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...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 long term care insurance. Long term care insurance is pricey, and what else? This is what all people...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 the common conditions that make you ineligible to apply:You are using long term care servicesYou have AIDS and other sex related diseaseYou have Alzheimers or any other cognitive disorderYou have Multiple Sclerosis or Parkinsons diseaseIf you have had strokes in the past 12 to 24 months Other health conditions not mentioned in the policy will be checked if you are still qualified for the benefits. Once the company approves your eligibility, it cannot cancel your policy for any reason unless you have stopped paying premiums and after you have received the maximum benefits. If you develop illness or any condition after qualifying for policy, you will be covered for the care needed to mitigate such condition.Am I Protected?The state requires insurance companies to provide certain protection for consumers. Heres how you can be protected:The...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...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 at our own mortality, a subject most people would prefer to ignore. But without life insurance, you...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 nightclubs, casinos, bars with good music, and all the amenities you can imagine.In some cases it's a good idea to leave the hotel and explore the area, which may be the best recommendation to continue hearing and enjoying the delights of Punta Cana.The most popular party places are: Tropicana, Pacha, Mangu, Areito, La Punta and Palladium Bavaro.The hotels also offers transfers to the same, at an affordable price, the city also has taxis and transportation.- Night Club Tropicana is one of the most popular clubs and is built within a natural cave with an array of fire and light shows, shows that you will never forget.- Disco Mangu is another one of the most popular of the city and is located in the Bavaro area. It has two dance floors blasted with salsa, reggeton, merengue, techno, a flood of beautiful girls and a good atmosphere.As you enjoy Punta Cana you can even enjoy fine dining in the comfort of your resort. Almost all hotels in Punta...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
I WILL NEVER DIE!!! I DON'T CARE ABOUT MY WIFE!!! WHEN I DIE, IT WONT MATTER WHAT HAPPENS!!! Well, these statements, which we have heard, may sound selfish but they are a what some people feel. And feelings do matter. As a matter of fact, I am...more
Term Vs. Permanent Life Insurance Baltimore Many people understand the importance of life insurance. While you must plan for retirement, it is also important to have a plan in force in the event you pass away. Life insurance is designed to...more