By Bill O'Quin
It would be nice to believe that health-care cost increases were a temporary phenomenon. Unfortunately, that’s not the case. The cost of medical care has outpaced inflation for the past 20 years, and predictions are that medical and long-term care costs will continue to escalate into the future.
The decisions we make as to how and where we live in retirement are unique to each individual or couple. The options open to us, however, are frequently determined by our financial resources—our ability to pay. The following are various ways to pay for health and long-term care costs during retirement, which can help you as you make decisions regarding your retirement plans.
By Jaimee Niles
The holidays are fast approaching, and high on the to-do list is the annual quest to find the just-right gifts for your loved ones. You probably have very specific criteria: You want something that addresses their needs, not just satisfies their desires, and something that will last beyond the holiday season.
You probably have no shortage of gift-giving ideas, but here’s one item you may not have considered: getting life insurance for yourself. Yes, yourself. You see, life insurance is a way to show your love year ’round, and is a gift that will keep on giving, even when you are no longer here.
"People buy life insurance because they love someone. My life is proof of that"
When I was 17, my father, who was just 52 years old at the time, was diagnosed with colon cancer. Sadly, his cancer progressed and I watched him become sicker and sicker. Finally, when I was 19 and my father was 53 years “young,” he lost the battle to cancer.
Although I was too young to appreciate it at the time, looking back now, I can see how fortunate we were that our life insurance agent had always been looking out for us—even if my parents thought he may have been a little too eager.
By Yen Wei Nee
How we queue every days in our life just to buy foods and etc.
<==== Is this the way you queue ?
Try to see this how they queue without number calling system ?
This is how they go on to settle their queue problem. It is because they have to queue no matter how hard it is, some might be give up because of the queuing tiredness. But some take the opportunity to solve the queuing problem.
"Do not give up on yourself no doubt you are living in a bad environment, think positive and straight up a head to deal with challenge you face everyday."
By Wendy Connick
How much time do you spend prospecting for leads? Try to estimate roughly how many hours per week you invest in sales prospecting activities. Now eliminate all activities that don't include getting in touch a lead and trying to get an appointment. Reviewing lead lists, composing scripts and emails, planning events, etc. are all great and useful activities, but they aren't prospecting activities – they're pre-prospecting activities. If you eliminate those hours from your estimate, that's how many hours you've ACTUALLY spent prospecting. And if you're like most salespeople, that revised number is pretty small.
Risk Management & Insurance are universal and lies at the heart of all economic activities of individuals and businesses. Though effective use of risk management & insurance techniques, we attempt to use our limited economic resources - capital, land and labor - efficiently to further our economic well being. Scientific, technological and managerial developments have afforded us the ability of dealing with many of those risks. It is true that, frequency of loss has been decreasing for many technologically sophisticated processes and activities, but the adverse consequences of losses that do occur have increased. For example, the combined effect of a growth in population, a rise in property density and value, and expanded interactions among people across national boundaries have resulted in higher frequency and severity of catastrophes losses.
The insurance of risk management offers numerous, albeit less apparent, benefits to individuals. It can reduce production costs, which in turn can make goods and services available to consumers at a lower cost. A reduction in the number and severity of injuries should reduce the drain on expenses to family, the need for welfare programs for injured persons, and taxes needed for the support.
The insurance of risk management most often refers to as unintended outcomes. For instant, issue such as typhoon causing property damage and human casualties, unintended fire causing losses of house, flood causing vehicle damages, hence risk management and insurance are interrelated and definitely is a needed for an organization and personnel to protect the right as well as minimize greater risk exposure.
Hi I am Yen Wei Nee
I have been in insurance industry for 17 years and would like to share here with you my experience and information that is now changing our lives.