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Eco-Green Hotel - A Step Towards A Greener World by: M Scott Parisi

In an attempt to protect and save the environment and combating environmental hazards, we are ought to take our every step with extreme cautiousness. We should not forget that in our daily walk of life, our every action must be environmentally responsible. Moreover, even while on a holiday or tour, people should stay in the kind of motels, inns or hotels which use energy in an environmentally compatible manner. And such hotels are called 'Green Hotels'. Turning into eco-green hotels helps keeping staff long-term because management intelligibly cares for their well-being and health. The green hotels are authorized to utilize the non-exhaustible energy resources in all possible ways. On top of that they efficiently use the exhaustible resources by reusing or recycling the byproducts. Now a day, hotels are realizing and bringing appreciable changes towards getting green and contributing to lesser pollution and waste. Being green means guests, staff and management are healthier. What are hotels doing to turn into green? * Hotels are using water-saving devices that will conserve estimated thousands more gallons of water per room every year. Moreover, they are using dispensers for lotions and shampoos instead of the bottles. * They are using compact fluorescent light bulbs to save energy. * They are utilizing recycled paper, soy-based inks for stationery. * They are also motivating guests to go green by offering discounted parking rewards for those who drive hybrids. * They are doing their best to conserve lighting and air-conditioning energy while guest rooms aren't occupied by using a motion -detection system. * They are replacing the mineral water bottles with local tap water in pitchers according to the relevant season. * They are running incentive programs to encourage the staff participation in improving environmental -friendly practices. * They are donating the leftover amenities, furniture and appliances to charitable trust. * They are offering discounts to sustainable environmental organizations who would like to hold meetings at the hotels. Why to become Green? * By turning into green we will help our property to have value for long term. * Going green helps in catering visitor's attention so that they should visit over again. * By going green you are contributing to lesser pollution and waste. * By going green helps keeping staff long-term because management intelligibly cares for their well being and health. * By going green you judiciously utilize both the renewable energy and the non renewable resources. How can green-hotels be more successful? While the hospitality sector is attempting towards the better environment, their endeavor would be a great success if the visitors co-operate by minimizing wastes. Obviously, these hotels are constantly engaged in various hospitality activities through the utilization of energy resources. If we are willing to stay in a green hotel, we can contribute a little to protect and save environment at individual level. Benefits of turning into Green: * Visitors like eco-green hotels because of its cost efficiency. * Visitors like the entertainment and recreation in a natural place as that is more refreshing to do everything in green lodging * It is beneficial in maintaining the ecological balance and greenery on earth. * Since so many energy saving effective measures are adopted such as sensors for rest rooms and meeting areas, fluorescent bulbs and so on, it leads to the reduction in electricity bills which is very advantageous. * Reduction in the water bills by the introduction and application of equipment which saves water such as low-flow showerheads and so on. * Becoming green implies that the staff, guests and management are healthier. Eventually, becoming green is a judicious and the most positive step in turning the whole world into a greener world, which will in turn save the atmosphere layer and the planet earth from the rapid global warming. However, there should be a joint effort from both the sides, the hospitality sector and also the guests. They should walk hand in hand to help promote the Eco-green hotels in conserving the environment and save greenery.

5 Ways to Prepare for a Disaster by: Richard A. Forester

Well let's face it, disasters seem to be happening more often than ever before. Whether or not you are counting, you have thought about it. We all should prepare for the eventual earthquake or storm which will leave us without many options for going to the neighborhood market or hardware store for supplies. This article is to help you plan for such an event in your life. Your needs at home, school or the office need to be planned for ahead of time. After the event is not the time to look for essentials. So, let's discuss some of the basics allowing you to modify the essentials for your particular situation. The family home is our mainstay of family life. We have our family, our belongings and our lives there. If you live in an earthquake prone area, you need to prepare for the eventuality of a disaster involving you and your family. Sit down with your family and decide how you are going to get in touch with each other if an emergency occurs. Gather your family together and figure out how to contact each other. Your family will need to be able to contact each other so be sure to make plans with the entire family. Designate one person who does not live with you to be your family contact person. You will need a person who does live with you to be the designated contact. A close friend or relative who does not live with you should be the designated contact person. Make sure everyone in the family carries the phone number of the contact person with them. In the event of an emergency and the family is not together, everyone should contact that person to let them know where they are. The person whom you have designated as the contact person should be available most days, in another words, do not pick someone who travels or is gone quite often. Designate a meeting place near your home so everyone can be assembled. Everyone should know the place you have decided to assemble after an emergency. Emergencies are hectic and everyone should know where to meet afterwards. Run through a mock evacuation of your home to determine the best escape route for each part of the home. Time the evacuation to make sure the routes you have chosen are the shortest and safest. Your home might have multiple escape routes and these should be evaluated to insure a quick escape from emergencies. Think about what items you might wish to take with you. Be sure to remember mementos, family heirlooms, wills or pictures. You will need to keep valuable and non-replaceable in mind when an emergency happens. Take care to have the items you want to take nearby if you need to move quickly Have an emergency kit handy and assemble in a designated place, making sure the kit has the essentials you will need for at least 3 days. Fully stocked emergency kits are vital and should be kept near the escape routes in your home. Keep the emergency kit where it is accessible to the whole family, think of the laundry room, or the closet near the door. Remember to keep enough water and food for at least 3 days in your emergency kit, including a can opener if can goods are included. Include a can opener if can goods are included in your emergency kit, along with 3 days of food and water for your family. Keep 3 day's water and food handy for quick evacuation. Remember to include First Aid supplies, including bandages, scissors, rubber gloves, tape, radio, a flashlight along with the food, water and shelter in your emergency kit are some vital things to remember. If possible include some sort of shelter, for example a tarp and light rope. Keep a portable light source like a lantern filled with fuel or batteries ready at all times. If you have pets, include pet food and supplies so our animals can survive also. Your pets will need food and water to be provided in the event of an emergency. This can be a trying time for pets so remember to provide food and water for them along with the families' 3 day supply. This article has been prepared to make you aware of the basics of preparing for the inevitable eventuality of a disaster involving your home and family. It is not a complete essay of everything possible you can do, but a short list of things you can do at little expense that could save lives. Good luck and think about the forgoing as prudent planning.

Saving Money On Your Food Tip by: Jay Sumlin

Saving money on your food tip by Jay Sumlin owner of affordablefoodnetwork.com. According to Jay & Yolanda Sumlin owners of Affordable Food Network says" the best way for consumers to cut the fat off your food bill is to buy in bulk". This is no secret says Mrs.Sumlin" consumers know this all to well, but here is where many get off track. Never buy pre-cooked meats or food because not only are the labor added into this type of product but the preservatives that are in these foods are far from being healthy for both children and adults. Fresh meats and seafood is the way to go here. What I like about fresh meat is that I can season my meats and can cook it just the way I like it and after all I know who cooked the food, (she says with a chuckle). For a single or working family on the go crock pots are a big hit that can be set on a timer cooking the food without being attended along with new technologies in regards to cooking devices that have come of age like the "Smart Stove" the one where you set the time when you set a starting time and ending time period of when you want your meat ready. The "Jetsons era has arrived" with Rhonco cooking products and The Food Network cooking Ideas are helping people save money by eating out less with great home cooking ideas. We feel for restaurant owners in these down economic times is hard for them. I know this first hand because many of our wholesalers are asking us about restaurants in our area that are doing well. The final tip Mrs.Sumlin says to save money on meats is to form a group with friends or family members to buy as a group rather than individuals because you are buying as a group you are buying in bulk which saves an average of 40 to 70% wholesale. I suggest talking with your local butcher shop to see what kind of prices you will get if you buy in bulk and if they don't want to work with the customer then I suggest going online and looking for a wholesaler of meats and seafood. Like Us "says Yolanda Sumlin".

Trust Funds With Interesting Beneficiaries
by: Melissa Gordon

Many people will associate big trust funds with their famous beneficiaries (or potential beneficiaries). Without needing to name anyone, you can probably think of a few yourself. In very many cases their massive inheritances leave huge numbers of people wondering what on earth they have done to be so lucky as to receive huge payouts, with more to come when their elderly relatives die. And yet that is just how things are. Money held in trust does not (necessarily) go into a trust fund on the proviso that the potential beneficiary behaves like a decent human being for the rest of their life. In fact, the only thing that generally governs who will benefit from a trust, and how much they will get, is the testator’s own discretion – and/or that of the nominated trustee who will manage the fund with them and after their death. This has led to money getting left in trust for some surprising beneficiaries over the years. For example, the hotelier Leona Helmsley – known by many as “the Queen of Mean” – who died in 2007 at the age of 87 from congestive heart disease – left a surprising amount of money in trust for two of her grandchildren. That amount was precisely nothing. The reason she is reputed to have given is that they did not name any of their sons after her late husband Harry. She did, however, leave an amount of $12 million to her white Maltese dog Trouble, as well as a further large amount in trust – believed to be between $5-8billion for dogs in general. Although the trust is not bound to abide by the latter stipulation, Trouble has made out pretty well from Helmsley’s death, with a further stipulation stating that she will be buried next to Helmsley in the family mausoleum. Helmsley had two other grandchildren, and they benefited from her will to the tune of $10million each – but they will lose at least half of that if they do not visit their late father’s gravesite once a year. The story does not end there, however. On legal challenge, it was ruled that Helmsley was not of sound mind when she made these bequests, and as a result they were amended by the courts dependent on certain factors. The two disinherited grandchildren were paid $6million and Helmsley’s own charitable foundation a further $4million. Where did this extra $10million come from? Trouble. Because Judge Renee Roth judged that Leona Helmsley was of unsound mind when she made the original bequests, and possibly to save Trouble from becoming the first dog ever to be the victim of a constructive homicide, Roth decided that the grandchildren would be entitled to $6million as long as they maintained a media silence about their dispute with their grandmother. Trouble’s caretaker, Carl Lekic, explained that $2million would be more than adequate to keep Trouble in the manner to which she was accustomed for the next ten years – and as a result, numerous death threats against Lekic were dropped. It seems, then, that there are two lessons here to be learned. One: that you should be nice to anyone who may leave you money. And Two: Even if disinheriting your grandchildren seems like a good revenge, you may wish to undergo a psychiatric evaluation before you actually do it.

OIG Workplan: What Can Providers Expect

by: Andrew Wachler

On October 1, 2007, the Department of Health and Human Services (HHS) Office of Inspector General (OIG) issued its 2008 annual Work Plan, which outlines the key focus areas and projects the OIG intends to pursue during the 2008 fiscal year (FY 2008). The OIG Work Plan is available in its entirety from the OIG website. Approximately 80 percent of the OIG’s resources are devoted to projects within the Medicare and Medicaid programs. These projects include audits, evaluations, investigations, and legal activities. This article will highlight a few of the areas within the Medicare and Medicaid programs that the OIG identified as focus areas for FY 2008. Physicians and other healthcare providers and suppliers providing services billed to Medicare and Medicaid are well-advised to review the sections of the Work Plan applicable to the services they provide, and review their existing compliance efforts, in the context of anticipated OIG activity for the upcoming year. Although the 2008 Work Plan outlines the OIG’s intended areas of activity for the fiscal year ahead, the OIG also has noted that work planning is a dynamic process that continues after the publication of its annual Work Plan. Thus, after analyzing current events and emerging issues as they arise, the OIG may add new activities or cancel or delay planned activities, as it deems appropriate. At the time of the Work Plan’s publication in October 2007, the OIG announced that it would focus on the following issues related to Medicare and Medicaid, among others, during FY 2008: A. Medicare 1. Hospitals As in previous annual Work Plans, the OIG outlined several areas of focus and initiatives it has planned for FY 2008 regarding Medicare payments made to hospitals. New in the 2008 Work Plan, the OIG articulated heightened interest in Medicare payments made to long-term care hospitals. Accordingly, long-term care hospitals may see increased investigations and audit activity during FY 2008. The OIG enumerated multiple areas of focus with respect to these hospitals. Also in FY 2008, the OIG will review physician-owned specialty hospitals for indicators of patient care and safety. The OIG cited concerns raised about the appropriateness of care and about whether staffing levels were appropriate at specialty hospitals. 2. Home Health Agencies The OIG will review national data collected regarding home health agencies’ survey and certification findings, particularly with respect to any findings of deficiency. The OIG will consider whether agencies with a history of noncompliance with certification standards perform differently during cyclical survey and certification than agencies without a history of noncompliance with certification standards. This analysis will be conducted in an effort to determine whether sanctions are effective when placed upon agencies with findings of deficiencies. The OIG will also consider whether services billed by home health agencies were appropriately coded, fully documented, and properly billed. 3. Nursing Homes and Hospice The OIG plans to review hospice services provided to Medicare beneficiaries who reside in nursing facilities and assess the appropriateness of payments for hospice care for these services. 4. Physicians and Other Health Professionals The 2008 Work Plan includes several areas of focus regarding Medicare services billed by physicians and other health professionals. These areas of focus include, but are not limited to, the areas listed below. Notably, diagnostic testing is a significant area of focus for the OIG in FY 2008, as evidenced by numerous projects identified in these areas: Place of service billing errors E/M services billed during global surgery periods Selected physician services Services billed “incident to” Psychiatric services Services performed by clinical social workers Polysomnography services Pain Management services High-frequency chiropractic treatments Business relationships and MRI Geographic areas with a high-frequency of ultrasound services Geographic areas with a high-density of IDTFs Medicare reassignment rules 5. Durable Medical Equipment As in previous years, the OIG identified multiple focus areas regarding Medicare payments for durable medical equipment supplies. The multiple areas of focus outlined by the 2008 OIG Work Plan demonstrate that durable medical equipment suppliers remain subject to high-scrutiny by the OIG, and thus these suppliers must be highly vigilant about compliance with Medicare and Medicaid regulations and policy. 6. Part B Drug Reimbursement The OIG will review Medicare Part B drug reimbursement. Among other topics, the OIG will review drug manufacturers’ methodologies for computing the average sales price for Part B medications, and will assess manufacturers’ compliance with the statutory requirements for determining the average sales price of these medications. 7. Medicare Part D Administration The OIG will continue to monitor the administration of the Medicare prescription drug benefit in 2008. Among other areas of focus, the OIG will consider the following: * Whether duplicative claims have been made for medications (e.g. whether claims submitted under Medicare Part D were also submitted under Part A or B); * Whether employer controls for the Retirement Drug Subsidy (RDS) program are sufficient; * Whether CMS’ methodology for reviewing and approving Medicare Part D sponsor bids is appropriate; and * Whether sponsors’ compliance programs are effective and compliant with federal regulations. The OIG cited a previous report finding that some sponsors’ compliance plans did not address all of the required elements concerning fraud. 8. Medicare Cross-Cutting Issues As mandated by the Tax Relief and Health Care Act of 2006, section 203, the OIG plans to conduct a series of studies of serious medical errors, known as “never events.” The OIG will study the incidence, facility response, and payments associated with these events. The studies will include an evaluation of medical error reporting and provider response, as well as other targeted studies. B. Medicaid In FY 2008, the OIG will also focus its attention upon various aspects of Medicaid payments. Among other areas of focus, the OIG will consider all of the following: Medicaid payments made to hospitals Medicaid long-term and community care Medicaid mental health services Other Medicaid services Medicaid State Children’s Health Insurance Program (SCHIP) Medicaid administration TOP MANAGEMENT AND PERFORMANCE CHALLENGES Recently, the OIG acknowledged that many projects on which it intends to focus in FY 2008 pose management and performance challenges that must be addressed with novel strategies, in addition to the current management strategies the Department of Health and Human Services (HHS) has implemented. The OIG published a publication, “Top Management and Performance Challenges,” which is available from OIG’s website, and outlines these management challenges and the steps the OIG is taking to address these challenges. The management challenges specified by the OIG include all of the following: Oversight of Medicare Part D Integrity of Medicare Payments Appropriateness of Medicaid and SCHIP Payments Medicaid Administration Quality of Care Public Health Emergency Preparedness and Response Oversight of Food, Drug, and Medical Device Safety Grants Management Integrity of Information Technology Systems and Infrastructure; and Ethics Program Oversight and Management Notably, Medicare providers and suppliers practicing in the areas listed above should be aware that there is even more governmental scrutiny on these areas than on other areas outlined in the 2008 Work Plan. The OIG is actively taking steps to address these perceived risk and management challenges.

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Prenuptial Agreements to Have and to Hold
by: Pat Perkins

Lots has been heard about the prenup (premarital) agreements of the rich and famous: Donald and Ivana Trump, Brittany Spears and Kevin Federline, Tom Cruise and Katie Holmes, Michael Douglas and Catherine Zeta Jones, Nicole Kidman and Keith Urban, Charlie Sheen and Denise Richards, Liz Taylor and Larry Fortensky, Brad Pitt and Angelina Jolie, Rosanne Barr and Tom Arnold and Eric Benet and Halle Berry just to name a few. Whew! But you don’t have to be in the rich and famous parade to have a prenuptial agreement. Even if you are just a regular Joe or Josephine, there are many solid, positive reasons to add a prenup to your dowry, but these increasingly popular agreements have also seen some serious manipulation over the years resulting in demands that run the gamut from no mother-in-law sleepovers to mandatory sexual positions. (Imagine looking your attorney in the eye after agreeing to that one?) It does inspire a series of “what if” scenarios though, doesn’t it? Like, what if your back went out or your leg was broken or you just ate a 5 course meal? Would you be in breech of contract for non-performance? LOL! Are contingencies written into agreements for such exigencies? Will the party who requested this clause need an unbiased observer to monitor compliance? OK, enough is enough; you get the idea. Given the turnover of marriages and divorces in Stardomville, I guess it’s understandable that couples considering marriage or remarriage would be desperate for a gimmick or quick trick to guarantee lasting bliss, but prenups, unfortunately, will never replace marriage counselors, no matter how well written, or prevent divorce. From the looks of some of the prenup demands couples are requesting, however, it seems they haven’t gotten the message. What ever happened to talking things out? If you think this is all baloney, look below at the list of constraining clauses and demands that have found their way into prenups. It gives reading the fine print a brand new meaning, doesn’t it? * One prenup is reported to have limited Sunday football to the watching of one game each Sunday on TV. Bet you can guess the sex of the spouse making that request? * Rumor has it that in her prenup with Michael Douglas, Catherine Zeta-Jones wrangled a cool $2.8 million for every year of marriage. What do they call a woman who charges for companionship that includes sexual favors? Ouch! * Apparently Katie Holmes is no dummy either. For better or worse (is there really a “worst case” scenario here?), the buzz is that she collects $3 million for each year of her marriage when (if) it falls apart. If she can postpone instant gratification and hangs in there for eleven years, she will be entitled to half of hubby Tom’s fortune. What happens if Sugar Daddy Tom goes bankrupt after eleven years of Katie’s personal sacrifice? If I were Katie, I’d be lining up an attorney now for a divorce at the ten-year mark. (You know, a bird in the hand and all that . . . .) * Industrial magnate and former General Electric CEO, Jack Welch, must have signed his prenup with former wife, Jane Beasley Welch, during a blackout. Forbes reported that their prenup contained a sunset clause eliminating the prenup altogether after 10 years of marriage. Guess who walked away with $150 million as soon as the clause expired? Do you think Jack’s attorney was out of a job after that? Maybe Jane hired him out of gratitude. * What price addiction? One famous couples’ prenup actually included the right by one spouse to have random drug tests performed on the other. Sniff, shoot up, swallow or drag on an illegal substance and it could be poof, goodbye inheritance. Someone will need a legal aid attorney. * It is reported that Charlie Sheen and Denise Richards’ prenup is infidelity proof. Wouldn’t yours be if you had to pay your spouse $4 million each time you strayed? Sounds like a serious justification for buying either a chastity belt or becoming a monk. Hey, why take a chance? Of course, both spouses could just say no! * Several prenups have included who gets the pet, the plot at the pet cemetery, even who is entitled to the cremated remains of pets deceased before the marriage. Can you imagine arguing over the equal division of Rusty’s remains in a divorce case? One couple is purported to have included their “taxidermied” horse in their prenup. Bet it has a room of its own too! * Does your spouse-to-be swear at your mother? No problem, do what one couple did, just add a pay-up clause in your prenup for each offensive remark. You have nothing to loose and everything to gain: either a non-swearing spouse and happy mother or a very full piggy bank. Definitely a win-win situation. * Does your spouse need a little help staying on a diet? Apparently one prenup half thought encouragement meant fining the other for a weight gain of twenty or more pounds. Now that’s food for thought! Would you sign a prenup with clauses like the ones above? Love is blind and all that, but what about common sense? Does that fly out the window when cupid flies in? If the truth be known, these are things NOT to put in a prenup agreement, especially if you want it to be validated by a court of law. Frivolous or outlandish terms may cause a prenup to be set aside. Prenuptial Agreement: What Is It? A prenuptial (antenuptial, premarital) agreement is a written contract, usually prepared by an attorney, between two people who are about to marry. The contract specifies particular terms for the possession of assets, the handling of future earnings, the control of real estate, spousal support and the division of assets if the marriage is dissolved in the future. To be enforceable and stand up in court, generally a prenup must meet certain minimal requirements. They must: * be in writing * be signed by both spouses * include disclosure of all the assets, income and debt of each party * be signed only after both parties have had sufficient time to consider the contents and to obtain separate legal advice * be truthful and involve full disclosure * be entered into freely and voluntarily The demand for prenups has increased as equality between the sexes has grown and as the number of divorces and remarriages has risen. Turning away from a formerly held position that a prenup was primarily an attempt by one spouse to limit the legal and financial benefits of the other, the law is increasingly recognizing the benefits of careful premarital planning and today, every state allows prenups. However, courts do examine these documents carefully and will set aside one judged to be unfair or one that fails to meet state requirements. Prenuptial Agreement: Who Needs One? There are many sound reasons for tying up a prenup before tying the knot. Couples who plan to marry each deserve to have knowledge of the other person’s assets and debts. This is supposedly what matrimony is all about, honesty and full disclosure. If your honey seems a bit touchy on the subject of finances, finding out why before you marry is essential. Surveys have repeatedly mentioned money as the topic that most couples fight about. Simply discussing a prenup may tell you something important about the manner in which the person you are about to marry handles finances. Remember, once you are married, you not only share assets but debts as well. Prenups are helpful in promoting harmony between offspring if either the bride or the groom or both have grown children from previous marriages. Blending families is difficult enough for newlyweds to manage without having grown children suspect a step-parent of ulterior financial motives. You can let all concerned know that you have no intention of running off with mommy’s or daddy’s money by creating and signing a prenup that leaves the estates owned by each partner before marriage to his/her respective children in the event of divorce. If either or both parties have substantial assets that they want to protect when a marriage dissolves, a prenup can be crafted to not only help you keep what you brought into the marriage but what you expect to earn during your marriage--for instance, royalties on a book that you wrote before you were married or an expected inheritance from your parents. However, most states will set aside a prenup that intentionally leaves one partner destitute and a few states will not allow a potential spouse to sign away their right to alimony. Prenups can be used to protect each partner from the other’s debts too. Suppose a couple plans post-marriage to have one partner work to support the family while the other partner, using student loans to finance his/her education, attends medical or law school. It is reasonable for the party who plans to work to support the family while the other receives an education to request in a prenup that he/she not be held responsible for the student loans in the event of divorce. Prenups are anti-anxiety measures for couples who have been “taken to the cleaners” in previous marriages and for those who have experienced particularly difficult, acrimonious or outlandishly expensive divorces in the past. These so-called “victimized” couples feel that a prenup containing asset division directions will prevent future antagonisms and the possibility of being bilked again. Better than an antacid, they say. Prenuptial Agreements: What You Need To Know Look for an attorney experienced in crafting prenuptial agreements (usually a family law attorney). The attorney you select should: * willingly advise you of the pros and cons of prenups in general * listen to your particular needs and ideas * review with you all available options that can be used to insure that your goals and expectations are met * explain how state laws affect the prenup you are about the construct * advise you on the appropriateness of particular clauses and warn you of possible pitfalls A prenup is not a magic pill and it can’t anticipate all the financial and emotional concerns that are certain to arise in a marriage. But the security of having one in place will bring you more peace of mind than leaving your finances to chance in a divorce court.