Recently, I became aware of a population of unsheltered people in our area.

When I read this I was really shocked…
Wikipedia explains the term “Unsheltered ” as
The “unsheltered” are that segment of the homeless who do not have ordinary lawful acess to buildings in which to sleep, as referred to in the HUD definition as persons occupying “place not designed for … sleeping accommodation for human beings.

There have been a signifigant number of unsheltered persons expiring of hypothermia, adding impetus to the trend of establishing warming centers as well as extending the enumeration surveys with vulnerablity indexes.

We think sometimes that poverty is only being hungry, naked and homeless. The poverty of being unwanted, unloved and uncared for is the greatest poverty. We must start in our own homes to remedy this kind of poverty.
– Mother Teresa

Homelessness
On any given night in America, anywhere from 700,000 to 2 million people are homeless, according to estimates of the National Law Center on Homelessness and Poverty.

Area of emerging interest:The Unsheltered

The “unhoused” are that segment of the homeless who do not have ordinary lawful acess to buildings in which to sleep, as referred to in the HUD definition as persons occupying “place not designed for … sleeping accommodation for human beings. Such persons frequently prefer the term “houseless” to the term “homeless”. Recent homeless enumeration survey documentation utilizes the term “unsheltered homeless.” HUD requires jurisdictions which participate in Continuum of Care grant programs to count their homeless every two years. These counts have led to a variety of creative measures to avoid undercounting. Thus teams of counters, often numbering in the hundreds in logistically complex volunteer efforts, seek out the unsheltered in various nooks and crannies.

There have been a signifigant number of unsheltered persons expiring of hypothermia, adding impetus to the trend of establishing warming centers as well as extending the enumeration surveys with vulnerablity indexes.

h1>Budgeting and saving are two big questions for senior women.

Living on a budget is one of the keys to your financial freedom, but how do we do this, especially with this economy in 2011?

In winter especially, fuel bills have become higher and higher, taking up the money that used to be used for savings. It’s easy to want to throw up our hands in disgust. But, all is not lost.

Here are 5 tips to help you save in 2011…

1) Cut back the little things.
You may be thinking that a few dollars here or there every month won’t make a difference, but it does. When you cut back in small ways, it could mean a lot more money at the end of the month.

2) Stop wasting.
This can apply to every area of our lives. From eating out to home heating, waste equals money going down the drain unnecessarily.

3) Cook for your family. Eating out or ordering take out eats up your cash in a hurry. Or, worse yet adds to your credit card bill.

4) Insulation has certain standards that need to be met. Call your insulation installer and ask him to check the insulation in your home.