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Introducing the Best Available Long Term Care Policy Guarantee
If you are 60 to 70 years old ... or have a family member who is ... then what you are about to discover could help prevent the complete erosion of your estate. In fact, it's probably the most important asset you could ever own. Let me explain why. For over 24 years, I have helped hundreds of individuals understand and implement money saving ideas. From the birth of an innocent newborn to the demise of a crafty senior I've witnessed families in every financial situation imaginable. As my clients age (and me along with them), I can tell you without hesitation the biggest fear of growing old is losing your ability to remain independent. Although we are living longer, we are not necessarily living better. Chronic disease is rampant ... and it strikes with a vengeance when you least expect it. How many people who have experienced a stroke knew it was going to happen to them? How many anticipated that particular moment when they began to forget things? The facts speak for themselves. Literally millions of Americans require long term care ... either in nursing homes, day care centers, assisted living facilities or in their own homes. And the cost of providing this care is outrageous with no end in sight. Now, if you think it will never happen to you ... I'm sorry. This article doesn't try to convince anyone about the likelihood of their needing care before they die. It's meant for those who understand and appreciate the need to arm themselves with protection against the horrific expense of long term care. In fact, this article is ideal for those who have already looked at traditional types of long term care policies and are trying to determine which type is best for them. One of the biggest objections to buying a long term care policy is that if the benefit is never needed the premiums paid for the policy will be wasted. This is somewhat like buying automobile insurance. You have to pay the premium in order to get your car repaired. But what if you never have an accident. Is that considered losing your premium? Funny isn't it? People hardly question paying for car insurance, but they frequently resist doing so for a long term care policy. So... what if you could always get your premium back - guaranteed - if you never require any long term care? And, what if you die before receiving long term care? Wouldn't it be great if your loved ones could recover 100% of your premium expense? How about this? You actually use up all of your long term care benefit. And then you die. What if your family could still get back 10 percent of your premium. Now if you know anything about long term care policies you are probably wondering why you haven't heard of this type before. One reason is because it is non-traditional and not included in the mainstream marketing of long term care policies. Another is because it takes a large sum of money to buy the policy. $50,000 is typical and it's a one-time single premium, which means you will never get stuck with a premium increase. It is not uncommon for people between 60 and 70 to have large sums of money stashed away in bank CDs earning low interest. Kind of an emergency fund. Transferring a portion of this fund into the policy makes sense because the money continues to earn interest. Besides, it usually pays more than the bank ... plus, the policy interest is tax deferred. It's also common for people this age to have old life insurance policies with significant cash value. Many times it's possible to transfer the cash into the long term care policy and still retain a meaningful death benefit. And the future long term care benefit could easily be worth over one million dollars. This policy has a 90 day waiting period before benefits are paid. The length of the benefit can be as short as 4 years or as long as your lifetime. You can also get a 5% compound interest inflation protection rider to help keep up with the rising cost of care. The name of this policy is MoneyGuard. It is a universal life insurance policy with a long term care rider. The issuing life insurance company is Lincoln Life, a subsidiary of Lincoln Financial Group. By the way, this policy was initially developed by Penn-Pacific Life many years ago. They have years of experience and an excellent reputation. Lincoln recently bought Penn-Pacific. Ask your life insurance agent to get you more information about this single premium policy. For the right situation it is absolutely the best guarantee in a long term care policy. Don Adams is a 24 year veteran financial consultant who has helped hundreds of individuals solve a variety of problems related to money matters. More information is available at http://personal-finance-on-the-net.com
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Alternative Medicine Caregiving Across The Miles?Tips for Successful Long Distance Caregiving Caring for a parent or a loved one is a difficult job. Your duties as a caregiver become increasingly difficult as the miles increase between you and your loved one. The following are a few helpful tips in order to plan ahead in the event your loved one needs your help, as well as ideas on how to become a successful caregiver once your caregiving duties begin. What About Tennesse Dept. of Human Services Abuse of the Elderly and Their Families? PART I: Physical Abuse of the Elderly vs. Tennessee DHS Abuse of Families Angels Are Reaching Out to the Elderly I am reminded time after time of the profound effect Angels have on people. Recently, I have been receiving many emails containing examples of how the Angels are reaching through the veils to assist the elderly. The elderly respond to Angel Paintings with a knowingness of love and illumination that comes from within them. Sometimes the reactions have been as though they are recognizing an old friend. Stair Lifts - Straight and Curved Rails There are two types of stairlift. Straight and curved. The first is designed for straight stairs. The footrest of the lift will normally stop level with the top stair. It may be possible to use a straight stairlift on some configurations of curved stairs. Arizona Assisted Living: Resident Rights According to the Arizona Administrative Code (R9-10-710), those who reside in assisted living facilities in Arizona have certain rights. In addition to having the right to live in an environment that promotes dignity, independence, self-determination, individuality, privacy and the right of choice, the following are a few of the rights given to residents who reside in assisted living facilities: Second Hand Stair Lifts Buying second hand stair lifts is a viable and cost effective alternative to purchasing a brand new stair lift. Most stair lifts can be purchased new or second hand. Strategies on Paying for Nursing Home Care and Medicaid The decision to place your loved one into a nursing home is an extremely difficult decision, often causing much guilt for the caregiver. It is a very emotional decision for most clients we see and most are under a certain amount of stress, often great, when facing what they consider to be a drastic course of action. As the Baby Boomers Age Many employees today are calling in sick - not to care for themselves or their children, but to care for their aging parents. Baby boomers are rapidly moving into the role of caregivers for their parents, but with a few extra challenges due to the changing face of our workforce. Nearly 25% of U.S. households are now involved in caring for a senior family member, spending an average of 20 hours a week in caregiving services. Nearly 65% of those individuals providing the caregiving are employed outside of the home. According to the National Alliance for Caregiving, approximately 15 million days of work per year are lost due to these circumstances. These numbers are forecasted to increase since the longevity of life is being extended by modern medicine. Advocate For Senior Citizens Protecting Against Abuse and Fraud Ruth is 87 years old this year and has been living alone since 1997. She is in good health, however the daily chores around the home became increasingly difficult. Ruth turned to her church bulletin and found a 'Home Care Company' advertised. Senior Living: 5 Ways to Help Reduce the Risk of Falling Every year we hear stories of seniors falling, ending up in hospitals and never fully recovering. Unfortunately, these falls often result in death. According to the Centers for Disease Control and Prevention (CDC), falls are the leading cause of injury related deaths for seniors age 65 and older. Every year, approximately 35% to 40% of seniors over 65 years of age fall at least one time. The following are five ways to help reduce the risk of you or a loved one from falling: The Best Investment You Can Make Right Now: Long Term Care Insurance Don't think you need it? Consider this: a full 50% of Americans over the age of 50 will need long term care at some point in their lives. The average cost of nursing facility care (or home health care assistance) is $61,000 per year, and the average stay in a long term care facility is 2½ years. Can you think of a faster way to decimate your nest egg? Introducing the Best Available Long Term Care Policy Guarantee If you are 60 to 70 years old ... or have a family member who is ... then what you are about to discover could help prevent the complete erosion of your estate. Alzheimers Care Giving While Maintaining Your Own Health Just for a moment I want you to imagine that you are coming out of a very deep sleep. If you have ever had surgery try to remember the way you felt as you were trying to make sense of things as you awoke. As you imagine or remember this sensation do you find yourself wondering if it is morning or night? Are you trying to remember where you are? Do you have a startle reaction and think for a moment that you are late for work or forgot to pick up your children at school? I have had that upsetting feeling if I wake up in the middle of the night or even after a nap. Now imagine that same fog every moment of your life....... Review of the Changing Protein Requirements for Seniors Youth, it is said, is wasted on the young. Too busy figuring life they hardly take the time to enjoy it. Fortunately, with medical research and scientific progress, lifespans have doubled over the last century. We can now start life at fifty and have another go at youth. Health consciousness, appropriate diet and exercise, can make the later years of life a pleasant experience. Dietary principles play as especially important role in this regard. Compensating for the physiological changes of aging, they can give us better odds at achieving our genetically determined lifespans. Honey, Where Are The Car Keys? Q: My mother is always losing, hiding and hoarding things, I am losing my mind! What can I do to get her to stop? Whos Gonna Take Care of You When Youre Old? I finally went to the doctor this morning for my bad cold. My appointment was for 9:30 am and yet I did not get home until after 1:00 pm. Arizona Senior Housing: Care Options for Seniors Who Can No Longer Live Alone The following are a few of the care options available for seniors who can no longer live on their own and require assistance with their Activities of Daily Living (ADL), or require skilled nursing care. Every state is a little different in terms of availability and cost, state regulations, and the specific names used for each care option: Just Give Them a Lot of Love and You?ll be Fine It was right about this time, 19 years ago. My wife and I were sitting in the very last Lamaze birthing class, soon to be brand new parents. I felt a wave of anxiety come over me. I had to ask the question. I raised my hand. The Nurse, her name was Dorinda, pointed at me and said, "Yes, you have a question." Did I have a question? I just knew EVERY Dad was wondering the same thing? "You have given us some great information, almost too much. I am afraid I am going to forget all this stuff?then what?" I could feel the other Dad's nodding. She smiled; she was very wise and patient. She had taught thousands of new Dads. "That's a great question," pausing for effect, she continued, "That little baby doesn't know you don't know. Just give him a lot of love, you will be fine." It turned out to be the best parenting advice I ever received. The Dryer Ate Your Underwear! Q: My mom is in the early stages of dementia and she is also incontinent we have tried to get her to stop wearing her underpants and have her start wearing pull-up diapers, she throws the Depends out the door and puts her underpants on. Of coarse we have a lot of laundry! How should I handle this? The Truth About Christmas Every year, as Christmas approaches, you hear Christmas carols everywhere. Sometimes to the point where another Silent Night would make you want to silent the sound system. Everyone is scrambling to buy Christmas gifts for everyone in a list that seems miles long. The queues to pay up and the queues for a parking lot seem endlessly long too. Christmas cards are sent out to friends and family, some of whom you might not have seen for years. Beautifully decorated christmas trees pop up every where. Buildings are dressed in lights, mistletoes, bells, and other Christmas decorations. Santa Claus, his elves and reindeer are seen every where. Kids get more and more excited as Christmas approach. Even grown ups prepare for the onslaught of Christmas partying during that time of the year. Party dresses are purchased. Everyone gets ready to dress to their nines. In all this excitement, do you know what you are celebrating? What is Christmas actually? It sometimes seems like a brillian invention of the toy makers to push sales of toys to all the parents around the world. A sales marketing ploy of the retail industry. Actually, Christmas is the celebration of the birth of Jesus Christ. Long ago, a little baby was born to a girl who was still a virgin. The baby was born in a manger, among the animals, yet angels proclaimed his birth. Wise men followed a star that marked his birth and presented him with precious gifts, to pay homage to him. It all seemed so beautifully sweet.. until you realise the reason why this child was born. This baby was born to die. To be crucified on the cross while still in his prime. Killed alongside murderers, on the insistence of the crowds, even though he had not committed a crime... days after being welcomed into Jerusalem by crowds of people waving palm leaves, shouting Hosanna, praising him. It was a gruesome death. He was whipped and then his body, all covered with blood, still a live, was nailed to a cross and left to die. Upon his death, the skies turned dark. There was an earthquake The curtain separating the holiest place in the temple in Jerusalem from the rest of the area was torn in two. 3 days later, his tomb was empty and the heavy stone was rolled away. His disciples and those close to him saw him. He spent time with them, ate with them, showing he was alive and not a ghost. Later, while talking to a crowd of people, he rose up in the sky disappeared into the clouds. All this happened for a reason. The first man and women, Adam and Eve disobeyed God. That was the first sin. From then on, every one of us sins. A tiny white lie, doing what we know we shouldn't do... The penalty for sin is death. The only one who did not sin is Jesus. Jesus is the Son of God. Mary was a virgin when she conceived Jesus. Jesus had to die on the cross to win forgiveness for anyone who chooses to accept his gift. The real Christmas gift. Sounds far fetched? That's why they are called miracles. Miracles are still happening today. All over the world. Check out Lighthouse which has miracle services every Saturday. You can read the pastor's latest sermon each week there too. A good resource that explains every detail of the Christmas story is http://www.answersingenesis.org/ Actually, that site explains the creation vs evolution theories, dinosaurs and a lot more. So the next time the pressures of Christmas preparations drive you up the wall and you wish you could kill the person who invented Christmas, don't worry. You already have.
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