Are you a good candidate for long-term care insurance?

About 70% of older adults will need some kind of long-term care at some point. This type of care could include a nursing home or various degrees of home care, whether it includes skilled nursing care, assistance with activities of daily living, or some combination of services.

The problem is, these services are very expensive, and the costs are not covered by Medicare, outside of a 100-day period in which skilled nursing care is covered for those who qualify and non-medical care is not covered.

Medicaid covers some costs for long-term care, but the income requirements to qualify for Medicaid assistance are very strict. It’s not uncommon for older adults to spend everything in their care to qualify, so when they do, they are close to homeless.

This can be prevented with an LTC insurance policy. But these policies come with their own challenges, and not all are good candidates. Here’s an overview of when you should (and shouldn’t) consider long-term care insurance.

If you have assets to protect. If you have important assets, such as a valuable home or a savings account, that you want to protect and leave your family behind, you may want to buy LTC insurance. If you can afford it, this type of insurance will cover your long-term care without requiring you to “spend” to meet strict income requirements.

If you have a health history that suggests you need it. Long-term care policies can be expensive on their own and sometimes include significant out-of-pocket costs. Basically, you risk that one day you will need long-term care. However, if you have a history of health problems in your family that normally require this type of care, such as dementia, diabetes, or cardiovascular disease, you are more likely to need it yourself.

If you have no relatives to trust. If you don’t have close family members who can take care of you, then purchasing long-term care insurance may be a better option. That said, it is possible that even if you have a family member ready and willing to take care of you, he or she will not be able to provide the kind of care you need as your situation, or your future finances or work progresses. carer. The situation will change and it will make caring for you one less option. Regardless of whether you have family members who can care for you, and you should discuss this with them first, it is important to take the necessary steps to prepare for your future.

If you can afford it. Long-term care is expensive. In general, you should consider long-term care insurance only if you have at least $ 75,000 in assets, excluding your car and home, and an annual income of at least $ 35,000 per year (although this may vary by state) based on United Seniors Cooperativa de Salud. Premiums can also go up significantly, so you’ll need to make sure you can afford them comfortably without making huge sacrifices.

Because of the cost, making the decision to buy long-term care insurance is never easy. But for many older people, it can be crucial. Do some research on your options, and hopefully you can make the best decision for your situation.

Digital Marketing

How to grow your small business using Instagram

Small Business Marketing Using Instagram

Instagram is an online mobile application used for sharing photos and videos. Instagram is following in the footsteps of Facebook and Twitter and has quickly become a very popular social media tool. Instagram was originally developed so that people could apply different filters to the photos they had taken on their mobile phones and allow them to easily upload and share these photos with friends (or account followers) using the Instagram app. Most recently a video was introduced to Instagram, it can now be uploaded, but Instagram video clips are limited to 3-15 seconds in length.

Why do companies turn to Instagram?

  • There are more than 300 million Instagram users around the world.

  • Approximately 70 million photos are uploaded per day.

  • The account is “free” to set up, so there are few barriers to entry.

  • It is a medium that allows content to be easily shared 24 hours a day.

  • What kind of success have companies achieved with Instagram?

  • Companies like Levis, L’oreal, and hundreds of others have been able to use the tool to:

  • Publicize your products and services.

  • Increase brand recognition.

  • To showcase your community and work pro bono to inspire and attract potential customers to interact with your product, service, or brand.

  • Run successful promotions, contests, and giveaways.

Small Business Marketing Success With Instagram

Instagram seems to be particularly popular with product-based businesses due to its visual nature. Many product-based companies, such as clothing, jewelry, makeup, or even food, have found success with Instagram. This is because the application allows you to publish and share photos of people who use or use these products. For example, a food manufacturer may post photos of someone they cook with, share a meal with, or entertain friends using their food products. This success is not exclusive to big brands, as many small businesses have been able to harness the power of Instagram to attract their customers. For example, Melbourne-based cafe The Kettle Black had over 45,800 followers as of March 2016. They have achieved this by using compelling photographs of their food and images of coffee meals that would appeal to Instagram users as well as by using hashtags that foodies, food bloggers, and other Instagram users would be interested in or looking for.

Influence marketing

Bloggers, social media stars, and media personalities have accumulated a loyal following online with hundreds and sometimes thousands of people following their Instagram accounts. This group of ‘influencers’ means that there are several eyes ready to see your product or service. The audience has already been created for you. The engagement has already been formed and taking advantage of this by having your product uploaded to your Instagram feed or presented by a blogger or a popular Instagram account holder will help you grow your audience faster. Therefore, it is important to take the time to identify key ‘influencers’ in your industry and how you can take advantage of this.

Hashtags – What are they?

How can they be used to increase business exposure?

I suggest that if you are interested in getting on Instagram, spend some time doing your Hashtag research. Hashtags are tags that you can add in the caption of a photo that you upload. To create a hashtag, you need to use the # symbol in front of the tag and then add a keyword or multiple keywords without spaces after the pound symbol. For example, you can post a product image of a pair of jeans. Your hashtags could be: #fashion #style #jeans #lovethatstyle. You may already be familiar with hashtags as they are popular on Twitter too, but if you are not online, take a look to see some examples of how they are used. The purpose of the hashtag is to tag your photo to a topic or topic category that is ‘searchable’ or ‘popular’ on Instagram.


  • No spaces in your hashtags

  • You cannot use special characters in your hashtags Eg! @ $ &

Instagram includes a powerful search feature, so if posts are set to ‘public’, you can use hashtags to tag your photos and videos to make the content easier to search and more accessible to the public. That means that when someone conducts a search and is exploring that ‘search term’, your content may be discovered, leading to more people discovering your company or brand.

Some hashtags are very popular, so it’s important to identify the ones that are most relevant to your industry. The goal of the game is really to get people to talk, like, follow and share your content. Hashtags help spread the word if used effectively, so take some time to figure out how to use them to get the most out of your content.


How much is this?

Do you often wonder what the true cost of an investment or expense is? Well, you are not the only one. There are many things in life that go by without understanding the true cost. The common items associated with actual cost are automobiles as they depreciate. There are many items that go undervalued over time, such as homes, memberships, cars, furniture, businesses, etc.


You just bought a house and you are excited! Before you put the key in the door, be sure to take a look around your neighborhood and see how far away everything is. How many of the same stores are there? For example, if you live near a large number of grocery stores, you will get the best selection of food without incurring gas costs. Trips to the post office, picking up the kids from school, going to work should be taken into account at the time of move-in. You should make a list of the type of contractors and other services available in your neighborhood. When you buy a home, you need to evaluate how long you plan to use the property. Most of the time, people tend to renovate a startup home. The overall goal of a beginner is to understand home ownership and then consider the home of your dreams.


When you sign up for a gym membership, do you factor in the cost of going to the gym or the time it takes to get to the gym? There are times when you spend too much time going to and from the gym. One of the best investments you can make is buying small weights and running around your neighborhood. You should consider reading the cancellation section of your contract before signing. When you have a cell phone make sure you pay for what you use.


Do you really need a car or do your friends have cars? Most people who live near reliable transportation shouldn’t buy a car unless they take a lot of road trips. When buying cars, be sure to buy from a place with a low cost of living. Buying a low-traffic vehicle allows you to lower the price more than normal.


By financing furniture, you are paying interest rates and possible late fees. Moving costs are another idea to consider. When you move, what size truck do you have to rent to move furniture and how many people have to help you with the move? Furniture is by far the most overlooked aspect. The old sayings say that you don’t know how many things you have until it’s time for you to move in.


When starting a business, most people underestimate the true cost of a business. There are things you can’t explain until they happen. A good rule of thumb is to double your expenses before opening your business. However, there is a way to avoid overspending if you are interested in a digital-only business. The benefits of a digital-only business is the ability to downgrade services.

Remember that you cannot control the things that are beyond your control, but you can minimize how much it costs to replace your items. When buying things, always consider your bottom line first. Good luck!


Great gift ideas for outdoor enthusiasts

Here are some ideas that are unique to campers and hikers.

1. A lightweight and convenient cooler. Coolers can be difficult to transport, even the smallest ones. What if you could wear one on your back? You can put one on and you no longer have to worry about your arms getting tired or sore from carrying a heavy cooler. What a good idea!

2. An activity tracker. It is a lightweight bracelet that can track your mileage, heart rate, calories, and sleep.

3. Polarized sunglasses. If you are in the sunlight trying to keep an eye on your footsteps on the mountainside, you will likely need goggles. Protecting your eyes from the strong rays of the sun is important and can provide a more comfortable walking experience.

4. A durable and reliable knife. You never know when you might need a knife to help you get out of a tough situation. A knife can be your best friend in the woods. It’s a useful, reliable, and essential tool to carry when tackling the elements of the great outdoors.

5. Hiking boots can make a good hike even better. For safety, protection and comfort, you need the right boots. If you get a blister, your whole adventure will be nothing more than a bad memory.

For those of you who like to spend the night under the canopy of stars and be outside for a few nights, here are some items to help with that adventure.

– Tents are a must for any body that frequently camping. There are many styles to choose from. Even those that fit in the back of a truck bed. This takes you off the uneven ground.

– Hammocks are also a great option than sleeping on the floor. They are ideal for relaxing in the forest, reading a good book under the shade of a tree and forgetting about the world.

If your family member or friend likes climbing, you may want to consider these adventure gift ideas. Rock climbing can be a daunting task. Climbers tend to be very picky about the type of gear they wear, which makes choosing the perfect item for them a challenge. Here are a couple of ideas:

– When the weather does not allow outdoor climbing, you can get a membership for an activity center with an indoor climbing wall. In this way, your climber friend can climb whenever he wants.

– Getting carabiners is always a great idea. Every climber needs a specialized type of metal shackle or loop with a spring-loaded gate. They are used to quickly and reversibly connect the elements that are used when scaling.

I hope my suggestions help you when looking for the perfect gift. If you’re like me and finding the right gift is always frustrating and difficult, take a look at some of my ideas.

I feel like these items I’ve listed would make great gift ideas for any friend or family member who loves the outdoors.

Health Fitness

Best Dietary Supplement for Belly Fat Reduction and Fat Loss

Losing weight and / or reducing belly fat is not an easy task. It requires understanding what healthy eating and a healthy lifestyle entail. It requires a vigorous exercise regimen both to enlarge the calorie deficit and to tone the body under all that fat. For many, this is the tried and true approach to losing fat.

However, there are many people who seem unable to lose weight regardless of the method they use. The meal plans of the weight loss industry leaders seem to do little. The latest celebrity techniques seem equally useless. Calories are counted, canned tuna and chicken breasts are eaten, enough veggies to turn green, and yet cellulite and belly fat remain.

But what if losing fat is more than just counting calories and shedding sweat? If you are going to lose weight, you must eat fewer calories than you need for daily life. And while exercise is not essential for weight loss, exercise strengthens and tones the body. Exercise also helps increase your calorie deficit even more.

Considering calorie reduction and exercise, it must be recognized that weight loss is a complex equation that involves more of those two factors. For a large segment of the population, those two factors might be enough. For many, however, other factors must be considered.

There are several hormones involved that can contribute to how our body stores or burns fat. Are those hormones in balance? Are there hormonal deficiencies? If so, how can these problems be addressed so that weight can be lost?

The digestive tract is a complex mechanism where the various organs must work in harmony to break down food, absorb nutrients, and eliminate waste. Is this happening correctly? Are there toxic wastes that are not disposed of? Is there stomach bloating?

Finally, is the metabolism fast enough or active enough? Cutting calories and exercising more may not be enough if these other factors are out of sync. With that possibility, are there ways to address these issues? Or put another way, what are the best dietary supplements for belly fat reduction and fat loss?

Because what is really needed is something that complements calorie reduction and exercise. If mainstream media isn’t making a dent, then an extra push is needed. And there are supplements that can address some of these problems.

Something as common as Metamucil can help build a healthier digestive tract by adding the necessary fiber as a prebiotic. Supplements that target hormones like Motilin help remove toxic waste from the body. Herbs and plants like Garcinia Cambogia, Maca Root, and Licorice Root work to build a cleaner environment within the digestive tract. Various forms of ginseng can increase energy and vitality. Amino acids like L-carnitine work to better utilize fat and energy.

If traditional weight loss programs don’t work, the first step should always be to consult with your doctor or healthcare provider. The second step would be to research all the supplements that can help reduce belly fat or lose fat. Always seek expert opinion and, when in doubt, go back to the first step.

As you research the various supplements, look up their ingredient list and dig into what it is. Does it contain Garcinia Cambogia, L-Carnitine, Eleuthero, Maca Root and the like? Is it non-GMO and manufactured in FDA approved facilities? What are additives?

Also, consider customer testimonials and reviews. What is the percentage from 5 stars to 1 star? Is there a theme or trend in negative reviews? How strong and responsive is the refund policy?

Finally, does the potential flat stomach result outweigh the cost of the item? Will you waste your money (or not, if the refund policy is real) or will it be an investment in your health? The answers to these questions should help you select the best abdominal fat reduction and fat loss dietary supplement for you.

Legal Law

What is a CDR for an engineer?

CDR drafting services help engineers draft a Competency demonstration report to get a positive Engineers Australia Skills Assessment and work in an engineering job in Australia. The Australian job market is experiencing a severe skills shortage in some areas of engineering. With the growing demand for engineers in companies in all regions and the lack of skilled workers in the local market, Australia looks to the future to import more engineering skills in fields such as construction, oil and gas, mining and plus.

Australian immigration for engineers relies more on writing a winning CDR report; however, many potential immigrants lack CDR writing skills that effectively demonstrate their skills and abilities for the specific engineering job. CDR Writing Services offers a sample CDR report to help you get an idea of ​​what to include for your CDR preparation for Engineers Australia Migration Skills Assessment.

What is a CDR for an engineer?

A CDR, which is also known as a Proficiency Demonstration Report, is a document that an engineer must prepare to migrate to Australia. It is tailor made and includes details such as the engineering tasks you performed every day and your responsibilities and duties on the job to meet the Engineers Australia Migration Skills Assessment requirements.

CDR writing services to prepare an effective CDR

An effective CDR meets the requirements set by Engineers Australia. Being very attractive, a CDR report requires good writing skills to show your engineering competence successfully. CDR writing services help you know that a CDR should contain the following:

  • Continuing Professional Development (CPD)

  • Three career episodes and

  • Summary statement

The CPD statement should show continuous developments in your engineering career with details such as your graduate study in the applicable field and conferences, seminars, workshops, and technical meetings that you attended, as well as the papers presented. It also shows any volunteer or mentoring activities you have done as part of your engineering profession.

The three career episodes narrate through separate episodes his knowledge and potential in the nominated occupation. This part of the report should be written carefully and thoughtfully as it demonstrates the most distinctive moment of your work. What you should focus on here are your engineering tasks or projects currently completed or in progress, the position you work in, and the problem you solved or need to solve.

Through the Summary Statement, you must explain your engineering skills to meet the competency requirements for the occupation.

Australian Immigration and CDR Writing Services

Australia Immigration for Engineers requires certain skills to meet industry requirements and through CDR writing, you need to demonstrate those skills. The Engineers Australia skills assessment confirms that your migration skills require you to need for a position in Australia.

CDR writing services help you understand the migration skills requirements and fulfill them with a properly prepared CDR. When writing a CDR report, you should keep in mind that you should avoid irrelevant information such as your previous company and team. Write as much information as possible about your engineering activity, keeping the maximum word limit. The information provided must be in the first person singular, since the CDR is your personal report.

Lifestyle Fashion

A step-by-step process to give your woman SEXUAL PLEASURE and make her addicted to you in bed

In this article, I am going to share with you a simple, step-by-step process that will allow you to give your woman incredible sexual pleasure and make her addicted to having sex with you.

First, however, a bit of history …

Many men struggle to give their women clitoral orgasms. This claim is supported by the fact that 30% of women have never had an orgasm.

Most women have only had orgasms on the clitoris; we’re talking about 70% of the women here.

However, did you know that women can have vaginal, multiple, squirting, anal, and nipple orgasms? Hell, some women have had orgasms without any contact.

Women are wildly sexual (or at least have the potential to be).

So what’s going on? How is it that so few women are experiencing the number of orgasms and the type of orgasms that they are capable of?

Well, there are a few answers to that question, the main one being that most men are clueless in the bedroom and / or are selfish. And that’s not a good recipe for a woman’s pleasure.

Since you are reading this, I am willing to bet that you are a real man, which means that you care about pleasing your woman.

I’m right?


Let’s go ahead and see …

The step-by-step process to give your woman sexual pleasure and make her addicted to having sex with you

Ideally, you would use this process the first night you put a woman to bed. However, you can still use it if you have been in the same sexual relationship for years; just make a note of the steps you haven’t done yet.

Have fun with this …

The first night, massage the front of your woman’s vagina as deeply as you can. This area is called your DEEP POINT. Chances are, no other man has done this before and will show you that you don’t necessarily need clitoral stimulation to experience sexual pleasure.

After doing this, have penetrative sex.

On the second night, it’s time to make sure you make him come. Give her oral sex and stimulate her clitoris with your fingers. Do this until she comes.

Then use the Deep Spot method to give her a vaginal orgasm. Then proceed to full sex. By the way, if you follow the process up to this point, you will have already given her multiple orgasms on the second night! Do you think she will be impressed? You can bet it will.

On the third night, do the same again, but this time give her two deep orgasms before penetrating her. So one clit and two vaginal orgasms before sex … then have sex.

This time talk dirty during intercourse and help her climax during sex, not just foreplay.

Follow this simple pattern and I can guarantee that your woman will be totally addicted to having sex with you because you will have given her more sexual pleasure than any other man.

When it comes to getting everything you want in the bedroom, the simplest technique in the world is to give your woman great sex. And good sex should include vaginal orgasms during intercourse.

If you don’t give your wife vaginal orgasms during intercourse, your wife will crave it elsewhere. Why else do you think 50% of women have cheated on their men?

Home Kitchen

Flooring Ideas for Long Island Floors

Long Island Floors

You’ve probably noticed how great it feels to walk on Long Island floors. They’re so smooth and so soft to walk on. There are also some great choices for home improvement, because of the many ways it can benefit your home. Some people even use it for their dining room. It’s a great place to have friends and family members over.

If you want to make your Long Island home a better place to be in, you’ll want to take a look at the many options for flooring. Choices range from tile to wood, carpeting to laminate. There is even a new kind of product that looks just like wood and is called reclaimed lumber. This flooring has been used in homes for years, and it can give you the same benefits as any other type of flooring.

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Another great choice is rock carpet. It sounds different than carpet, but it is actually very similar. Rock carpet comes from old mining areas, and it still looks very natural. It is stain resistant, and it is resistant to mold, so it’s a good choice if you don’t want to have to deal with mold problems.

Flooring Ideas for Long Island Floors

If you really want to be adventurous, you can even install a room divider to use for storage. It’s like putting a larger wall inside of a smaller one. It will make your room feel cozier and more open. One of the great things about this type of flooring is that it can easily be installed, so you won’t have to worry about nailing anything down. You can just pull it apart when you want to use it.

Now that you have a great selection of floors to choose from, you have to figure out what you want to do with your Long Island floors. Do you want to use them for a dining room? Consider putting in bar stools. You might even want to consider putting in a buffet area so that you can serve up some pizza and burgers to your family on special occasions. Many people install a fireplace at their home, and if you have room you should consider installing a wood burning stove. The warm glow of the flames will definitely add to the beauty of your room.

Don’t forget that you can use your floors in a number of different ways. You don’t have to use them for dining. If you have a family that loves to go out to dinner, you can install hardwood floors. Or, if you want a more formal look, you can install marble or granite floors. The possibilities are endless when it comes to choosing the perfect flooring solution for your home.


Powerball tickets – How Many Powerball Tickets Can You Buy?

Powerball tickets

The number of possible Powerball winners in any game of Powerball is unknown. Some people claim that there is an exact number, but this is only because the game is not yet introduced in every area in the United States. In the United States, there are only a few states that have yet introduced the game to the public. The people in these states will probably not know how many powerball tickets they can buy until sometime after the game has been introduced.

파워볼 실시간

If you want to purchase Powerball tickets, then you must be aware of the number of available tickets in each draw. A drawing for a single ticket is called a “lottery” and you only have a small number of chances to win. Each drawing has a different number of possible Powerball winning numbers. The more recent drawings have raised the amount of tickets available dramatically. In some states, Powerball winners get 500 per ticket. A winning ticket costs about $2.00.

The question now is how many tickets can you buy? The answer depends on a number of factors, including your location and how many Powerball outlets are available in your locality. If your state hasn’t yet introduced the game into its play, it is unlikely that there will be many outlets selling Powerball tickets. The chances of winning the jackpot would decrease significantly.

Powerball tickets – How Many Powerball Tickets Can You Buy?

The easiest way of figuring out how many powerball tickets can you buy is to get a look at the price list of the draw. If you look at the price list, you will see that there are specific numbers of tickets available in each drawing. For example, the third and fourth place draws have the lowest number of tickets. You should take note of these prices as they may affect how many tickets you can purchase.

In case your local venues aren’t selling Powerball tickets, it may be hard for you to know how many you can buy. However, there are websites that offer guarantees of how many you can purchase from them. There are usually small fees involved with such services. The amount may not be huge but when compared with the expense of purchasing them in the first place, it may be worthwhile.

If you want to know how many powerball tickets can you buy, the answer depends a great deal on how many tickets you intend to purchase. For example, if you are looking to purchase a large number of tickets, it would be ideal to get yourself an online gambling account. This is because gambling websites have lower costs of operation. These online gaming sites may even give you discounts when it comes to how many you can purchase. So keep this in mind and know how many you can buy without hurting yourself financially.


Make a statement with cat rings jewelry

Wrap your feline friend around your finger

Everyone is going crazy for cat ring jewelry. One look at these adorable silver rings will make you want to shop the entire collection for yourself. Wear them with any type of outfit, be it a classy evening gown or a sundress, with its classy, ​​elegant cat ring jewelry, it will make sure you stand out no matter what you wear. Pamper those beautiful toes of yours with a little love for cats and show the world that you are always ready to cuddle those adorable kitties by flaunting your inner feline nature. Nothing makes a bold statement like these carefully crafted works of art, and there’s no better way to show off your quirky style than by donning one of these cheerfully stylish cat rings.

One size fits all fingers

You no longer have to worry about whether the ring you order will fit your finger. There are many absolutely beautiful rings that are adjustable and suitable for all finger sizes. Simply fold these cat-themed rings fit around your little finger and experience the snug, comfortable fit that will instantly remind you of your little feline friend at home. These adjustable cat rings are sure to bring back memories of you and your furry cat cuddling together. Every time you wear a cat ring from your jewelry collection, you can wear your love for your favorite pet on your finger all day long. Wear them on your ring finger, or all fingers if you like, and show off your crazy cat lady side.

An incredible variety of designs and styles

Cat ring jewelry is available in so many styles and patterns that you will have a hard time deciding which one to choose. If you find the idea of ​​wrapping a cattail around your finger appealing, then you can consider an adjustable ring that has a long cattail. Or, if you like paws and ears, then you can choose a ring that shows off these adorable parts of your cat. If a sphynx cat is what catches your eye, then you might want to go for one of that style too, just in case! Whether you want a shiny or matte finish, silver or rose gold, there is a piece of jewelry for every cat-loving woman. So bring out your playful side, put on one of these babies and get rocking! With the mind-blowing variety of patterns available, you can wear a different ring for each day of the year if you like!