Sooner or later we end up with aging parents. And with that comes an entire array of problems we need to deal with. We’ll probably need to provide some type of assistance on a regular basis, whether we live nearby or not. It could be finding them a housekeeper, or making sure they get to doctor appointments on time.

Frequently it gets to the point that much more than temporary and occasional help is necessary. If your parent has a terminal or progressive condition that mandates round the clock care, what options are available? To everyone involved? What if you’re an only child, or the only child in the family who can provide this type of help?

Blood might be thicker than water, but not all children are willing or able to step up and provide this level of care. If you’re married with your own family, this also needs to be taken into consideration. Your entire family needs to be on board with this idea. Even with one dissenter, there will be serious problems. Yes, it’s true: not everyone always wants grandma to move in. Your kids may not want to give up their family room to turn it into a bedroom.

Will the family all have responsibilities? No one can be there all day long. Not everyone wants to readjust their life permanently if it means a major sacrifice.

Besides the major issue of having someone move in, what are some of the other considerations to be aware of and discussed? Is she bedridden? Does she have convulsions, need special medication, special food, or help getting to the bathroom? What if she’s incontinent? Who changes her and the sheets?

Everyone needs to be on the same page here. Even though it’s your parent, you can’t possibly be expected to be there 24 hours a day. You need help. Will your spouse help you? Normally, wives have enough to do. They don’t want the additional burden of caring for someone else. When someone gets to the point that they are unable to live by themselves, this is a huge amount of work when they move in. Cooking, cleaning, medications, bathing, and even the additional expense can be more than some families can deal with.

Be proactive. Long before your parents reach old age, have honest discussions about what they expect and how these expectations might be met. They might just assume that their kids will take care of them when the time comes, no matter what. It might be a shock and disappointment to learn that other options might need to be discussed when the time comes.

For more information on how Long Term Care Insurance can help prepare us as we age. Also you can get a long term care insurance quote. We represent 20 of the top LTCi providers. This gives you tremendous options.

The impact of climate change has resulted in many governments coming up with programs to counter the negative impact. To do this, there has been an effort to move towards using renewable energy sources. A Feed-In Tariff (FiT) is an incentive program to promote the implementation of renewable energy by way of government legislation. The regional or national utility or power companies are mandated to purchase electricity generated from renewable sources, such as wind power, solar power, hydropoweretc, at rates set by the government. The set government rates are higher than market rates to off-set the cost disadvantages of using renewable energy sources. The rates that are established will vary among governments.

The Feed in Tariff system has been established in states in Countries across the world, including the United States and Canada. These countries have different variations of the FiT program. A form of FiT was first established in the US in 1978 by former President Jimmy Carter. He signed the National Energy Act (NEA) and the Public Utilities Regulatory Policy Act (PURPA). The goal was to encourage energy conservation and the development of national energy resources, including renewable energy. The province of Ontario, Canada, introduced a feed-in tariff in 2006, and ratified it in 2009, which proposed to boost payments for roof-top solar power from 42/kWh to 80/kWh. In April, 2009, eleven US State legislatures began considering implementing a FiT as an accompaniment to their renewable electricity mandates. Feed-In Tariffs have been linked with an increased development of solar power in Germany and Spain as well as wind power in Denmark.

Many experts say that the FiT program makes adopting renewal energy more financially attractive. The higher market price that is purchased by companies will be recouped by spreading it across all customer bills and it does not increase the bills by that much, usually by about 10 cents. The more customers a company has, the less money is added to customer’s bills. The goal is to have a gradual transition from non renewable energy resources to renewable energy resources.

In Ontario, Canada, the government hopes to eliminate coal-fired electricity by the end of 2014, increase the development of renewable energy technologies, and create new green industries and jobs. The FIT Program was made possible by the Green Energy and Green Economy Act, 2009 which was passed into law on May 14, 2009. The Ontario Power Authority is responsible for implementing the program. It offers stable prices under long-term contracts for energy generated from renewable sources, including: biomass, biogas, landfill gas, on-shore and off-shore wind, solar photovoltaic (PV), and hydropower. It is the largest climate-change initiative in North America.

The benefits of renewable energy include: clean sources of energy are being utilized and this decreases the negative impact on the environment, renewable energy will deplete so we will create an environmentally sustained future for our children, create jobs that will give a boost to the economy, less dependency on oil from unfriendly countries, and help ensure there is no oil crisis like there was in the 1970s. In the future, many more governments are expected to implement a FiT program.

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