Elder Life Insurance Choices Why do elderly people consider life insurance anyway? When you think of this type of insurance, you may only associate it with younger people who buy it to protect their growing family or cover a home mortgage. But just because a person has passed age 50, 65, or even 80, does not always mean that they have outgrown their need for coverage!Here are some of the uses that older people may have for coverage. If you...more
So you met with the agent, you selected a great plan with the right amount of coverage and when it comes to beneficiary information, you quickly select the first person that comes to mind, usually a spouse or a close friend. Now you feel all prepared. Unfortunately, beneficiary selection is probably one of the most overlooked, important aspect of life insurance. After all, if you die prematurely, no matter how great the life insurance policy you...more
The threats of long term care are prevalent these days nursing home care is on its highest rate, shortage of nursing home workers is brewing, and the scarcity of home care adds to the sentiment of millions of Americans. Long term care insurance is an important product but often overlooked. Yes, not everyone needs long term care insurance, but the present situation shows the perils of not insuring for the future. With nursing home costs soar roughly $75,000 a year, will you be able to pay the bills for more than a year? You might be able to, but you are putting your finances at stake. And, after all, most people could not afford such lavish cost. Otherwise, only a comprehensive long term care plan can help you deal with the problem.There are five things that should be covered in long term care insurance policies. These are:Inflation Protection: This is one of the most important features in LTCi policy. This automatically increases the daily or monthly benefits at certain percentage to help the policy keep pace with the inflation rate. It prevents you from paying increment every now and then when the price boosts. Even though the benefits are adding up every year, your premiums...more
The impact of long term care is obviously high risk, but many people still neglect this issue and wait for the day they are aggravated with expensive bills or their assets depleted before they think of smart ways to offset the problem. Although some are aware of the importance of insuring ones care, they are often disheartened with the price of...more
Can everyone qualify for long term care insurance?No. Not all people need insurance for long term care actually. Since LTCi is quite complicated product, most insurance companies have come up with difficult standards and underwriting procedures to qualify only those who are eligible. Although the standards vary from one insurer to another, here are...more
Ghillie Suits and Wildlife Observation I have been advocating the use of ghillie suits in the observation of wildlife and birding for years. When Adam Grimm recently bought his ghillie poncho from ghilliesandstuff, I was pleased to discover that he used his ghillie suit extensively in his work and past time as a wildlife artist. As you can see from some of the examples of his work here, Adam is an extremely talented and professional artist. He has been kind enough to allow me to display some of his copywrited works here and on my website. My hunting visitors will probably be most interested in the game birds such as the turkeys, pheasant, and the ducks. As you can see Adam has also painted some remarkable songbirds as well. Adam sent me some really cool shots of himself at work in his ghillie suit. He is as good as I have seen in the use of a ghillie suit. Not all of us have the artistic eye to match our terrain as closely as Adam has, but with effort and diligence we can get as close as is necessary for excellent results. If you notice, He likes to do birds in the snow so I expect at some point he will be getting a white ghillie poncho. By strategically adding some black...more
Life insurance can be used for a variety of personal and estate planning needs. To ensure your life insurance policy meets your needs, watch out for these common mistakes: not considering life insurance at all. Life insurance forces us to take a look...more
Punta Cana Night Life - Things To Do In Bavaro And Punta Cana After a hectic day of enjoyment in the wonderful beach resort, night falls and its charming party scenes come to life in Bavaro.Nearly every all inclusive resort hotels have...more
Have you ever wondered whether you are really getting value out of your life insurance in your superannuation account? If this is you, or if you are just wondering whether you are getting the best possible deal, then you definitely need to read this...more
How to stop the worry, doubt, and fear in your life A small pity party from time to time really does not hurt you. If you find your self wallowing in pity then you probably need this advice.Life is full of ups and downs and if you think you...more
Fitness Important for Spinal Cord Injury Care According to the Mayo Clinic, every year about 11,000 Americans experience a spinal cord injury (SCI). Spinal cord injuries are among the most traumatic injuries and typically occur following...more
Organize Your Office For Efficient WorkAn office that is a mess, a desk that is stacked high with reports that will never be looked at again is a travesty. It is important to organize your office if you expect to work efficiently.How do you begin to...more