Her murukku, adirasam and paniyaram, stored in huge biscuit tins during the Deepavali season are mouth-watering even now.

Mother knew almost every individual of the locality including his or her status, thanks to the frequent meet up with the women under the neem tree in the afternoons. Her knowledge on the world then too would challenge that of any modern day housewife.

Amid all her house keeping, mother, like most of the women of the neighbourhoods, had time for movies once in a while at the town cinema theatres, and shopping in the town market places. She was known in the neighbourhoods for her bargaining tactics. She regularly attended our school-day functions as well.

Mother believed in leading a life of co-existence with her neighbours. She would leave the fowls and milch animals under the care of neighbours while visiting grandma or other relatives with family for a few days. Similarly, she would happily look after other's birds and animals when they were away. Mostly, we went together as a family to marriage and other functions in the neighbourhoods.

Gone are the days of such humble and efficient housekeeping. One could imagine the treatment the modern day housewives get from other family members the moment they are confirmed pregnant.

And what happens when the children are ready to go to school? Many houses turn topsy-turvey at the school bus not turning up one morning. How many mothers residing amid the helter-skelter of city lives today know the names of the neighbours let alone getting to know each other?

Besides, modern day mothers are mostly enslaved to the new gadgets in their kitchens and elsewhere. Power failure, an absenting domestic help or the day-to-day affairs of the school children, which hardly controlled the likes of my mother those days, have a high bearing on the daily lives of housewives nowadays.

Today, housewives in urbanised and even in semi-urbanised areas barely get time to talk to other family members constructively. They seem to empathise with imaginary characters from TV soaps than with live characters dwelling around them. Also they prefer to talk to unseen faces over mobile phones for hours against sparing a few minutes to talk to fellow residents.

The tribe of my mother are an endangered lot today. Present generation mothers are lucky if they have a grandma at home recollecting and reminding practices and wisdom of olden days to the present generation mothers now and then.

A week or so after delivering a child mother would be back to her normal self. Sometimes grandmother would be around offering her a helping hand and telling us bedtime stories. In due course, the new member of the family would become the hub of everyone's attention and thus we all shared mother's obligation of taking care of the baby.

Mother might be a great inspiration to modern day designers of domestic robots. I have never seen mother lying on bed asleep or sick those days. Her typical day would start with caring the fowls, cackling in the wooden cage, in the early morning. She would have completed a variety of chores before a second one from the house, father included, ever got up from bed that would be a nightmare to most of the domestic helps of modern day.

After exchanging morning pleasantries with neighbours while cleaning utensils and washing clothes by the well side she would start preparing the afternoon meals for the children. She would try a variety of curries everyday by varying the combination of spices in her wooden spice box before finely grinding them on the stone pestle. Mother had neither heard of ready-made masala mix available in the market place nor used any pre-powdered spices for preparing the meal. In between, some neighbourhood woman would turn up for sharing a gossip or an event that occurred or about to occur in the surroundings which would give the thrill of watching a modern day soap on TV.

Also, in the days when wet grinders and mixers were unheard of, mother would prepare dosa and iddli mix in the hand grinder, unendingly spinning the stone, pivoted to the hole by the centre of the circular stone while listening to movie songs on Ceylon radio.

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What You Need to Know About Florida Long Term Care Insurance

With the array of Long Term Care resources available on the net today, majority is probably aware of the ins and outs of this policy - its scope, limitations and premium costs. However, does everyone know that just like cultures and dialects, LTC varies in every state? The cost of Florida Long Term Care Insurance is different from that of New York or another state. Laws governing health care varies as well and it is the responsibility of the residents of a certain state to be aware of these laws.

What then do residents from Florida need to know about the status of LTC policies in their state? How does it differ from other states, especially in terms of cost? Are there enough good nursing facilities available?

In a study by Genworth, the cost of Florida Long Term Care Insurance is rising faster than inflation. An average yearly amount of USD $82,125 goes to private nursing homes while semi-private homes costs about USD $74,825. The high-end nursing homes, on the other hand, are worth USD $313 and USD $247 daily at the metro areas of Naples and West Palm Beach. Naples, being the most expensive area in Florida for assisted living facilities, costs USD $4,600 monthly. And do you know that the price of private rooms in nursing homes in Florida's four largest regions has risen significantly? Compared to the 2.3% rise in the core CPI in 2005, the following figures appeared for the four regions:

-5% increase in Jacksonville -4% increase in Tampa - St. Petersburg -3% increase in Miami-Fort Lauderdale -3% increase in Orlando

Because of this ever-increasing cost, most residents of this state turn to private LTCi. This is to secure their assets and their families' future.

There are top and trusted insurance companies who are participating in the State Long-Term Care Insurance Partnership Program. This alliance between private LTC companies and the state government is formed to lessen reliance on Medicaid as a source for a person's long term health care needs. This is a good solution that will be beneficial to consumers. If before, one has to use up all their assets before they are eligible for Medicaid, now the case is different. They can instead apply for state long term care partnership programs to assist them. This tie-up also helps the government in saving Long Term Care expenditures which totals to almost one billion dollars yearly.

How then does this partnership work in the state of Florida?

The process is the same with other states that are part of the agreement. Good thing Florida is one of the states that offer partnership policies. Medicaid and private insurance companies tie up to fund Florida Long Term Care Insurance to provide with LTC plans. This partnership also allows individuals to have more chances of qualifying for Medicaid benefits. One great feature of this partnership is the dollar-for-dollar asset protection which allows an insured individual to keep a dollar of his assets for every dollar that his partnership policy pays out in benefits.

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Dog Friendly Hotels in the Peak District

Just because you want to take your dog on holiday with you, doesn't mean you have to slum it in a tent! There are plenty of 3* and 4* hotels in the Peak District that are perfectly happy to accept your four legged friend as a guest.

Here are a selection of some of the dog friendly hotels in the Peak District:

Biggin

Biggin Hall Hotel

Biggin Hall has a country house feel about it. Situated in the idyllic village of Biggin, it has been sympathetically restored to it's 17th Century glory. Dog friendly accommodation is offered to clients wishing to bring their dogs, and is available on the ground floor for easy access. The hotel has beautiful grounds and there are plenty of local walks nearby including the Tissington trail, just a short walk away. Afternoon tea is recommended following a lovely walk with your dog - or you might want to do it the other way round to walk off all those calories!!

Hartington

Charles Cotton Hotel

A historic 17 bedroom hotel situated in the heart of the pretty village of Hartington. They are happy to accept pets and keep certain rooms allocated for visiting dogs. There are also dog friendly pubs in the village if you want some variety and the local youth hostel has a dog friendly coffee shop. The area is surrounded by beautiful walks and is ideally placed for a walking holiday with your dog.

Buxton

Old Hall Hotel

Known as the oldest hotel in England! It was one time host to Mary Queen of Scots. Dogs and pets are welcome. It is sited just across the road from Buxton Opera house and opposite a beautiful park where you can walk your dog - although it will need to be on a lead. You are however only minutes away in the car from the Goyt Valley which is a fantastic walking location and a dog's paradise. You will however need to observe the countryside code and keep the dog on a lead in areas where there may be nesting birds. See the Dog Friendly Peak District website for more details.

Lee Wood Hotel

Another country house style hotel with it's own gardens. This dog friendly hotel is situated just a few minutes walk from the Peak District town of Buxton, and close to Buxton Opera house and the Pavillion gardens. Once again, you are a short car drive from the Goyt Valley and the myriad of walks in that area. Dogs are allowed in the bedrooms but not public areas where there is likely to be food and drink. There is also an £8.50 one off charge.

Alison Park Hotel

This hotel is a short walk away from the Pavillion Gardens, where you can take your dog for a walk through the beautiful parkland. You are also a few minutes walk from Grinlow Woods near Pooles Cavern, which is a wonderful place for dogs to run around off the lead. There is also a dog friendly cafe at Pooles Cavern, where you can get a bacon butty and coffee after your morning walk!

The Palace Hotel

The Palace hotel is an iconic landmark in Buxton. It is situated in an elevated position overlooking Buxton. This Victorian Hotel is situated in 5 acres of grounds and whilst it is close to the town centre it is also only a short drive away from the spectacular Goyt Valley, where there are plenty of great dog walks.

Grindleford

The Maynard

The Maynard is a newly refurbished dog friendly hotel in the Peak District and boasts spectacular views. The bedrooms have been decorated by a local interior designer, and furnished in a modern contemporary style. The rooms are finished to a very high standard and include super king sized beds and plasma screens with satellite TV. The rooms also have Wi-fi internet connections to add that additional high tech touch. The Maynard in Grindleford launched a range of dog friendly walks, with each walk starting and finishing at The Maynard, so on completion man and his best friend can both enjoy a well deserved drink. The hotel is dog-friendly, so your pooch can stay overnight in boutique hotel luxury as well. Information for this section of the article has been sourced from http://theMaynard.co.uk. More details on dog friendly walks can be found there.

Matlock Bath

Hodgkinson's Hotel

A fully restored grade 2 listed Victorian property, with eight individually designed rooms with en suite facilities. Award winning restaurant and included in the Good Hotel Guide 2010. They are a dog friendly hotel and welcome families and pets. Hodgkinsons is a rare surviving example of a fine historic grade II listed hotel. Dating from 1770, it has retained a wealth of its' original features and has views from the bedrooms of the river Derwent, the steep, wooded valley sides and sheer, dramatic limestone crags opposite, make Hodgkinson's an ideal place for a short holiday break to discover the delights of Derbyshire and the Peak District.

Rowsley

The Peacock

The Peacock at Rowsley is a small luxury dog friendly hotel located in the famous Peak District in the heart of England, and conveniently close to the major towns of Chesterfield, Sheffield, Manchester, Nottingham and Derby. Owned by Lord Edward Manners, owner of nearby Haddon Hall, the hotel has been refurbished throughout and styled by award winning designer India Mahdavi. Dogs are welcome to stay in the bedrooms at a charge of £10.00 per dog, per night. They are not however allowed in any of the public areas, i.e. restaurant, bar or lounge but are welcome in the garden. Details of all these dog friendly hotels can be found on the Dog Friendly Peak District website. You can find the website address at the end of this article. Wishing you a pleasant dog friendly visit to the Peak District.

Frequently Asked Questions About Power of Attorney

What is a Power of Attorney?

A Power of Attorney is a document that helps you deal with the issue of managing your finances when you are unable to do so, for example, if you become mentally incompetent. Alternative exist, such as living trust, but this is the most common way of handling this life situation.

How do I choose my Power of Attorney agent?

Pick someone who you really trust. They can be either a close relative or someone you have known for a long time. Don't trust your affairs to anyone who you think might not follow your wishes. If you choose an attorney or accountant as your agent, there is usually a fee. Family members will usually perform agent duties for free. Choose someone with financial smarts - your financial affairs will probably be better managed by someone who manages their own financial affairs carefully and effectively. Discuss the issue with your potential agent first and express your values and wishes with regard to how your affairs should be handled. This also gives the agent an opportunity to consider and communicate to you whether he or she is willing and able to handle the responsibilities.

What if my agent doesn't act in my best interests or follow my wishes?

A number of agent provisions are included. These provisions clarify issues related to how the agent handles your affairs including: accounting of the agent's actions, compensation and misconduct.

Am I allowed to change my agent?

You may change your mind about the agent you selected. You can revoke a signed POA document at any time, regardless of the reason. If you are unsure about the person you selected as your agent, you may choose to revoke the POA and select a different agent. This should be done in writing should using a Revocation of Power of Attorney document, and you must provide notice to the agent under the POA that you are revoking.

What different types of Powers of Attorney exist?

General: Your agent will have very broad authority to manage your financial and personal affairs. Your agent will have the legal authority to make gifts, operate a business, grant a disclaimer power, make living trust transfers and handle a personal residence.

Health Care: If you employ this type of document, another person you legally authorize will be able to make decisions about your medical care when you unable to.

Special: With this type of document, your agent will have powers limited to the specific areas you designate. For example, you might designate only the ability to access your safety deposit box or to manage your checking account.

Durable: A "durable" POA is effective even if you become mentally incompetent. Some states allow you to make your document "durable".

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Helpful Tips for Anyone Seeking Auto Insurance Coverage

To get insurance for your automobile is something that is very essential. There are some fixed cost components in insurance and then there are those parts which are variable and thus you can minimize the variable part and end up paying less for your insurance of your automobile. One of the deluxe ways of doing so is to have a higher deductible for your automobile premium. There are numerous such things that can be done to decrease the amount you need to pay for your automobile insurance.

The moment you get involved in an accident you should immediately call up the police and inform them about it. The police have been for years collecting information and have the best equipment to handle these things. The police will then make an accident report and it is this accident report which will help you obtain the insurance benefits of the accident. Therefore it is essential that you inform the police as soon as the accident takes place.

There are checklists of discounts that the insurance company gives. Make sure that you have a copy and a backup of this checklist and then you should keep updating the list with the criteria given and have a tab on the insurances that you are eligible for. These discounts are something that can save you plenty of money if used properly.

When you are insuring your car you are actually insuring the car in the name of one particular driver. Hence only when it is that driver who is there driving the car and then an accident occurs then the insurance company will cover the damages. This is something that you must be careful about; if you hand over the car to your friend and it is he who gets involved in the accident then it becomes difficult for you to get covered under the insurance policy. Though it is quite promising for you to have an additional driver insured for the car, these extra drivers permission cost more and thus it becomes difficult to pay the high insurance premium.

There is a ratio of the number of drivers to the number of vehicles owned by the family. The ideal scenario is when the number of members in the house and the vehicles in the house are in the ratio of 1:1. This will help you get the whole insurance done with lesser charge.

There is some legal minimum however there are other options as well which give you protection in other areas as well. There might be times when the premium rates might rise and then you will have the thinking that you should have applied for the costlier deal. There are some add on which are good for you and can be extremely beneficial for you. There are some motorists who might not be insured if and when he is involved in an accident.

There are many steps that you can take to avoid paying a higher price for the insurance and you should take note of all these steps.

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