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Add You - Long-term Care Planning With & Without Long-term Care Insurance: Understanding The Alternatives
There is no doubt about it. It's a fact of modern life. Formal education can be very expensive and literally bury individuals and whole families under a mountain of debt. The bad news is, that even with the pricy education, your future may not be secure.Please don't misunderstand, I'm not suggesting that post secondary formal education isn't the way to go. It's extremely valuable for many. What I am suggesting is that it isn't the exclusive path to financial security and it's not something that everyone can obtain for a variety of reasons ranging from financial pressures to grades that don't quite measure up.Becoming successful in a selling career need not be expensive or even all that time consuming. You don't need the post secondary education. In fact you don't even require a high school diploma, although it helps. You definitely don't need the burden of the of massive student loans and you need not spend years learning before you begin earning. It can easily be a 'learn while you earn' process.By now you maybe asking a few questions such as,What will it cost to learn how to sell?How long will it take to learn?Who should consider selling as a career?Let me try to answer those questions for you. If you want to be successful, you will want solid, well rounded training before you begin on your career path. Please don't set yourself up for failure by having less than sufficient skills when you begin. By well rounded, I mean training that not only provides you with techniques, tips an
The evidence continues to grow that the choices and the quality of care provided to those who rely on public funding is much more limited than for those who can pay privately. Nursing homes that rely on Medicaid funding are seriously under-staffed, their personnel are often poorly trained, staff turnover e
Corporate Espionage is so great in America that competitors will go to lengths to find out what your company has that makes it so much better than everyone else’s. Often they will even go so far as to set up a dummy corporation or LLC and actually go thru the sales process to buy a franchise, sometimes even go thru the purchase process, just to get all the information they need to compete with you, using your proprietary methods.This is why I came up with a clause in our franchise agreements which helped us in knowing who we are dealing with up front and what their interests really are. Below is one of the clauses we use;7.16 Other PartiesIf Franchisee is a partnership, joint venture, association, corporation, limited liability company or other legal entity, then all persons who have any beneficial interest in the Franchisee must execute this Franchise Agreement where indicated below and be bound jointly and severally by all the terms and provision hereof, and each such execution shall be a condition precedent to the grant by Franchisee of the Franchised Business.- - - - - - - - - - -This made it very tough for a competitor to risk giving themselves away or opening them up for unfair business practice criminal investigations or civil lawsuits from us. It is unfortunate that the weaker, underwelming competitors have to cheat and lie just to keep up, but they are sub human and simply unworthy of mention on the evolutionary food chain. I use to feel sorry for them, but then that 15-second period ended, now we play tough, check six and steamroller these losers. C
State and federal officials are about to implement newly legislated long-term care budget cuts that will further limit care options for those who rely on public funding for their care. Meanwhile, the pool of workers in the labor intensive, long-term care industry continues to shrink as the numbers of frail and disabled elders grows at an ever-increasing rate.
Many Americans still don’t understand that most health insurance coverage, including Medicare pays only for short term, skilled care. We are expected to pay for the rest from our savings, other assets, with funds from family members, or from the benefits of a private long-term care insurance policy.
When they discover this harsh reality, older Americans and their family members wonder if they can protect their home and their life savings without depleting them to pay for the costs of a chronic illness. Because care is so costly, an increasing number of older Americans need assistance from their grown children, many of whom live far from their aging parent’s home.
A recent study by the University of Maryland revealed that these caregivers now pay an average of $392 a month out-of-pocket, compared with $196 just 7 years ago. The expenses include travel, medicine, phone bills, medical supplies, meals and home maintenance.
The evidence continues to grow that the choices and the quality of care provided to those who rely on public funding is much more limited than for those who can pay privately. Nursing homes that rely on Medicaid funding are seriously under-staffed, their personnel are often poorly trained, staff turnover ex
PPC advertising of course is the process of buying search engine traffic. You bid a price to be in the sponsored listings of your favorite search engine, and you get generally pretty predictable results.Sound confusing? It’s not. Here’s how PPC advertising works, in a nutshell. First you create a page title, description and link as you want it to appear on the search results page. Next, you choose the keywords that (you hope!) will lead people to your ad. Then, you decide how much you are willing to pay for each click of your ad (this is your “bid”). Finally, your bid is compared to all other bids for the same keywords. Your bid’s place relative to the other bids will determine how far up on the search results pages your ad will appear. He who bids highest, ranks highest!Like most things in life, there are pros and cons to embarking on a PPC advertising campaign. On the plus side, this is straightforward and simple to set up – no special computer or online knowledge is required to make it work. Further, PPC can be economical, as long as you stick to a budget. You only pay when someone actually clicks on your ad, regardless of how many times the ad is displayed.Looking at the downside, there is always the potential for your competitors to click on your ads just so you have to pay. The more money that comes out of your pocket, the better for them, right? Also, PPC pricing structures can turn out to be costly long-term, so it is generally only a short-term solution.
State and federal officials are about to implement newly legislated long-term care budget cuts that will further limit care options for those who rely on public funding for their care. Meanwhile, the pool of workers in the labor intensive, long-term care industry continues to shrink as the numbers of frail and disabled elders grows at an ever-increasing rate.
Many Americans still don’t understand that most health insurance coverage, including Medicare pays only for short term, skilled care. We are expected to pay for the rest from our savings, other assets, with funds from family members, or from the benefits of a private long-term care insurance policy.
When they discover this harsh reality, older Americans and their family members wonder if they can protect their home and their life savings without depleting them to pay for the costs of a chronic illness. Because care is so costly, an increasing number of older Americans need assistance from their grown children, many of whom live far from their aging parent’s home.
A recent study by the University of Maryland revealed that these caregivers now pay an average of $392 a month out-of-pocket, compared with $196 just 7 years ago. The expenses include travel, medicine, phone bills, medical supplies, meals and home maintenance.
The evidence continues to grow that the choices and the quality of care provided to those who rely on public funding is much more limited than for those who can pay privately. Nursing homes that rely on Medicaid funding are seriously under-staffed, their personnel are often poorly trained, staff turnover e
You decided you’re going to sell your products online. Or perhaps you don’t want to sell them yet, only display your catalog. So how do you go ahead and implement your virtual shop? The answer is short: you need to install a shopping cart in your website. But let’s go step by step and expand this simple answer to a brief explanation of the process. It will be better to know all the players involved in bringing your store up to life. There are many shopping cart solutions out there, you need to find the one that meets your needs. You will find open source solutions and paid ones. They will have different types of customer support and some of them may be ready to install in your hosting account. You need to find the right solution for you, if you’re not an experienced user get one with good customer support or even hire a professional to help you in the process of setting it up.First: you need a domain name for your store, and need to host it at a hosting company. If you already have the domain, you may skip this step. If you don’t, you need to register the domain and then place it, host it, at a web server. You need to choose a hosting company which offers what you need. You will most probably need a database for your store and programming language support. Which language depends on the requirements to install the shopping cart of your choice. Some examples of programming languages are ASP, Php, Perl.Second: if you plan to sell products, you need a payment processor, a company to process the payments you receive online, in real time. You can use a third party solution like PayPal,
When they discover this harsh reality, older Americans and their family members wonder if they can protect their home and their life savings without depleting them to pay for the costs of a chronic illness. Because care is so costly, an increasing number of older Americans need assistance from their grown children, many of whom live far from their aging parent’s home.
A recent study by the University of Maryland revealed that these caregivers now pay an average of $392 a month out-of-pocket, compared with $196 just 7 years ago. The expenses include travel, medicine, phone bills, medical supplies, meals and home maintenance.
The evidence continues to grow that the choices and the quality of care provided to those who rely on public funding is much more limited than for those who can pay privately. Nursing homes that rely on Medicaid funding are seriously under-staffed, their personnel are often poorly trained, staff turnover e
Parents have the full responsibility for their children and their education. It is up to parents to teach their children what's right and what's wrong, how to conduct themselves as good citizens, how to cross the road safely and generally protect themselves from harm. In fact, up until the time that child is an adult, the parents have responsibilities in every part of that child's life, right up until the time they are a college student.The influence of the parents, however, goes way beyond college student days. Whether they like it or not, or even admit it, everyone is influenced not only by the way their parents have treated them, but also by the behavioural patterns of the parents. That influence can be good, bad or neutral, but it is there, and it affects many aspects of daily lives. One of the main features of daily life is finance: money, debt, borrowing, lending, spending, and credit cards all fall within that sphere.It follows that parents can have an influence on their children's attitude to credit cards and credit card debt. As a good teacher, mentor and financial adviser, the parent can help to create a positive financial attitude in their children that will help them through their college student days, and eliminate or prevent credit card debt from their future lives.What Can A Parent Do To Help Their Student Children Prevent Debt?Parents are not the only influence on their children. They and their children face a barrage of marketing for credit cards that has reached brainwashing proportions. Easy credit pervades society like a highly contagious
A recent study by the University of Maryland revealed that these caregivers now pay an average of $392 a month out-of-pocket, compared with $196 just 7 years ago. The expenses include travel, medicine, phone bills, medical supplies, meals and home maintenance.
The evidence continues to grow that the choices and the quality of care provided to those who rely on public funding is much more limited than for those who can pay privately. Nursing homes that rely on Medicaid funding are seriously under-staffed, their personnel are often poorly trained, staff turnover e
Controlling the ever rising cost of health insurance has become a national priority. If you have health insurance, whether an individual plan or group, you have undoubtedly experienced premium increases every time your policy renews.One of the best ways of taking control of your health costs and medical expenses is to set up a Health Savings Account, usually referred to simply as an HSA.It is important to remember that many, if not most, people with health insurance don't spend enough money on medical expenses in any given year to even meet the deductible on their policy. This means, of course, that they are paying for coverage that they don't need or even use! So what to do? Take out a health insurance plan with a high deductible and set up an HSA.Following are my top ten reasons for having an HSA:Your HSA is an interest bearing savings account. Many banks and financial institutions have recognized the growth of HSAs and are jumping on the band wagon to get you to use them for your account. Some insurance companies set up your account them when you enroll in one of their health plans. One such company is Medical Savings Insurance Company which is headquartered in Indianapolis, IN. The interest you earn on your HSA is tax deferred until you are 65High deductible health insurance translates into lower premiums since you are now assuming more of the risk your plan pays for.Family plans have only one deductible for the entire
The evidence continues to grow that the choices and the quality of care provided to those who rely on public funding is much more limited than for those who can pay privately. Nursing homes that rely on Medicaid funding are seriously under-staffed, their personnel are often poorly trained, staff turnover exceeds 50 percent a year, and the situation is expected to get worse, not better as our population ages.
Today, placement in a nursing home when we become frail and in need of help, can usually be avoided. If you'd rather receive care at home, in an Assisted Living Facility, or otherwise maintain your independence and your choice of care providers, consider such long term care financing alternatives as private long-term care insurance, a federally guaranteed reverse equity mortgage,or a Life Settlement which allows you to sell an existing life insurance and use the funds to pay for your care now.
Because long-term care insurance requires you to be in good health, this planning option is not available to everyone, especially older applicants for whom the premiums may also be prohibitive.
Some newly developed financing alternatives such as life insurance policies with a long-term care rider and fixed annuities that also have long term care riders should also be explored before deciding on the planning path that best suits your unique needs.
Because a review of these options can put the average person on "information overload" Informed Eldercare Decisions, Inc. has developed an information kit that is designed to provide an overview of long-term care planning alternatives in a consumer friendly format. A "Personal Long-term Care Planning Profile" form is also provided. This will help to get a more specific picture of what planning choices make the most sense. This information will help us to prepare a specific set of recommendations including the costs, the tax implications, and the pros a
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