In the years of doing the Daily Dilemma, Kelly McKay has come across a lot of great organizations that have offered to help our listeners in need. We wanted to post these in case they may come in handy to you or someone you know that is dealing with a similar problem. IN A CAR ACCIDENT?
Make sure to do your research when dealing with your insurance company.
1.) Find out what the Kelly Blue Book value of your car is, at kellybluebook.com.
2.) Make sure you know which options you have in your vehicle, and what the condition your vehicle was in before the accident, because that can add value to your settlement.
3.) Carefully look over your insurance policy before talking with your agent, so you know your rights and responsibilities.
4.) If you're upside down, with regards to what you owe and what your vehicle is worth, ask your agent about exchange of collateral, which could allow you to get another vehicle and maintain the same payment on your other loan.
5.) Find out about getting a salvage title on your vehicle, so you can keep it and get it repaired. BUT, if you go that route, make sure your company will offer full coverage on the vehicle afterwards. Otherwise, you'll be up the creek!
6.) Go to www.in.gov/idoi if you feel that your insurance company isn't doing right by you.
STRUGGLING WITH POSTPARTUM DEPRESSION? Here is some great information we received from listeners in our recent dilemma involving a first-time mom.
PLACES (by City):
Indianapolis Clarian Health Partners, Birdie Meyer, RN, MA, CLC &
Sara Pollard, RN, BS
State Coordinators for Postpartum Support International (PSI)
Support group meets weekly during the day on the west side of Indianapolis. Evening support group meets once a week at Methodist Hospital.
The Postpartum Husband: Practical Solutions for living with Postpartum Depression:
Karen Kleiman
This Isn’t What I Expected
Karen Kleiman, MSW and Valerie Raskin, MD
When Words are Not Enough: The Women’s Prescription for Depression and Anxiety
Valerie Raskin, MD
Beyond the Blues: A Guide to Understanding and Treating Prenatal and Postpartum Depression
Pec Indman, MFT and Shoshanna Bennett, PhD
Women’s Moods: What Every Woman Should Know About the Brain, Hormones, and Emotional Health
Jeanne Driscoll, CNM and Deborah Sichel, MD
Shouldn’t I Be Happy: Emotional Problems of Pregnant and Postpartum Women
Sheila Misri, MD
Conquering Postpartum Depression: A proven plan for recovery.
Ronald Rosenberg, MD
The Mother to Mother Postpartum Depression Support Book
Sandra Poulin
Down Came the Rain: My Journey Through Postpartum Depression
Brooke Shields
Behind the Smile: My Journey Out of Postpartum Depression
Marie Osmond
Postpartum Depression for Dummies Shoshana Bennett, PhD
EMERGENCY:
Access Center for Behavioral Health at Methodist Hospital:
317-962-2622
Suicide Hotline:
1-800-SUICIDE
SUFFER FROM BACK PAIN?
We recently aired a daily dilemma about Degenerative Disc Disease, and here's some of the information we received from listeners:
STRETCH: Have your doctor send you to a physical therapist to learn the appropriate stretches for your back injury, or disorder.
MASSAGE: Especially with degenerative disc disease, deep tissue massage can offer relief without drugs.
This organization offers ways for the uninsured to receive pain meds and medical care.The ICHIA is an organization that works with families unable to get insurance on their own, and those who may have special needs and pre- existing conditions. Call the Indiana Comprehensive Health Insurance Association at 317-614-2133 to see if you qualify.The ICHIA is an organization that works with families unable to get insurance on their own, and those who may have special needs and pre-existing conditions. Call the Indiana Comprehensive Health Insurance Association at 317-614-2133 to see if you qualify.
IF MEDICAL EMERGENCIES HAVE CAUSED FINANCIAL PROBLEMS:
You don't necessarily need to run right out and file for bankruptcy! Check out the following websites for financial counseling options.
***Also, check with your County about assistance with household bills, utilities, rent/mortgage, etc.
***Apply for financial aide with your hospital to get a portion of your hospital bills covered.
***Register at your bank to get a Trust Account set up that would enable people to donate towards your bills.
CAN'T AFFORD YOUR PRESCRIPTIONS?
As heard about on the Montel Williams Show The Partnership for Prescription Assistance can help people get their monthly prescriptions for little or no money. There are many websites available to you, to fill out a form, but these are two that I found associated with Montel. http://hawaiianmeds.com/ppa.htm and www.painfoundation.org is the link for the American Pain Foundation.is the web address for the American Pain Your information will be forwarded on to drug companies who will contact you if they can help. Wishard Advantage for those in Marion County: Wishard offers financial aide, to those who need it, on prescription costs, and doctors visits. www.wishard.edu or 630-7386
HOME REPAIR/CONSTRUCTION:
Quality First Construction: Ask for Shawn Burford at (317) 209-9973 or (317) 379-4144.
10225 Steeplechase Drive Suite K Avon, IN 46123
DOES YOUR CHILD HAVE SEVERE BEHAVIORAL ISSUES?
1. Your best bet is to have an Applied Behavior Annalysis done by an ABA therapist. They'll come to your home and be able to better assess the situation than most doctors. For questions, email
2. It is possible that your child suffers from food allergies. Consult a nutritionist for help finding the right diet for your child.
3. Speaking of nutrition...There are two "Defeat Autism Now" Doctors that specialize in diet and internal health, which decrease behaviors. One is Rhonda Marsh, LPN (317) 580-9333 and the other is Dr.Mary Lou Hulseman of Fall Creek Medicine (317) 621-1700.
GETTING DEPLOYED?
Being in the military and away from family is already an emotional strain so don't let it be a financial one too. Go to www.USAA.com, and let their financial advisors help you prepare for your time away from home. Also, did you know about the Soldiers and Sailors Act? If you are getting deployed, you need to prepare a letter for your creditors informing them of your situation. They will be required to put your accounts on hold until you get back. Since your accounts will be frozen you won't be accumulating any added interest! Also, the Army Emergency Relief Fund can help if you are in serious financial trouble. Give them a call at 1-866-878-6378.
NEED WORK DONE AT HOME?
It's so hard to find good help these days, isn't it? Well, not really. It's all about who you know! We recently got a lot of help, on the Gregg Family Daily Dilemma, from some very nice, and dependable people who own their own businesses. If you're looking for a good plumber: call Pat at Pipemasters at 317-838-9999. He's a nice guy who cam get the job done quickly, and he's fair with pricing. If you need a general contractor, call Brent at FarSide Custom Contracting. 317-414-8004. Brent is a very creative and hard working guy, with a big heart. And, if you're looking for a little help in interior design give Balinda a call at Balinda Hall Designs. She's also experienced with making homes handicap accessible. She's a doll. 765-521-3510
GAMBLING ADDICTION?
First things first, make sure you're ready to quit.
Then, contact www.gamblersanonymous.org, or www.indianaproblemgambling.org for help.
Also, get rid of your home computer. Don't allow yourself the temptation of hopping on line to play!
Join a club, or church group, and keep busy doing fun activities that don't involve gambling.
Most importantly, AVOID people who gamble!
From The 3/22 Daily Dilemma, regarding testing in school:A mother had written in about her son, who is now in High School but has struggled with learning since Elementary School. Here's some of the information listeners shared with her:
1.) Write a letter to the school counselor, or special education coordinator, (copy it to the Principal, School Administrator, and teacher) and request they test your child. They legally have to complete the testing within 60 school days. Once they test him they'll have a meeting with you to discuss his I.E.P. (Individual Education Plan). For example: They may find that they need to read all of his tests to him, instead of having him take them in the usual way.
2.) Also, your insurance may cover an exam with a neuropsychologist. The exam is non-invasive and takes a couple of hours. The test will determine how your son's brain works. For example: Does he digest information in large chunks, or in little pieces at a time? This information would be very helpful to his teachers.
3.) Contact the Dyslexia Institute of Indiana. They'll do their own evaluation, of your child, and they offer tutoring on a sliding scale. 317-545-5451
or Donna Chandler at 293-8363
WHAT IS YOUR CHILD LISTENING TO?
I saw an article on Yahoo news that really caught my attention and I wanted to share with parents. The article was about a study into teen listening habits and how their music relates to their sexual activity. Read it for yourself and see if you agree!
CHICAGO - Teens whose iPods are full of music with raunchy, sexual lyrics start having sex sooner than those who prefer other songs, a study found. Whether it's hip-hop, rap, pop or rock, much of popular music aimed at teens contains sexual overtones. Its influence on their behavior appears to depend on how the sex is portrayed, researchers found.Songs depicting men as "sex-driven studs," women as sex objects and with explicit references to sex acts are more likely to trigger early sexual behavior than those where sexual references are more veiled and relationships appear more committed, the study found.
Teens who said they listened to lots of music with degrading sexual messages were almost twice as likely to start having intercourse or other sexual activities within the following two years as were teens who listened to little or no sexually degrading music. Among heavy listeners, 51 percent started having sex within two years, versus 29 percent of those who said they listened to little or no sexually degrading music.
The study, based on telephone interviews with 1,461 participants aged 12 to 17, appears in the August issue of Pediatrics, being released Monday. Most participants were virgins when they were first questioned in 2001. Follow-up interviews were done in 2002 and 2004 to see if music choice had influenced subsequent behavior.
Need A New Job?
Contact a recruitment agency for help with resumes, learning interview skills, and for job placement.
General Employment (also called Triad) in Carmel - 815-9622 www.genp.com
Express Personnel - with four locations in Indy - www.expresspersonnel.com Log on to search for a job and apply on-line! - 297-2341
Work One - in Fishers - helps you focus on your skills, so you can better search for a job. They also teach you how to interview, as well as help with your resume.
841-8194
Adam from CitiGroup is an associate recruiter. Call him at 1-800-311-9593 for help in finding a job.
www.liveops.comhires people to work from home to take calls from people wanting to buy products they've seen on T.V.
If you have a teaching degree, or an MBA, you can find jobs with local colleges, or universities, teaching on-line classes. (Remember: teaching night classes is an option too!)
Find out about medical transcriptions. You can work from home transcribing doctors notes, and you will make great money! At Home Professions is a company that gives seminars on how to work from home doing medical transcriptions.
FOR EX MILITARY who are looking for work.
Log onto www.dfas.mil This website is a great resource for ex military. You can get help with benefits, and get leads on jobs at the same time.
Westaff - in Indy - offers job placement for ex military. Three Indianapolis locations. Call and ask for Laura. 359-8367
Childcare
Church based daycares are usually inexpensive…National Council of Churches (212) 870-3342
Indianapolis Day Nursery has a sliding scale – www.daynursery.org 636-9197 ext. 227
Talk to your insurance company about in home nursing.
Take a leave of absence from your company. You'll be able to spend time at home, while keeping your job. (in most cases)
www.ipin.org, currently known as A.S.K., is a group that helps parents with special needs children. About Special Kids will help you understand your options, with regards to your insurance, and offer support when needed.
First Steps is a government program that offers therapy for special needs children based on a family's income. www.in.gov/fssa/first_step/
Checking with a local college can be very helpful, the student affairs office can steer you in the right direction.
Check with your church, or local YMCA for a list of reliable sitters.
STATE LAWS REGARDING CHILDREN BEING LEFT ALONE
Children 7 and under CANNOT be left alone.
Children ages 8 and 9 can be left alone for up to 2 hours.
Children 10 to 13 an be left alone up to 12 hours.
Children ages 14 to 17 can be left alone for up to 24 hours IF there's an adult willing to help who lives 5 minutes away.
THE STATE CHILDCARE RESOURCE AND REFERRAL LINE: 1-317-924-5202
Fun T-Shirts:
If you need a T-Shirt made or are looking for the proper way to look the part for any event, contact the Teeki Hut here in Indianapolis at 807 Broad Ripple Avenue or call (317) 205-3589.
Need help with your homework?
Parents, do you need help when helping your kids do their homework? Check out www.cosmeo.com or call 1-800-ASK-ROSE.
Can't Seem To Make Friends?
Get involved in school related extracurricular activities.
Join a church group, boy scouts, or other group or club unrelated to school.
Take karate, boxing, or another form of exercise that will help with self-esteem.
When at school, avoid approaching groups of kids but instead go to someone who's sitting alone and strike up a conversation.
See your doctor and discuss depression and treatments for it.
Get tested for Aspergers Syndrome which is a form of autism that causes social impairment.
The Consumer Service Hotline for the Division of Mental Health and Addiction 1-800-901-1133
NAMI The Nation's Voice on Mental Illness www.nami.org
Behavior Corp: 10 area locations, Adult and child/adolescent services. www.behaviorcorp.com
New appts: 574-1254 main office: 587-0500 24 hour crisis line: 1-800-560-4038
Imagine Hope Counseling Group: Private practice on the northside.
Specializes in individual and marriage counseling. Ask for Tamara Portee...tell her Kelly McKay sent you! www.imaginehopecounseling.com.
Home Repairs Roofing: Wormann's & Son's Inc. – Greenwood 888-4449
Beeson Construction – Indianapolis 788-9353
Metzger's Construction – Booneville 812-925-7544
Remodeling:
Indy's Best Remodeling – Greenwood 339-6116
Crum Construction - Muncie 765-749-6494
Integrity Development Corporation
LJS Home Improvement – Mooresville 317-834-4766
Various:
Frye Electric – Avon 271-1099
Furniture Medic – Indianapolis 273-8580
Indiana Maintenance Services 244-6424
PC Pro Tech 317-710-3999
Infertility
(Since the State of Indiana hasn't passed a law to require insurance companies to cover in vitro, here are some ideas of how to get coverage and/or help paying for the procedures. Sallie Mae will cover in vitro for employees who work for them for two years. Anthem Insurance covers in vitro and you can get an individual policy regardless of where you work and what insurance you may have there. Verizon carries Anthem and has in vitro coverage for employees.www.IVFCONNECTIONS.com for valuable information and support. IU does research on infertility and you may be able to get into a research project for free in vitro.www.IVFCONNECTIONS.com
Adoption www.new-beginnings.org is a great website for people looking to adopt. Eli Lilly will contribute $10,000 to an employees adoption costs. The Government will give a $10,000 tax credit the year the adoption takes place. That is for domestic as well.
2. Grants (Pell-grant for low income, visit local high school that may have information, visit unemployment agencies, look at tax return (low-income) may qualify you, speak with financial aid department at a university or college, type in area or major on websites to look for specific grants and schloarships
4. Jobs (Fed-ex may help pay, become an R.A. at a College (Free room, board and tuition), Work at the college
5. Fill out Free Student Financial Aid Form
6. Attend Community College (Ivy Tech, Indiana Business College) for basic courses (make sure credits transfer, Ivy Tech has a $6,000 degree, Marian college credits transfer over)
7. Join the Military! (If 41 or under)
Modeling
Call Department Stores to see when they're having auditions for fashion shows
