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Recovery centers that place priority on individual needs
Many recovery centers have treatment plans that are rigid in nature and expected to be followed by all patients. At 12 Palms Recovery Center, the focus is on each patients needs and a treatment plan that they can follow independently of each other.
Recovery centers for alcoholics and addicts have developed treatment plans for patients that preach a program of living life clean and sober. Over the years, many successful methods have helped millions of patients stay clean and sober through these methods. Rehab centers in Ohio have certainly been successful as well, helping addicts learn to live a life that can be happy, productive and fulfilling.
However at many recovery centers, they may have programs that are not conducive to each patients individual needs. For instance, one recovery center may only have a 28 or 30-day program, another recovery center may only gear their recovery treatment plan for specific drugs of choice. At 12 Palms Recovery Center in Jensen Beach, Florida, each patient is given a specific and well-thought out treatment plan that works for their own specific needs.
The 12 Palms Recovery Center is owned, managed and staffed by recovering alcoholics and addicts who understand that each addiction is unique, and they understand that each patient has gotten to the recovery stage through an entirely different pathno one alcoholic or addict traveled the exact same path. By understanding where each patient is coming from and what their specific addiction is, the staff can develop a treatment plan of varying lengths30, 60 or 90 daysthat can help each patient to fully grasp and understand their addiction, and how best to recover from it.
Rehab centers in Ohio have the tools and resources available to help addicts in recovery, but at 12 Palms Recovery Center, each patient is encouraged to actively participate in their own recovery. Each patient starts their day by setting daily goals for themselves, followed by a time of daily devotion and group activities. Each patient is then given time for intense one on one counseling, individual therapy sessions, and each patient is given the chance to go to outside AA and NA meetings and encouraged to find sponsors who will work with them personally as they work through the 12-step program.
Rehab centers in Ohio can teach an addict or alcoholic the basic tools necessary to stay clean and sober, but at 12 Palms Recovery Center, each patient has the opportunity to work through their own individual issues through a variety of different methods chosen specifically for their needs. A patients stay at 12 Palms Recovery Center is dependent entirely on each individuals needs, and not what the program dictates.
Recovery centers that offer only one treatment plan for all patients does not work for every addict. At 12 Palms Recovery Center, individual assessments by the professional staff of counselors who are recovering addicts themselves dictate each patients individual treatment plan. For more information on the services offered by 12 Palms Recovery Center, please call 1(866) 331-6779.
The Basic Credit Card Types (Page 1 of 3)
It may seem incredible, but credit card issuers clog the mails with over 2.5 billion offers inviting people to apply for a credit card. Even those who would not qualify for a conventional credit card due to serious credit problems are now able to get one; some credit card issuers even specialize in this particular type of market. And according to financial gurus, there are at least a billion credit cards in active circulation throughout the United States alone.
Credit has been an economic cornerstone for some time now. Surveys show that the average American household is estimated to have at least twelve credit cards, including charge cards. While you may tend to think that one credit card is pretty much the same as the next, there are in actual fact distinct characteristics for each different credit card type. It is good to know these difference between the three different types of cards in the market: a bank credit card, a travel credit card, an entertainment credit card (although nowadays the combined travel and entertainment card has become more common) and a retail credit card or house card.
Bank Credit Cards You have probably noticed that most credit cards bear either the logo of Visa or MasterCard together with the name of the bank. It would appear that the credit card has been issued by either Visa or MasterCard. That is not quite an accurate assumption: these two companies do not issue credit cards directly to the consumers. Most of the credit cards on the market today are offered by thousands of banks around the globe. Each bank is linked to the credit card association, because are not allowed to issue any kind of card unless they are association members.
Visa is a privately held membership association, although it is preparing to go public. It started as an association of banks in California and the West Coast. There are over 20,000 financial institutions in the membership rolls, and virtually all of them offer Visa Card. MasterCard is also a membership association, similar to Visa, and originally consisted of member banks in the East.
A bank credit card is in reality a revolving credit line. When you receive your statement, you can pay all or part of your balance each month, run up the balance again and so on. Being a credit line, the account comes with a pre-determined credit limit that depends on key factors like disposable income, credit history, etc. The credit limit can be as low as a $100 or as high as many thousands of dollars.
It is possible for card holders to get themselves into trouble when they do not properly manage the revolving credit line. When you carry a balance instead of paying it off, the credit card issuer starts charging interest on that balance in some cases, this interest could be pretty steep. The interest rate varies widely, depending on who issued the card, but you could expect the average credit card interest rate to be at about 18 percent.
For instance, if you carry forward a $1,000 balance for 12 months, you pay $180 in interest per year or $15 every month. If you maintain a $1,000 savings account, you will earn about $40 in interest per year. Those who get into trouble will have to reduce debt, and one of the more common ways to go about this, is to arrange for credit card debt consolidation, which helps lighten the interest burden.