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...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 know, period. Unfortunately, there are misconceptions attached to long term care insurance that push people away from insuring their health.You Wont Get Paid Right Away. This is not true. Maybe some mistakenly purchase elimination period without knowing that they would pay the number of days stipulated in the policy before the insurer pays next. The elimination period can range from zero, 90, 180 to 360 days. Remember that the longer elimination period means lower premiums, but before you decide in going with longer waiting period, you should see first if you could pay the bills on your own. If you are not confident in paying it independently, then purchase zero or shorter elimination period.Insurance for Long Term Care Covers Only Nursing...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...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 could be leaving your family in dire financial circumstances if you die. You should thoroughly assess your situation to see how much life insurance is needed. relying on rules of thumb. When deciding how much life insurance you need, avoid common rules of thumb, such as five to 10 times your annual salary. Because every family has different needs, you should consider factors such as the number of dependents you have, how much money you have in savings, and outstanding obligations, such as mortgages and college loans. You need to determine how much money your family requires annually to maintain their standard of living and how long they will need that money. Once you have these estimates, you can more accurately calculate the amount of life insurance coverage needed. Making your decisions based solely on the premium amount. You should...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
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