Your Home and Your Golden Years

Written by Lois A. Vitt

You've worked hard to affordrepparttar home you live in today. You have undoubtedly invested sweat equity as well as money to maintain your home and gradually shape it torepparttar 143215 comfortable living space that now says, “This is who I am.” Your ultimate dream is to remain in this home - independent, financially secure, and in control of your personal and social needs and wants. Can you achieve that goal? It is likely that you can, with realistic planning and careful decision-making.

Our housing decisions at all stages of life are complex psychological processes that involve personal, social, tangible and financial factors. And these factors are not cut and dried. They entail reasonable needs and values, but they also entail wants (sometimes dating back to childhood) and even “shoulds” instilled in us by others.

If your goal is to remain in this home forrepparttar 143216 rest of your natural life, you need to think objectively aboutrepparttar 143217 home itself, and you also need to think about your own housing psychology.

How would you answer these questions?.

* What modifications will your home require in order to accommodate diminished mobility or disability?

* How will you handlerepparttar 143218 physical challenges of maintainingrepparttar 143219 structure as well asrepparttar 143220 lawn and garden?

* What shape arerepparttar 143221 major systems and appliances currently in, and what is likely to break down and need replacement?

* An active social life will keep you young and happy throughout your lifetime. Will you still have friends or relatives nearby to fulfill your social needs?

Have your name removed from Telemarketing Lists and DMA

Written by Max Penn

How often do you pick uprepparttar mail only to find that most of what you receive is "junk mail" ? If you are like most of us, you receive more junk mail than mail that is actually of interest. Junk mail does not pose a direct threat to our privacy and security in and of itself. However,repparttar 143182 fact that your name, address, and who knows what other personal information is being sold, rented, or given torepparttar 143183 companies that send outrepparttar 143184 junk mail filling your mailbox should be of concern.

The question to ask yourself--and perhaepsrepparttar 143185 companies with which you choose to conduct business--is, "What right does a company have to use my personal information in it's marketing schemes without my consent?" If a company is going to make a profit by selling your personal information, it should be at least have your permission to do so,

A REAL THREAT While i have said that junk mail does not pose a direct threat to our privacy and security in and of itself, there is in fact a very real threat from direct marketing (junk mail) and telemarketers. Many companies are using prison inmates to conduct telemarketing and screen responses to direct marketing.

The November 15, 2001 edition ofrepparttar 143186 Abilene Reporter-News reported that a Texas woman, April Jordan, has filed a lawsuit against Sandsar Family Entertainment for putting her family at risk by using felons to conduct telemarketing. Accoridng torepparttar 143187 reports, Jordan's 14-year-old daughter answeredrepparttar 143188 felon's telemarketing call torepparttar 143189 Jordan home, and, as a result, this felon obtainedrepparttar 143190 girl's name, home address, age, physical description, and other personal information. The felon then provided this information to another inmate, who sent a suggestive letter to this young girl!

The use of inmates to make telemarketing calls and process marketing information is not a rare or unique occurrence. Major corporations, such as AT&T and Honda, are reported to have used inmates for telemarketing and data-entry purposes, and TWA is reported to have used inmates to make airline reservations.

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