In addition to Director of Nursing, a skilled nursing home will customarily have other professionals on staff to assist patients. A med nurse is always assigned for sole purpose of administering medications prescribed for patients. Physical and occupational therapists also work within structure of care, coordinating specifically ordered therapies and reporting progress to doctors. An activities director is in charge of all social interaction and planned activities. Finally, a social worker is typically on staff to assist patients with emotional issues and arrangements for their care after discharge.

Payment options for skilled nursing facilities depend upon a number of factors. Private insurance and Medicare may be solutions, but regulations are fairly complex. All individuals considering skilled nursing facilities should investigate options of their particular situation before choosing a care option.

4. Never give out your credit card to anyone! This includes people in your family and any of your friends. It is not that you cannot trust these individuals, but you cannot track purchases you are not even making.

5. Never charge more than you can repay. When you do, you can hurt your future chances of getting any kind of credit, including car loans, home mortgages and other forms of loans.

6. Pay your credit card bills on time or even before they are due. Doing so will not only help improve your credit scores, but also help avoid additional costs associated with late payment charges and accrued interest.

7.Try to pay all your credit card bills in full each and every month. Have payments of a certain amount in your budget and try not to purchase more than that amount.

8. Use your credit cards for new purchases only. Too many people use one credit card to pay another credit card bill and that always leads to more spending and higher balances.