Long Term Care Costs and How Age, Health, and Location Affect It

For those who are interested or are planning to avail an LTC insurance policy, the long term care costs and other rates have always been a primary issue. Some of the individuals who find it expensive usually do not immediately buy a policy and would rather wait for some time believing that the price might somehow be lower in the future.

Unknown to them, the rates increase by as much as 10 to 12 percent every year, making it pricier and more expensive in the coming years. This means that those individuals who postponed their policy acquisition might not be able to purchase an insurance plan with cheaper prices as what they have expected.

To date, there are only 10 million Americans who presently own an LTC insurance policy as compared to the 32 million who are still uninsured and have no plans of availing one yet. This number alarmed the government and made them develop and create LTC policy options that would cater to the financial capacities of the majority of the American population.

These programs and alternatives that the government have implemented have cheaper monthly premiums hoping that it would attract and encourage the residents to seriously consider purchasing an LTC insurance plan for their LTC needs in the future.

But if an individual opts to avail an insurance plan from his preferred insurance company, he must be aware of the different factors that they consider in order to get lower rates and monthly premiums. According to some insurance industry experts, there are still ways of getting more affordable long term care costs if the public is just properly informed of these factors.

Age is one of the major aspects that most insurance companies consider. If the applicant is younger and has stable financial resources, he has bigger and better chances of being granted inexpensive plans than those who are older or nearing their retirement years.

The current health condition of the individual will also be considered, together with the medical background of his family. This is important to identify the possible illnesses or diseases that are usually hereditary, that the individual might have in the future.

The person who plans of getting an LTC insurance plan in the future must also know the rates of LTC services in the area or region where he plans to spend his retirement years and receive his policy benefits. The reason is because the costs of LTC services and facilities vary depending on the state where the individual will live while using the benefits of his insurance policy.

There are some areas that have more expensive rates than the others but this does not mean that the quality of the LTC services and facilities are affected. All of LTC service providers in the country assure the policyholders that they are only going to receive the best and highest quality of services and facilities that they need, no matter what type of LTC insurance plan they have purchased.

If more people would start considering buying an LTC insurance plan as early as now, they do not have to worry about expensive long term care costs, and as a result, more people would live a more comfortable and worry-free lives in the future.

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Using Twitter For Marketing - Things You Need To Know

Here's a few top strategy tips I am going to share with you that lets you know why you need to be using Twitter for marketing.

Twitter is a fantastic place for you to promote your product, opportunity or service online.

If your going to use Twitter for marketing, a principal tip of mine is you should make it conversational.

You must remember that on Twitter people are there to meet other people and chat, so don't just push your product, opportunity or whatever your trying to promote in front of people, because they'll think to them selves that it's just another promotional link and wont want to know about it. Instead you should fit your tweet into what people are talking about and eventually introduce your product or opportunity to them.

The "bad thing" about Twitter is that everybody is trying to sell something, and the "good thing" about Twitter is everybody is trying to sell something. So it's easy to stand out just don't do what everyone else is doing.

You should relate to people, don't try sell to them.

Use the rules of attraction marketing and offer content and value.

From time to time you should share motivational quotes and upload some fun pics with twitpic.com

There's a program that shortens your links called su.pr and you can use it to shorten your links on Twitter, it's a totally free tool and it also tracks your clicks!

With all the free traffic that's on Twitter, when you are in a conversation with people you should try send them to your blog if you have one, a blog is a great place for people to get to know you better and it can help form trust between you and your potential customers, then you could introduce your product or opportunity to them.

One thing you have to remember when using Twitter for marketing is that it is a social media and you have to offer value and be conversational, you can not respond to people with hard sales tactics. These social media sites don't like this and you will have to abide by their rules.

If you offer value and solutions to peoples problems, most people will re-tweet your link and that is like a referral from them, so the people who follow them will check it out too.

Don't forget that the more people you follow, that you think might be interested in your product or opportunity the better, because then you'll get more of an audience to see what you have to offer.

So there you have it, using Twitter for marketing is a fantastic way of letting people know what you have to offer them once you use the right tactics.

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Facebook Marketing Is GOOD for Business

A couple of years ago it became apparent that an online site would help build sales for business. Facebook has grown since then and has become the MOST trafficked of all Internet websites.

In fact Facebook now gets more daily visitors than Google and Twitter combined. And this traffic needs to be directed to your site.

The new Timelines, though different from what many have become accustomed to, are allowing many unique changes in Facebook. This will allow you to do many things that before were too technical for most business owners to attempt on their own.

So what should a business do?

1. Build a Business Fan Page using a Timeline Template. Many are available free, just search Google. Learn more at Facebook, go to About and Timeline for training videos.

2. Include a Squeeze page on your landing page which requires your visitors to join in order to receive their Free Gift. This gift is free, but of great value. It is the first thing received by your visitor and needs to convince them of the value of your work. Research Squeeze pages using Yahoo Answers or just Google it.

3. Having captured their name and email address you will stay in contact with them. Continuing to teach and share your business skills until one day they need you. The emails need to be well thoughtout and follow a system. Do not leave this part to chance. Using an Autoresponder such as Aweber or GetResponce will provide great additional training on Email Marketing.

4. Every few emails you will offer them a discount, coupon or something else of value which will encourage them to stay on your list. It is by offering value that you will be able to keep your list growing.

5. In addition to capturing those that come to your website you must seek out those who would have an interest in your products or services. This is Facebook Marketing at its best. Learn all that you can as quickly as you can.

The best way to take advantage of the 800 million visitors to Facebook each day? Advertise to them. Facebook has guidelines that if followed will allow you to contact those most likely to need or want your products or services. More focused than any other Internet marketing method. Virtually the best advertising opportunity available anywhere.

So be sure you begin to take advantage of Facebook. You, your business and your customers will be glad that you did.

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Introducing a New Web Site

You're Fired is a book that tackles the real stories behind the two little words that pack so much punch.

This is in EBook format.

With new stories from the readers, this book will have no end.

Take a look for yourself: [http://www.yourefiredbooks.com]

The site offers a Spa package for the first one hundred buyers and each month a new offer will be posted to all customers. The purpose of this book is to awaken the spirit and recharge the batteries of the entreprenuer inside all of us. This book gives a new forcus on being fired.

Each person deals with such things in unique ways. Tristan Becker has shown us just how unique she has dealt with hearing the works "You're Fired!" And the stories in this bright and spunky book show us how others have dealt with those words in their unique ways.

You can purchase this book through the site and tell your own story if you have one to share. There are more people being fired these days, that the topic has long passed being taboo.

I found the author has a twist of humour that is obvious through out the book which makes the reader feel at ease and allows for a much better reading experience.

But like I said before; don't take my word for it.

Visit and enjoy.

Inspiration for the Fired Soul   Introducing a New Web Site   

Introducing a New Web Site

You're Fired is a book that tackles the real stories behind the two little words that pack so much punch.

This is in EBook format.

With new stories from the readers, this book will have no end.

Take a look for yourself: [http://www.yourefiredbooks.com]

The site offers a Spa package for the first one hundred buyers and each month a new offer will be posted to all customers. The purpose of this book is to awaken the spirit and recharge the batteries of the entreprenuer inside all of us. This book gives a new forcus on being fired.

Each person deals with such things in unique ways. Tristan Becker has shown us just how unique she has dealt with hearing the works "You're Fired!" And the stories in this bright and spunky book show us how others have dealt with those words in their unique ways.

You can purchase this book through the site and tell your own story if you have one to share. There are more people being fired these days, that the topic has long passed being taboo.

I found the author has a twist of humour that is obvious through out the book which makes the reader feel at ease and allows for a much better reading experience.

But like I said before; don't take my word for it.

Visit and enjoy.

Inspiration for the Fired Soul   Introducing a New Web Site   

California Auto Insurance Permissive Use Restrictions

Many California auto insurance policies offer permissive use coverage that generally extends coverage to operators that are not specifically named as drivers on the policy. There are many general misconceptions with regards to this coverage, as well as, many restrictions that not all consumers are aware of. The broad basis of permissive use coverage does extend coverage to all drivers not listed on the policy that use the vehicles that are specifically insured but industry standards have changed significantly to eliminate fraud and ensure that the appropriate premiums are assigned per risk.

One restriction that many insurers in California have adopted is the exclusion of additional household residents from the extension of coverage. Additional residents have regular access to the vehicles, and insurers now require that all residents are declared and named specifically as rated drivers or excluded drivers from coverage. These principals have been adopted to ensure that premiums loss ratios remain and company profitability remain protected. Without these stipulations within the insuring agreement, there would be no need for parents of youthful operators to pay additional premium to have their children covered by the policy itself. Without the appropriate premiums being assigned to the risk, all insurance premiums would be impacted to ensure profitable premium loss ratios.

Another restriction that California auto insurance companies have put into place for permissive use is to lower the limits and limit the coverage that extends to drivers that are not listed as rated on the insurance policies. Often times, the liability limits are reduced to the state minimum coverage. This means that in the event that the consumer carriers bodily injury protection of $100,000 per person with a $300,000 per occurrence limit and $50,000 for property damage and a permissive use driver is involved in an accident with the vehicle that the coverage limits would automatically be reduced to $15,000 per person and $30,000 per occurrence for injury and $5,000 for property damage. Other insurance carriers have also gone as far to eliminate some of the coverage that transfers over. The primarily impacts policies that have collision coverage. This means that if a consumer has collision coverage on their vehicle and a permissive use driver is involved in an accident that the collision coverage may not apply and the insured would be responsible for the damage to the vehicle. Many companies with these restrictions will provide age based requirements. An example of this would be eliminating collision coverage from extending to permissive use drivers under the age of 25 years old.

It is important for consumers to review their declarations and policy jacket to find out all of the details of their permissive use coverage and any restrictions that may apply.

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