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Trustworthy government?
Posted by Frederick W. Gardner on June 24, 2008 at 11:41am — 6 Comments
Why as an adult I still sleep with the LIGHTS on
Posted by Seven on June 10, 2008 at 2:15am — 19 Comments
Britney Ubiquitious
Posted by Frederick W. Gardner on February 11, 2008 at 2:30pm — 2 Comments
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Music for a new generation of Humanity!! 2 Replies
Dearest Souls- blessings to you xxxx I would like to introduce you to my band SAY as we are launching our album 'MULTIVERSE' on January 26th 2009 in the UK and the 27th February for the rest of th...
Tagged: harmonious, melodic, harmonies, SAY, multiverse
Started by Jay Stansfield in GENERAL FORUM. Last reply by Don McCarty Sep 24.
Synchronicties, coincidences, and noticing the little things 23 Replies
I have recently opened myself up a little more by tapping into the universal energy and believing. As a result I have started to notice more and more signs along the way answering questions that fl...
Started by damien in GENERAL FORUM. Last reply by Hector J. M. May 13.
Do we really care about GLOBAL WARMING ??? 154 Replies
We people don't care about tomorrow, we don't care whats going to happen after 100 yrs, and in every warning given to us about G.W (Global Warming) by everyone around the planet says that if we don...
Started by Vishal Trivedi in GENERAL FORUM. Last reply by astrogoodwin Aug 20.
Dream Work 17 Replies
Each of us have dreams.......as children some of us had nightmares.....some of us have children that come to our beds at night seeking our silent protection that just being near us.....beneath the ...
Started by Larry D. Matyas in GENERAL FORUM. Last reply by Larry D. Matyas Nov. 17, 2008.
Stepping up in Consciousness 71 Replies
Lets talk about ways to increase our awareness!
Started by Rev. Kunga Ganesha Bagawan Das C.R.M.T./NLPT, Zen Chaplain in GENERAL FORUM. Last reply by Jay Stansfield Jan 21.
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Notes
Notes Home
This is a test of a new "notes" feature.... Stay tuned.
Test of Virtual Age calculator:
Virtual Age Calculator -- Fun Reminder for Good Health
It's not to be taken too seriously, though based on research findings. Use it for fun and as a reminder of good-health lifstyle habits and practices, which contribute to longevity and vitality, every day of your life. Note the emphasis on mental / spiritual practices,
… ContinueCreated by May 22, 2008 at 5:08pm. Last updated by Dick Samson Feb 21.
Test note 2
Another test of the notes feature.
Test link to EraNova.com
Link to Test note 3
ContinueCreated by Dick Samson Feb 15, 2009 at 6:50pm. Last updated by Dick Samson Feb 15.
Test note 3
Another test Continue
Created by Dick Samson Feb 15, 2009 at 6:52pm. Last updated by Dick Samson Feb 15.
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Long Term Care Alerting Methods Revealed by Industry Leaders
Consumers and professionals with an interest in long term care insurance need no longer dig so hard for information. Now they can do as the pros do: have the information come to them, in bits and pieces as it develops.... (Send2Press Newswire)Long-term care insurance legislation introduced
Representatives Ginny Brown-Waite (R-FL), Earl Pomeroy (D-ND), Charles Boustany (R-LA), and Allyson Schwartz (D-PA) on April 24 introduced legislation to expand access to long-term care insurance and strengthen consumer protections of these insurance products. The Long-Term Care Affordability and Security Act of 2009 would permit long-term care insurance to be included in employer-sponsored cafeteria plans and flexible spending accounts, enabling people to pay long-term care insurance premiums using pre-tax dollars..... (Citrus Daily)Washington State Long Term Care Insurance Executive Wins Coveted Judging Position
Jonas Roeser, Senior Vice President of Marketing and Operations of LTC Financial Partners, LLC (LTCFP), has been chosen to be a judge in round 1 of the 2009 International DMA ECHO Awards.... (PR Newswire)Long-term health care costs can put retirees’ plans at risk
The high cost of long-term health care will drag down the quality of life for nearly two-thirds of today’s retirees. It can cost $77,000 a year for a nursing home room and $20,000 for in-home care, expenses that many people are ill-prepared to absorb, said the Center for Retirement Research at Boston College. A new analysis shows that when the cost of health care and long-term care is included, 64 percent of retirees likely will be unable to maintain the lifestyle they had before retirement.... (David Pitt, Associated Press)'Medicaid Planning' Is the Wrong Call
Q: "My sister says our family should begin elaborate 'Medicaid planning' to shelter our elderly parents' assets and make them look poor enough to qualify for government-paid nursing-home assistance, even though they're in good health today. I think this is unethical. What do you think?" See Knight Kiplinger's answer.... (Kiplinger's Personal Finance, in The Washington Post)Preserving Your Retirement Assets
In reality, by not allocating funds for long-term care insurance you are placing at risk everything that you have worked for. That includes your retirement account, home equity, savings and investments. (CourierPostOnline)Retirement Investing: The End Game
If you're approaching retirement, finding safety for your investments -- especially in this environment -- isn't as easy as locking your money away. (MSNBC)Moneywise: Taxes and long-term care plans
The weak economy is prompting many to look at their financial-stability buffers. Several readers have inquired about how to make informed purchases of long-term care (LTC) insurance.... (DailyBreeze)No Bailout Needed: Long Term Care Insurance Leader Declares Dividend, Plans Strong 2009 Growth
In a development that should draw smiles from President Obama, this month LTC Financial Partners LLC (LTCFP), one of the nation's most experienced long term care insurance agencies, will pay its shareholders $1,228,820 in dividends, an increase of 10-percent per share over last year. (InsuranceNewsnet)Long-Term Care Out-of-Pocket Costs Higher Than Reported
The costs of long-term care continue to increase, with many families footing the bill by reaching into home equity, retirement savings and personal finances to a greater extent than previously thought, according to a recent study ....(Senior-Spectrum)
John Hancock Introduces New Needs-Based Tools for Long-Term Care (LTC) Insurance Marketing
John Hancock is launching a set of needs-based marketing and prospecting tools to help financial representatives reach out to consumers and grow their long-term care insurance business. Included are new brochures, new direct mail tools such as letters and postcards, as well as seminar materials. (PRNewswire)Health and Fitness Tops Consumers' List of Worries, According to Northwestern Mutual Charitable Campaign
When Northwestern Mutual asked people to let their worries go as part of an engaging interactive website, more than 42,000 visitors to the site chose Health & Fitness as their top concern. Based on these votes, the Northwestern Mutual Foundation has decided to contribute $400,000 to Activate America(R), the YMCA's response to the nation's health crisis ... Northwestern Mutual and its subsidiaries offer a holistic approach to financial security solutions including: life insurance, long-term care insurance, and other products. (PRNewswire)4 Ways to Cover the Cost of Long-Term Care
Out of your pocket, Medicaid, long-term care insurance, and a reverse mortgage. Which is right for you?. (U.S.News & World Report)7 Tips for Buying Long-Term Care Insurance
LTC policies are complicated, and timing is tricky. But they may be a sound purchase for some people, consumer advocates say. Seven key factors should be taken into account. (U.S.News & World Repor)Industry Leaders Applaud Formation of Long Term Care Insurance Guild
As the need for long term care insurance grows, agents and allied professionals face the challenge of reaching prospective clients efficiently and with a high level of professionalism. And the public faces the challenge of finding qualified agents in their geographic area. A new organization will aid the pros as well as the public: the Long Term Care Insurance Guild, or LTC Guild for short. (Insurance NewsNet)Will Health Reform Include Long-Term Care?
Long-term care financing is the 800-pound gorilla of social problems waiting just around the next bend in public policy.... Will Health Reform Include Long-Term Care? In a word: No. (Gerson Lehrman Group)Study debunks long-term care Medicaid 'myth,' researchers say
More individuals are willing to pay privately for long-term care services than previously thought, authors of a new study assert. (McKnights)Study Reveals Benefits of Starting Long-Term Care Planning Prior To Retirement
A study of over 250,000 individuals who purchased long-term care insurance last year reveals the significant benefit of starting the planning process in your 50s, prior to reaching retirement age. The research was conducted by the American Association for Long-Term Care Insurance (AALTCI). (BigNews)Nursing home costs force choice between welfare and impoverishment
Suppose you are living the American Dream: you own a house and you have saved enough for a comfortable retirement. You have children and your children have children. Then a bad thing happens ... (Daily News Tribune, Waltham, MA)Customizing Policies Can Cut Down Insurance Costs
"Purchases of long-term care insurance and life insurance are often driven by emotion, and that's not smart," says Frank Boucher, a certified financial planner at Boucher Financial Planning Services in Reston, Va. "It's really important to understand all of the provisions of ... policies and balance them against ... expected needs." (TheDay)Products & services
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