By Linda Horton September 05, 2015
They did a great job checking on my dad and letting me know what he needed. thanks! ...read more
By debormil December 09, 2013
Didn't see where to apply or send resume. I am an LVN seeking sitter work in evening or at night part-time or prn. ...read more
By Ambit Energy - Executive Consultants - Clint & Shana Hummel February 01, 2011
Thanks for being so great!! We wish you the very best year ever Clint and Shana!! ...read more
We've just published a new edition of our newsletter! You can check it out on our website and get the latest information from Paloma Home Health Agency Inc. Let us know what you think! Read It Now Here ...read more
By Paloma Home Health Agency, Inc. December 08, 2009
Nathaniel Hawthorne’s book The Scarlet Letter states in Chapter 2, “On the breast of her gown, in fine red cloth, surrounded with an elaborate embroidery and fantastic flourishes of gold thread, appeared the letter A.” The letter A stood for the word adulterer and represented one of the worst insults in society. One would have thought that today we are a lot more civilized than 200 years ago, but unfortunately it is not true. Society has abolished the letter A alright, but it has latched onto a new one, the letter B, which stands for bankruptcy. People do not see it on their chest and think it does not affect them, but it does. Bankruptcy is as insulting and as damaging to one’s financial, emotional, mental, and even physical well- being as any major failure or stigma.Although lawyers may tell their clients the stigma lasts 7-10 years, the truth is the stigma lasts forever. Ask those that have been through the process and most will tell you how rough and hard it is to get a good job, buy a new car or a home, get a promotion at work, or even lease an apartment. In certain industries, bankruptcy also means instant termination from work. The pains and agonies of bankruptcy will not just end there. Financially the person is haunted with higher interest rates, higher down payments, and outright rejections for many years to come. Emotionally and mentally the person has to endure constant refusals that affect morale, self-esteem, and self-respect. Eventually, the stress could potentially affect the person’s health. Mental stress incapacitates numerous people each and every year and the numbers are staggering.How does one avoid questions on applications such as this one: “Have you ever filed for bankruptcy?” Please note, it does not say, “Have you filed for bankruptcy in the last seven years?” The way to avoid such applications is usually by walking away from them. In other words, by allowing doors to be closed in one’s face. The bottom line is, bankruptcy has a very real downside that is likely much worse than any postive short-term results. Many consumers are unaware of these potential pitfalls associated with bankruptcy, as countless attorneys often paint a rosy picture.My Advice through person experience: Avoid bankruptcy, at all cost, and only as the absolute last possible resort. Weigh your decision carefully. I recognize there are certain circumstances where bankruptcy is truly the best option and there may be times where it’s the only option. One should not use bankruptcy as an option simply because it is “easy” or seems to be a quick solution. ...read more
By Precept Financial Solutions February 01, 2008
Let’s look at a real world example: A woman purchased a new $4,000 large screen TV a few months ago based on the knowledge her monthly payment was going to be $175, and based on the 9% interest rate charged by her credit card company. For five months straight she made all her payments on time, but in the fifth month she was late paying her mortgage bill, for reasons unknown. She found out a month or two later that her credit card company doubled her interest rate to 18%, thus increasing the payment for the TV to about $190 per month. Even though she was never late on any other payments, she found most of her other credit cards raised their interest rates as well. Even her car insurance company raised their rates. The net effect was she ended up paying nearly $200 per month more because she was late on a single mortgage payment. This is a common result of a very little known or understood clause found in nearly every credit card agreement today. How would you feel if the company who sold you a product, based on certain arrangements (including the interest rate), called you up and said they were increasing your monthly payment for reasons that have absolutely nothing to do with them? Is this really fair? Let’s take this a step further. Could any customer call a company, that had sold them a particular product on payments, and tell them the re-payment to the company will now be lower because they had missed a payment to one of their suppliers? Of course not. This Universal Clause is extremely one- sided, making consumers victims of what one could easily ascertain as an unjust and unmerited practice. Yet many powerful credit card companies continue to lobby Washington, arguing it is the consumer that needs to be held accountable to the terms and conditions of the contract, neglecting the most important element, that they are equally accountable to the same terms and conditions of the agreement. The Clause was introduced in the mid nineteen- nineties, after seeing an influx of bankruptcy filings in America. The credit card industry, fearing huge losses, decided to enact this little known clause referred to as “The Universal Default Clause”. Simply stated, they feel the credit card companies should have the right to increase one’s APR if a consumer is late on any other credit card or debt entity, including outside bills such as phone, cable or utilities. This clause is purely an excuse to collect more money for credit card companies who invoke the clause. Surprisingly enough it comes at a time when many cardholders need monthly relief, not additional financial strain. This clause creates a natural conflict between cardholders and credit card companies, and generates an adversarial relationship that leaves everyone bitter. According to the Office of the Comptroller of the Currency (OCC) this is considered an unfair practice and has recently labeled it “Unacceptable”. The Clause is usually hidden under the “Other APR’s” section. Our Advice: Please read each credit application carefully and avoid any card with this clause. Currently out of 45 banks issuing 144 cards, 44% use the Universal Default Clause. ...read more
By Precept Financial Solutions February 01, 2008
Hospice services are very personal and caring in nature, so it does not seem right to produce a huge marketing method to sell these services. It is better to build relationships and participate in events to make your services know to potential patients. ...read more
Although we hope everyone will recover from an illness or old age, this is oftentimes not the case. In some situations, there is nothing that can be done to restore a person’s health. However, hospice care can make the end of one’s life much more comfortable through physical, e... ...read more
