Category "Service"

Cremation Fees For Infants Abolished In Auckland

Auckland recently announced that the council has decided to abolish the cremation fees usually charged for infants. The fees will not be only applicable to children older than a year old and adults. The council recognized that the fees can be a burden. With deceased adults, they also have to pay for cremation urns for adults apart from the fees.

The new law will be implemented starting the 1st of July. Those covered are families who have lost an infant that is below the age of one year old. This will take away the stress brought about by the financial aspect of paying for their child’s cremation.

Daniel Newman, a councilor of Auckland representing the Manurewa-Papakura, said that this is something that he has been fighting for since he got elected into office of the council two years prior. He added that he pushed this law because he recognized that grieving parents need the compassion at this most trying time. Furthermore, it is not right to present parents with a invoice regarding the amount they have to pay when they just lost a new addition to their family. It is the state’s responsibility to ease some of the grief that they are feeling rather than adding more to their worries.

According to Newman, the council was able to gather a total of $14,000 in 2017 from the cremation of 81 newborn babies.

In an interview, a mother who lost her child two years ago said that the cremation alone became a financial hurdle for them. She and her partner did not prepare that something unfortunate will happen o them and the expense was quite beyond their capacity. She admitted that during that time she was thinking of cheaper alternative to bury their newborn son.

She further added that she was ready to bring a new life into the world but what she is not prepared for is that she is going to be bringing back the ashes of their son home.

According to law, families who have lost babies that are more than 20 weeks in the womb and weighs more than 400 grams are required to perform either cremation or traditional burial. They also have to purchase urns similar to cremation urns for adults and these alone can be a burden financially.

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Effectiveness Of Equine Therapy In Treating Drug Addiction

Drug addiction disturbs the life of the addicts. It wrecks havoc in the personal and professional life of the addicts. But addiction can be treated and the patients can be brought back to lead an addiction-free, normal life. If you or your loved are suffering from addiction and want to recover, there are a wide range of options for treatment. There are a number of rehab centers in different categories like free and low cost rehab centers, out-patient rehab centers, luxury rehab centers which provide in-patient and residential programs.

The treatment plans of the best drug rehab centersare customized to suit the requirements of individual patients. They include a lot of therapies like yoga, music therapy, art therapy and equine therapy. All these different therapies combined with counselling and proper medications help the patients to tackle their emotions and come out of addiction.

Equine therapy is an effective and successful therapy used by the best drug rehab centers. The therapy is experiential and involves taking care of a horse that is assigned to the patient. The patients take care of the feeding, hygiene, training and emotional requirements of the horse during a stipulated period. The patient develops a strong emotional bond with the horse and also receives unconditional love and acceptance from the animal which plays a major role in the process of recovery.

Patients undergoing equine therapy as part of their best drug rehab program learn communication skills, assertiveness, confidence, leadership qualities and develop a positive outlook of life. Since the patient receives unconditional love and acceptance from the animal without being judged, it helps them to feel liberated from the constant resentment and negative judgement; they regularly face due to their addictive habits.

Equine therapy works to bring the patient back to the present. Since the therapy involves taking care of  a horse and training it to complete challenges and activities, the patient learns to concentrate on the given tasks and stay away from the negative thoughts and behaviors that remind them of drugs. The therapy is very efficient in treating mental health conditions like anxiety, depression and stress. The therapy is one of the best drug rehab therapies that improve the emotional health of the patients, once the therapy is completed.

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Importance Of Audit Insurance And Points To Keep In Mind Before Selecting A Policy

Insurance against tax audit is relatively a new product in insurance sector. The product is aimed at tax accountants who might sometimes make errors while preparing the returns of their clients, which might attract a tax audit. The insurance covers all the expenses incurred by the client to face the tax investigation.

The ATO picks up tax returns randomly for an audit. You may get a call from the tax office even if your returns are accurate and you have paid all your taxes. Claiming huge deductions and charitable contributions, conducting huge number of cash transactions, showing less income are some of the reasons a tax return may attract an audit procedure. Having the protection of tax audit insurance helps the accountants and their clients to complete the process of filing returns in a stress free manner.

Getting through the tax audit consumes a lot of time and money. The services of a huge number of professionals such as accountants, lawyers and accountants are required to get through a tax audit successfully. As audits take many years to complete, the costs may rise with astronomical effect. Opting for tax audit insurance covers all these expenses and takes off the financial burden.

While purchasing a tax audit insurance cover, keep the following points in mind

  1. All tax insurance covers are not the same. The definition of tax review changes from policy to policy. It is always advisable to go through the fine print of the policy before buying it. It will enable you to know the different types of scenarios, covered by the insurance policy.
  2. Some tax audit insurance policies only cover the accountant and not your business. Be careful while selecting a tax audit insurance policy and choose a policy that covers your business along with the accountant. This will help you to cover all the costs apart from the accountant’s charges.
  3. Most of the accountants offer tax audit insurance as part of their service contract. It protects the accountant and the client from the mistakes made while filing tax returns. Choose a policy that offers a good coverage depending on the size and nature of your business.
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How Reverse Mortgage Loans Can Help In Credit Card Debts

Many seniors aged 70 and older own credit cards that they can’t pay off the balance in full every month. The best solution to this problem is availing reverse mortgage loans to settle these balances. In a working paper funded by the government and published in September 2016, the researchers say credit card debts suddenly drop when seniors avail the reverse mortgages.

There is also a decrease in debt payment delinquencies and foreclosures once the reverse mortgage is considered. Seniors with bad credit for the first two years of the reverse mortgage are benefited the most. These seniors may have failed to avail another type of home equity loan due to bad credit history, but there are some lenders of reverse mortgage loans who don’t rely on the senior’s credit score.

The study found out that senior borrowers minimized their credit card debt more than those who borrowed other types of home equity loans. The retirees are provided with monthly cash flows to help them pay off their credit card debt.

According to the study, retirees who initially withdrew $10,000 through a reverse mortgage minimized their credit card debt up to $2,400 in the first year after borrowing the money. Additional borrowing proved a smaller additional debt paydowns.

The study is worth noting that it covers borrowers who availed the reverse mortgage loans between 2008 and 2011. This financial history was truly a unique bad period especially with the recession. A similar study performed during such period of economic prosperity may have led to a varied finding.

Seniors who are planning to avail reverse mortgage loans may find solutions to the credit card debt, especially when they have their home equity as an asset to pay off fees and interest of reverse mortgage. They will actually be saved from the financial burdens offered by bad credit card debts. Only an accountant or financial planner can perform this complex calculation. A reverse mortgage lawyer may not be knowledgeable when it comes to this concern. However, they can provide advice to the senior if the reverse mortgage is worth availing to save them from more future problems.

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Importance Of Proper Installation And Maintenance Of Fire Alarm System

Smoke alarms are an important part of a house safety and security system. Most of the homeowners do not take the task of fitting fire alarms and getting them tested regularly seriously. This makes them vulnerable to fatal fire accidents. A smoke alarm alerts you early and gives the chance to secure yourself and your family from the raging flames.

All the houses should have fire alarms installed properly by a certified electrician in Wynnum, who have the right knowledge about the correct installation and placement of the alarms.  The qualified and experienced electricians can guide you and advice you on the correct number of fire alarms required for your house and the places to fit them.

Every house should ideally have at least one fire alarm for every floor. The alarm should be fitted properly by good electrician in Wynnum, on the ceiling away from the lights and walls. There are two types of smoke alarms Ionisation alarms and optical alarms. While ionisation alarms can detect fast burning fires and are best for the kitchen area, the optical alarms detect slow burning fires and give early warning. Each type of alarm is required in different parts of the house to give you complete protection from fire. The ionisation alarms are best suited for the kitchen area whereas the optical alarms are better for the hallways, living room and the bed rooms.

Proper maintenance of these alarms is also essential for efficient protection. While most owners install fire alarms, they do not take care of the maintenance and testing of the alarms. It is advisable to engage the services of an electrician in Wynnum for installation and maintenance of fire alarms, so that they keep functioning efficiently.

There are some general guidelines to take care of your smoke alarm, like testing the alarm regularly by using the test button and checking the batteries regularly and replacing them every year. The alarms must be kept dust free so that the sensors are not blocked by dust and grime. Proper maintenance of these alarms plays a vital role in their functionality.

Engage the services of good company providing electrician in Wynnum, who have experience in installing and maintenance of the fire alarm systems. This will ensure you have a good protection for your house and family from fatal fire accidents.

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