Is Your Financial Planner Going To Pay Your Long Term Care Bills?

I always like to ask my clients, "Will your financial planner be willing to pay your long term care bills, will they have access to good quality Home Health Care Providers?" Many lawyers and advisors are now reluctant to recommend against Long Term Care Insurance for fear of law suits later on, from children, when hundreds of thousands of dollars were required to pay for their parents long term care bills. Planners who fail to recommend coverage are more times than not, unaware of the real RISK of needing care one day. The senior has now become the GREATEST financial risk that Americans face today. The majority of them are unaware of it because let's face it: No One wants to think about needing Long Term Care. It is going to happen to someone else! Long term care bills are the biggest reason for financial failures among seniors today. Yet there are a lot of Financial Planners and Investment Advisors who will say that you don't need Long Term Care Insurance. If you already have a lot of money, perhaps you don't! The question is: Would it be a smart decision to have this coverage? What we are seeing today are many Financial Planners split on the subject of LTC Insurance. You will hear some say that if you have any resources you should not be without it, that it is an integral part of financial planning, while others think if you have enough money you should self-insure. Who is right? Every financial advisor I talk with would recommend long term care coverage if he knew in advance that his client would need several years of long term care. Do the math. In a state where long term care bills are averaging $170 per day, and the average premium is $4000 a year for a couple, aged 60, and they live another 20 years, they have paid out $80,000 in premiums for the peace of mind that they will not go broke. Without the insurance, they could end up paying over $80,000 in less than two years for ONE OF THEM on the advice from a Financial Planner telling them that they DON'T NEED IT! It must be concluded that Financial advisors who recommend against LTC Insurance figure you are not going to need care since they would recommend you obtain coverage if they knew you were going to have to spend several hundred thousand dollars. You should find out from the advisor what is the BASIS for their prediction? Also, be aware that Advisors are sales people. They are in the business of making you money. If you purchase Long Term Care Insurance, you have less money for them to manage! The decision is yours. At this point in your life, are you more interested in making a few more thousand dollars a year or are you more interested in protecting what you have already earned from the most DEVASTATING financial risk that people face in America today? One of the biggest financial mistakes a person can make today is needing Long Term Care and having no coverage! Is this a mistake you want to take a chance on making? Seek out a LTC Insurance Specialist to help you make the best informed decision for you and your family. Remember, your Financial Planner or Advisor is not going to pay your long term care bills. You will!About The Author:Georgia McClure is a Long Term Care Finance Specialist residing in Tampa, Florida. A recognized expert in planning for the cost of Long Term Care, For more information on LTCi visit http://www.longtermcareinsurance-guide.com/long-term-care-bills.html

What is the Source of Your Next Opportunity?

What is one of your biggest problems or concerns today? Is it your financial situation, your health, your job, or lack of job, or any of dozens of others. What is your foremost dream and desire? Is it financial independence, great health, relocating to your paradise, or helping others achieve their dreams? Consider the next question very carefully. How do you view your problems or concerns and your dreams and desires? Do you see them as insurmountable and unattainable or do you see the many opportunities associated with your problems or dreams? In every situation there are opportunities, even some life changing opportunities. The truth is, there is a fortune in each of your problems and dreams. The number of opportunities from one circumstance is amazing. Opportunity is defined as “a combination of circumstances favorable for the purpose”, and “a good chance”. It is interesting that some of our biggest problems create the most favorable circumstances, or opportunities. Many of the world’s great creations and breakthroughs have been the result of someone solving a problem, or perceived problem. Richard Simmons built an exercise empire out of his problem of being overweight. In an attempt to solve his father’s health problems Robert Jarvick invented the artificial heart. Both afore mentioned individuals contributed much to our society, and in the process created wealth for themselves. The list is extensive of those individuals who have taken great action in the face of what they considered problems, and great opportunities. There are three key elements to the foregoing examples. First is the perception of a situation, or problem, which needs changing. Second is the vision to see an opportunity and a solution for that problem. Third is taking consistent, persistent action to make that vision a reality. Each day new opportunities come our way. At the very basic level we always have the opportunity to be better at what we are doing, which often leads to unimagined, even life changing opportunities. Author and coach Jim Rohn puts it this way. “Every person you meet – what couldn’t it be? Unlimited! Maybe a friend for life. The next person could be an open door to retiring. The next person could be a colleague for years to come. It’s big time stuff”. How many times have you looked back with regret about having let an opportunity pass you by? At the time you may not have recognized that an opportunity was in front of you or you dismissed it because you couldn’t see its true potential and value. The point is not to focus on past decisions but to become more aware and sensitive to present and future opportunities. A wise man once told me “don’t look to the past and what might have been. Look to the future and what might be”. What great advice! What do you want out of life? Is your present situation providing the life and lifestyle you really want? Are you seeking to change the direction, and results, in your life? If you are looking for new opportunities are you really serious about making change, taking advantage of opportunity, and taking consistent and persistent action? All it takes is desire and a belief in self to achieve great success in any endeavor you choose. Today simply focus on being the best you can be in whatever you do. At the same time open your eyes, and mind, to the many opportunities life has to offer. Who knows, the next idea could be your ‘life changing opportunity’. Carol Carroll Life Style Mentor and Successful Entrepreneur, is helping many become the next success story. Whether you're looking to create an extra few thousand dollars per month, be an ex-corporate executive, or the next millionaire Mom, Carol can assist you to create a second stream of income and greater peace of mind. For more information visit : Build Wealth

The Real Truth About MLM And Network Marketing

Let me tell you the truth about MLM (Multi Level Marketing) and network marketing-- most people who get involved in the business fail at it. The common figures tossed about on the Internet these days say that 95% of the people involved in MLM fail. I will argue that figure later, but for now, let’s just say maybe 9 out of every 10 people in network marketing will fail. There are many reasons people fail in MLM. They may have gotten involved in a bad company with a poor compensation plan. The products may not be top quality or anything special, so there is no demand for them. They may have received little training, poor training, or even no training at all. They might have been abandoned by their sponsor. They may have had the wrong expectations-- thinking that the money will come pouring in without any effort on their part. But the biggest reason for MLM and network marketing failure is giving up! On the other hand, compare this to traditional entrepreneurship, which has its problems, too. I am a college business professor, and I’ve had traditional businesses of my own, so I know the odd of success in starting up a traditional business are that 9 out of 10 new business will fail the first year. And then there is another 4 in 5 chance that those businesses who survived the first year will fail to make it to the fifth year. Wow, when you consider the amount of money spent and/or borrowed to get those businesses running, that’s pretty scary! Add to that the time involved in running a small business. Often people put in 60+ hours a week, for less income than a job would give them. I’ve often seen dreamers who started their own traditional business find themselves crashing and burning with reality as they lost their credit, their homes, and in some cases marriages and families. Ouch! I believe in entrepreneurship! I believe in the dream of having your own business-- no boss, no time card. Freedom to set your own hours, work where you want, live where you want, spend time with your family, travel and take time off whenever you want. Freedom. That’s what its all about! And it’s not traditional business that brings this freedom, it’s network marketing. I’ll take the odds in MLM and network marketing any day! I’ll tell you why. If the 95% failure figure is correct, then it’s including all the people who just sign up to try the product, or decide for whatever reason they don’t want to work the business. The truth is, for those who really want to work at this business, 95% of all people who stay with their network marketing company for 10 years will reach the highest level of their company’s compensation plan, which is usually at least $500,000 annually. And the income needed to start and run a network marketing business is nominal compared to a traditional business! I’ll take those odds any day! You see, all you need to do is: 1) Find the best network marketing company you can. 2) Commit to learning and working your business. 3) And don’t quit. Success in MLM and network marketing is a choice. Choose to do it! I can do that. How about you? This article may be freely copied as long as it is not modified and the resource box accompanies the article, together with working hyperlinks.About The Author:I’ve found what I truly believe is the the best network marketing company ever! It's called ForeverGreen, and it’s the perfect time to get involved. Check it out now at http://marine-wellness.com By Dianne Ronnow © 2007. All rights reserved.

Essential Benefits Of Remote PC Access Software

With technology entering into every aspect of business, how can remote PC access technology remain confined only to the big businesses? Even if you run a small business, you would make a great investment by having telecommuting system in place. Whether you need to stay home to look after your sick child or simply need to monitor your field agents, you can do it by using remote PC access program without being in the office.
A lot can be said for remote PC access; essentially, it allows you to work as hard as you need to from the comfort of your own home. When you or your coworkers are telecommuting, it allows you to work independently but with some support from the office. With remote PC access, you’ll be able to stay on top of your work, no matter where you are or what you are doing.
Why should you leave it all at the office unless you want to? With remote PC access, telecommuting is breeze and you’ll be able to operate from from home or from coffee shops. If you have an internet connection, you can (and should!) work. Remote PC access will allow you to work at your own pace and in your own good time; whether you are a night owl or an early bird, you’ll be able take advantage of your natural periods of alertness.
How many times have you had to help someone at the office while you’re at home, or vice versa? Telecommuting allows you to help your coworkers online, either by logging in to their systems or just through giving them detailed instructions. Remote PC access can also help you in situations where your password is required but you do not necessarily feel like coming into the office.
One of the biggest advantages of telecommuting is the improved communications. Remote PC access will allow you to stay in contact with the home office while you’re traveling and allow traveling field agents to stay in touch with you. You can keep each other informed of how tasks are going and whether there is anything else that should be covered in the area prior to his return.
When you are using remote PC access, you will find that your office runs smoother. Any organization is only as good as its communication, and when you are telecommuting, you are ensuring that communication has top priority. Make sure that you look for the best remote PC access software for you today.
Nevertheless, it may not be easy to find an ideal PC access software but don’t get yourself a cheap useless software as it won’t do any good to you. You may want to try this amazing free trial offered at http://trygotomypc.com/freetrial and then pay for your full version to see the difference that quality remote PC access software can make.