June 27, 2017

What Age Should I Consider Long Term Care Insurance?}

What Age Should I Consider Long-Term Care Insurance?


Terry Stanfield..

Long-term care insurance is a very important part of ensuring you have a future that does not leave your family struggling to pay your bills at the nursing home. Getting that insurance means you are taking the initiative and thinking ahead, which is an excellent quality in an individual. However, many potential long-term insurance individuals do not always know when they should consider getting long-term care insurance. So, when should you think about making the commitment?

If you know when you are going to need to make a long-term care insurance claim, then do it a month beforehand. Of course, there is really no way of knowing when you will need long-term care claims because you don’t know when you will be diagnosed with a disease, suffer an injury or simply need help with day-to-day activities.

In reality, you can get the insurance policy at any time in your life because all it takes is one unexpected accident to change everything about your life and require you to need long-term care insurance. No one thought Christopher Reeve, aka Superman, would need long-term care insurance, but he did and his story is an example of the unexpected nature of life.

Often, people will see long-term care insurance as something for the elderly, but the truth is that 40 percent of those who are receiving long-term care are below the age of 65.

So, to answer the question, you should look at getting into the long-term care insurance program when you can comfortably afford to pay the premium and you have enough income and assets to protect to justify the cost of the policy. As well, if you get the premiums early in life, you will pay a lot less than you will at an older age. That in itself can be an excellent reason to join the program early, rather than later.

Long-term care is not covered by medical health insurance, so you need to make sure you protect your assets in the case of accident, and the best way to do that is through a long-term care insurance plan. Nothing is set in stone and making sure you are covering your bases ensures you will not be left hanging when things take a turn for the worst. Anything can happen.

Conclusion There is often the question of when to spend the money on a long-term care insurance policy, and all to often people will think that long-term care is only for the elderly. However, as has been stated, anyone can suffer the effects of a disability that requires them to need daily care, but with out the coverage, their family ends up paying the bills. As a result, you need to make sure you get the long-term care insurance policy as soon as you are able to afford it and when you have enough to protect. At this point, you will be in the best situation to pay low premiums, yet get the security and peace of mind that comes from being a part of the long-term care insurance program.

You should just ask for help from an insurance representative who specializes in long term care insurance to answer any questions.

Before you go out and buy a policy go to

Long Term Care Insurance Guide

and read

How Does Long Term Care Insurance Work?

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US president Obama, Congress call for blocking of executive bonuses at AIG insurance company

Wednesday, March 18, 2009

United States President Barack Obama stated Monday that insurance giant AIG is in financial trouble due to “recklessness and greed,” and called for legal action to stop the company from giving out millions of dollars in bonuses to its executives.

“It’s hard to understand how derivative traders at AIG warranted any bonuses, much less $165 million in extra pay,” Obama said. “How do they justify this outrage to the taxpayers who are keeping the company afloat.”

Obama’s statement comes after reports surfaced last weekend saying the insurance agency, which is in deep financial trouble, had paid US$165 million to executives in bonuses, after receiving $170 billion as part of a government bailout plan.

AIG has said that the bonuses have to be given out, as the company is legally required by contract to do so. A representative with the National Economic Council, Lawrence H. Summers, also said that the bonuses were required to be given out. If AIG had refused to give out the bonuses, employees could file a lawsuit against the company for the money.

“We cannot attract and retain the best and the brightest talent to lead and staff the A.I.G. businesses — which are now being operated principally on behalf of American taxpayers — if employees believe their compensation is subject to continued and arbitrary adjustment by the U.S. Treasury,” AIG CEO Edward M. Liddy said in a letter addressed to Treasury Secretary Timothy F. Geithner on Saturday.

Liddy said that he asked Geithner “to use that leverage and pursue every legal avenue to block these bonuses and make the American taxpayers whole.”

“I want everybody to be clear that Secretary Geithner’s been on the case,” Obama said. “He’s working to resolve this matter with the new CEO, Edward Liddy, who, by the way, everybody needs to understand, came on board after the contracts that led to these bonuses were agreed to last year.”

If the bonuses cannot be stopped, the U.S. Congress says they want AIG to reimburse the government. Congress is looking to impose stiff new taxes on the pay, or ordering the company to return the money which was originally granted from a government bailout. In a letter to House Speaker Nancy Pelosi on Tuesday, senator Richard Shelby promised that the treasury will recover all of the money. Several U.S. senators along with Liddy have sent letters to AIG asking for the bonuses to be renegotiated, something AIG agreed to and says they will reduce future bonuses by 30%. Senators state that if Libby does not respond by renegotiating the bonuses, the Senate Finance Committee will propose an excise tax. Not only will an excise tax be proposed on AIG, but all companies receiving bailout money and their employees who receive bonuses.

What is the highest excise tax we can impose that will stand up in court? Let’s find out.

Numerous House Democrats have introduced legislation which would place a 100% tax on any bonuses of over $100,000 from companies that are receiving government bailout funds. Meanwhile in the Senate, a bipartisan proposal by Max Baucus (D-Montana) and Charles Grassley (R-Iowa) would levy a special 90% excise tax on AIG’s bonuses. Asked Senator Baucus, who chairs the Senate Finance Committee: “What is the highest excise tax we can impose that will stand up in court? Let’s find out.”

Uncategorized @ 1:15 am
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Man charged with attempted murder in £40 million London jewel heist

Sunday, September 6, 2009

24-year-old Aman Kassaye, of no fixed abode, is to face a charge of attempted murder for his alleged role in an armed robbery that netted £40 million ($65 million) worth of jewelry from a London store.

Kassaye is the seventh man to be charged, and is also facing prosecution for conspiracy to rob the Graff store in New Bond Street, false imprisonment, and using a handgun to resist arrest. He will appear at Wimbledon magistrates court on Monday.

The other six men have already been remanded in custody until October 23, when they will appear at Kingston Crown Court. All are facing charges of conspiracy to rob, and two of them are also charged with a firearms offense.

43 diamond rings, watches, and bracelets were taken from the store. The theft occurred when two armed and suited men walked in and took an employee hostage. It has been reported they used prosthetic masks made from liquid latex but police have not confirmed this. Amateur footage also shows a shot was fired. No-one was injured.

The robbery is one of the biggest the United Kingdom has seen. After the crime a string of getaway vehicles was used, with police believing several more offenders assisted with this stage of the plan. Although The Telegraph claims no stolen property has yet been recovered, this is also unconfirmed by police.

Uncategorized @ 1:15 am
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June 24, 2017

Curtains And Curtain Tracking: Choosing And Installing}

Curtains and Curtain Tracking: Choosing and Installing


Kenneth Lloyd

Whether you are cordoning off sections of a tattoo parlor, healthcare facility, photography studio, laboratory, class room or a home, curtain tracking has become an easily accessible tool. Selection and installation of curtains and curtain tracking is not rocket science, but here are some pointers to smooth the process.

The first step is choosing a curtain. You need to ask yourself what you want your curtain to do. If it is needed it to block light, then a blackout fabric should be chosen. If it must meet state and federal commercial fire codes, then mesh top curtains are necessary to allow sprinkler systems to adequately protect their environment. Quality cubicle and hospital curtains are made with inherently fire retardant materials that are durable, safe, and last throughout the lifetime of the cubicle curtain. There are many colors and styles of fabrics to choose from; including solid colors, striped, textured, patterned and more.

Once a style is determined, calculate the height and length of the curtain necessary to cover the intended space. The length should generally be 15% wider than the length to be covered. For a more ruffled look, add 30% to the length. For example: you require 220″ of length to cover your space. You would then multiply 220″ x .15 and come up with 33″; add the 33″ to the original 220″ and you will need to order a length of 253″.

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To establish the height of the curtain there are three measurements needed to be determined. Begin by measuring the height from the floor to the ceiling. For this example let’s start with a 10 foot ceiling which is 120 inches in height. Next measure the height of the carrier and curtain tracking; this is usually 3″-4″ combined. The third measurement to determine is the open space wanted below the bottom of the curtain; 12″-18″ is typical. Take the ceiling height of 120″ and subtract 12″ for bottom clearance and 4″ for tracking and carriers and this leaves a final curtain height of 104″. Typical curtain sizes range from 72″ to 234″ wide and 84″ to 108″ long. Cubicle curtains can be made to order and customized in most cases. Healthcare facilities often have building and fire codes which must be met; check with an administrator before proceeding.

Quality curtain tracking is made of 16 gauge extruded aluminum and is typically sold in eight foot lengths. If shorter lengths are required, tracking may be easily cut down with a hacksaw. Curves pre-bent to 45 deg. and 90 deg. are available for applications requiring the curtain to bend around a room; curves are 2 feet by 2 feet and bent at a 12 inch radius.

Curtain tracking can be attached to solid or false/drop down ceilings using screws or clips. Attaching the tracking to a solid ceiling requires the use of screws; screw directly into ceiling studs whenever possible. Holes will need to be drilled into the tracking at each attaching point. It is not always possible to screw into a stud. When this occurs, the use of an anchor is necessary. An anchor is pressed into a pre-drilled hole. As a screw is inserted into the anchor; the anchor expands and grabs firmly to the ceiling. Drop down/false ceilings require clips which are attached to the ceiling grid. There is a hole tapped into each clip that accepts a screw from the curtain tracking. These clips should be placed every 30″.

Suspension tubing may be used with high ceilings or if existing obstructions prevent the curtain tracking from being mounted directly to the ceiling. Suspension tubing is available in 8 foot lengths and made with 7/8″ O.D. hollow aluminum tubing. Suspension tubing can be attached directly to solid ceilings with a ceiling flange or via ceiling clips to a drop down/false ceiling. A screw insert is then placed in the bottom of the suspension tubing allowing the curtain tracking to be attached. Suspension tubing should be placed every six feet and the tracking ends can be attached to a wall with a nylon wall bracket.

Anodized aluminum splicing clamps join multiple pieces of tracking to ensure proper alignment of the channels. This will allow the carriers/rollers to move freely from one piece of tracking to the next. Clean and smooth the ends of each piece of track before assembly; burrs may cause the carriers/rollers to hang up.

An end-stop should be placed at both ends of the curtain tracking setup. Curtain tracking end-stops are used to prevent curtain carriers from slipping out. One end should contain a snap out fitting to allow for easy installation and replacement of curtain carriers. Snap out fittings sit inside an end-stop and are easily removed. Removal is necessary to install or replace your curtain carriers without removing the curtain tracking from the ceiling.

Various specialty brackets allow for multiple ceiling track configurations. T-brackets connect a perpendicular section of tracking part way along an existing section of tracking. Cross brackets subdivide a room into 4 or more separate sections depending on the size of your room and the size of your tracking layout.

Once the tracking layout is finalized, then determine the number of carriers or rollers needed. Carriers are just that, they carry the curtain along the tracking. The standard style consists of a nylon block and wheels with a swiveling chain and hook attached. A breakaway version is available which acts contrary to its name; the carrier does not break, it flexes. This allows the curtain to detach from the carrier rather than damage the curtain or carrier. Curtain carriers should be spaced every 6″ on the curtain. If your curtain is 242″ in length, you will want to have 41 carriers.

Drop chains and PVC drop strips are available for use when ventilation space is required and a mesh top curtain is not an option. A drop chain is 18″ long with custom lengths available; it is constructed of nickel-plated steel. A PVC drop strip is 18″ long with a hole on top which slips over the curtain carrier; a plated hook at the bottom connects to the cubicle curtain.

Prior to installation, the job should be laid out on the floor in its intended position with all fittings properly located. This will prove valuable in determining whether all required parts are on hand and ensures proper location and placement.

Curtains and curtain tracking are available at and a large selection of Durable Medical Equipment is available at

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Curtains and Curtain Tracking: Choosing and Installing


News briefs:July 27, 2006

The time is 20:30 (UTC) on July 27th, 2006, and this is Audio Wikinews News Briefs.


  • 1 Headlines
    • 1.1 Hamas denies that release of Israeli soldier is “imminent”
    • 1.2 Current Israel Hezbollah conflict being compared with “Operation Grapes of Wrath”
    • 1.3 In new video, Ayman al-Zawahiri warns that Israel will “pay the price” for attacking muslims, calls for holy war
    • 1.4 Saddam Hussein to learn his fate in October
    • 1.5 Obrador declares himself President, plans protests
    • 1.6 Miner dies after being struck with hose in Central Western NSW
    • 1.7 Tube train evacuated after a landslide in west London
    • 1.8 Landis wins, then fails drug tests
  • 2 Closing statements


Uncategorized @ 1:31 am
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Heat wave, industrial action cripples Melbourne railways

Thursday, January 29, 2009

Commuters in Melbourne, Australia, faced chaos today as a summer heatwave and alleged industrial action by staff caused 200 trains to be cancelled. The light rail system was also disrupted by a broken down tram.

Track buckled between Jolimont and Flinders Street stations on the Melbourne loop as temperatures peaked at 43.2 degrees Celsius (109.7°F), causing local train operator Connex to send track workers out to hose rails down. The delays and cancellations caused high demand on the Connex website, which crashed under the pressure. V/Line regional train services were also affected, with coaches replacing some trains and other services working with reduced line-speeds.

Connex has blamed the Australian Rail Tram and Bus Industry Union for 80% of the cancellations, saying the drivers are running an “over-zealous, fault-finding protocol” leading to serviceable trains becoming unavailable. The company and the union have been having “protracted” negotiations over the method of drivers reporting train failures, according to the ABC.

Public transport in Melbourne will run free of charge tomorrow as a gesture of goodwill.

Uncategorized @ 1:31 am
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Hydrogen fuel cell cars promoted in various states, but U.S. federal funding cut

Tuesday, June 2, 2009

American Secretary of Energy Steven Chu is cutting US$100 million dollars from hydrogen fuel cell vehicle research and diverting the remaining $69 million to hydrogen fuel cell research for household current.

Former president George W. Bush advocated the zero-emission vehicles and launched $1.2 billion for hydrogen fuel cell research over a number of years.

President Barack Obama is proposing a “corporate average fuel economy,” or CAFÉ, placing standards for gas mileage at 39 miles per gallon for cars and light trucks at 30 mpg.

“The probability of deploying hydrogen-fuel-cell vehicles in the next 10 to 20 years is low.” said Tom Welch of the U.S. Department of Energy. “We asked ourselves, ‘Is it likely in the next 10 or 15, 20 years that we will convert to a hydrogen car economy?’ The answer, we felt, was ‘no,'” said Chu.

In response, the U.S. Fuel Cell Council and the National Hydrogen Association said, “The cuts proposed in the DOE hydrogen and fuel-cell program threaten to disrupt commercialization of a family of technologies that are showing exceptional promise and beginning to gain market traction. Fuel-cell vehicles are not a science experiment. These are real vehicles with real marketability and real benefits. Hundreds of fuel-cell vehicles have collectively logged millions of miles.”

“I just got the Clarity, which is a wonderful hydrogen vehicle,” said Governor Arnold Schwarzenegger. He lent his car to The Hydrogen Road Tour.

On Tuesday, The Hydrogen Road Tour began in Chula Vista, California. Twelve hydrogen fuel cell cars by seven auto makers will arrive in Vancouver, British Columbia June 3 for the Hydrogen + Fuel Cells 2009 conference, a global hydrogen and fuel cell event. “The point really is to raise awareness about fuel celled vehicles and hydrogen, their benefits both to energy efficiency and the environment as well as to consumers because we really believe these vehicles are going to be a market winner,” said Catherine Dunwoody, the Executive Director of the California Fuel Cell Partnership.

The Hydrogen Fuel Cells 2009 conference began June 1. “Our global environmental challenges, such as climate change, do not stop at the border,” ” said John Tak, conference Chair, “I am pleased that scientists, engineers, government representatives and businesspeople from more than 35 countries are coming to Vancouver, an active hub for hydrogen and fuel cell development, to help create solutions to these challenges.”

The Ohio Fuel Cell Symposium was held in North Canton, Ohio on Wednesday and Thursday. “The hydrogen and fuel cell industries are at a stage where they have the momentum and energy to accomplish some truly revolutionary things in terms of how they apply their technologies,” said William Whittenberger, president of Catacel Corp. These fuel cells produce electricity and exhaust carbon dioxide and water.

A hydrogen powered municipal street cleaning vehicle is currently being tested for the next year and half in Basel, Switzerland. “Our aim is to take fuel cell technology from the laboratory onto the street,” said Empa’s Internal Combustion Engines Laboratory Project Leader Christian Bach.

Dan Lutz, the fleet manager for the Beloit, Wisconsin public works department, experimented with retro-fitting his personal truck. The department now has a large pickup truck, a garbage truck, a recycling truck, a police squad car and a small pickup truck using hydrogen technology increasing gas mileage from 14 to 22 and 31 mpg. “We know the basic technology works, but the issue is, is it practical,” said City Manager Larry Arft, “Can it be used realistically?”

The drawback is that the technology may rely on platinum, a rare metal, or palladium. Infrastructure would need to be changed to supply hydrogen fueling stations. Critics are also concerned about hydrogen fuel storage and the costs of retro-fitting existing vehicles.

Uncategorized @ 1:31 am
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Tips For Choosing Unique Rings For Women}

Submitted by: Calvin Washin

Today, unique rings for women are very popular. Previously, uniqueness in the rings was not that common, but now women want something different and unique from old styles. This has compelled the jewelers to come up with new styles and designs. Earlier only yellow gold rings were available, but now you get three shades of gold; yellow, white and copper. Moreover, the style of the band has also changed. Now-a-days bigger band which is few inches wider are used by women.

If you want to present a ring for that special woman in your life, but you are confused as to choose which type of ring, then you have stepped up to the right place. Today going through this article would enable you to learn a few tips for selecting a perfect ring for your loved one.

The first thing you must get concerned is about the choice of your woman. You need to be well aware of her likes and dislikes. You can discuss with her about which type of ring she would appreciate. You can also know her taste by analyzing her. For example, if she looks up for traditional styles and antique things, then you need to buy accordingly. Make sure that the material of the ring is allergy free. Most of the men take their women along with them for shopping, as it would become easy and risk free for them.

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The second thing is to decide which metal you would be buying for her. For this, you need to plan your budget. If you are going to buy a wedding ring, it needs to be durable and long-lasting. So, you must select the material which is scratch and marks resistant so that she can wear it daily. After you have decided the budget, select the material accordingly and then focus on the design and style of the ring. As you know, bands are normally worn by women and old-fashioned rings are not in trend. However, it varies from person to person; some women still like to wear the yellow gold rings.

The quality and material you have selected should be good. Moreover, the ring must look elegant and classy. It should be a mixture of both formal and casual styles, so that she can wear it for every occasion. If you are going to buy the ring through an online store, you need to be careful and conscious about scam websites. There are some fake stores which just give odd payment modes. If you find something unusual in the mode of payment, you should know that its a scam website and dont purchase anything from them.

One of the best ways of making online purchases is to ask them to deliver the product at your place and then pay the amount to the delivery boy. It would reduce chances of fraud and error. However, pay only after verifying that you are delivered with the product you placed order for.

About the Author: Give careful consideration while selecting

Silver rings for women

because they are precious, symbol of your love and affection towards your special someone in your life. Nowadays there is a growing demand of

Unique rings for women



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Dentist @ 1:05 am
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State of emergency declared in New York over H1N1 swine flu virus

Thursday, October 29, 2009

According to US health officials, New York state governor David Paterson has declared a state of emergency in the state as a result of the H1N1 swine flu outbreak.

The Associated Press news agency reports that the six-page declaration was issued because at least 75 people have died of H1N1 related illnesses in New York since April. Three have died from H1N1 related illnesses just this past week. The declaration also says that human cases of the virus are on the rise.

Paterson says he issued the declaration because “a disaster has occurred throughout New York State, for which the affected local governments are unable to respond adequately.”

The declaration will allow health officials more access to the H1N1 vaccine and the seasonal flu shot. It will also allow for an increase in the number of vaccine doses available in the state and will allow more health care facilities to administer the vaccine, including dentists and pharmacists. Schools with health centers will also be allowed to administer both vaccines.

Despite the declaration, officials stressed that there is no reason to worry. A spokeswoman for the New York State Department of Health, Claire Pospisil, said that “it [the declaration] helps us to be more prepared.”

The order came shortly after US president Barack Obama declared a national emergency last Saturday, a response to the spreading of the virus, which has now been circulated in 46 states.

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Supporters of Myanmar’s Suu Kyi mark detained leader’s 62nd birthday

Tuesday, June 19, 2007

Aung San Suu Kyi, the detained leader of the National League for Democracy in Myanmar marked her 62nd birthday today, still under house arrest, where she has spent most of the past 17 years.

About 250 supporters met at the National League for Democracy (NLD) headquarters in Yangon, not far from Suu Kyi’s home, and held a rally calling for her release. Doves and balloons were released into the air, under the watchful eyes and video cameras of around 50 plainclothes police officers, who were stationed across the street.

The police force was augmented by a dozen truckloads of members of the Union Solidarity and Development Association, the political arm of the State Peace and Development, the junta that rules Myanmar.

“The doves symbolise peace. We also released colourful balloons, which rise like her prestige when they fill the sky,” NLD women’s wing leader Lai Lai was quoted as saying by Agence France Presse.

With the party marking marking Suu Kyi’s birthday as “Myanmar Women’s Day,” Lei Lei read out a statement at the ceremony, calling Suu Kyi “irreplaceable” and praising her “honesty, bravery and perseverance.”

Security was beefed up around Suu Kyi’s lakeside home on University Avenue, which is usually open to traffic during daytime, but is closed on significant anniversaries such as Suu Kyi’s birthday or the May 30 anniversary of her detention.

NLD supporters said police were also watching their homes.

“Plainclothes police circled around my house on their motorcycles last night until dawn,” Su Su Nway, 34, was quoted as saying by Agence France-Presse. She was arrested on May 15 with 60 others during a prayer rally for Suu Kyi in Yangon, and was released for health reasons on June 7. She said around 52 NLD supporters were still in custody.

Suu Kyi is generally barred from receiving visitors, so she spent the day alone. Except for her maid, a personal physician, a dentist and an eye specialist, the only other person to visit with Suu Kyi in the past year was United Nations Undersecretary-General for Political Affairs Ibrahim Gambari, whom she met for one hour last November at a government guest house.

Winner of the 1991 Nobel Peace Prize, Suu Kyi has been under house arrest for 11 of the past 17 years, continuously since 2003. Her National League for Democracy won a landslide election in 1990, but the military, which has ruled Myanmar since 1962, refused to honor the results. The country is also known as Burma, but the military government renamed it Myanmar in 1989.

Calls for Suu Kyi’s release have been issued by the NLD, various world bodies and other countries, but the pleadings have been met by no response from the generals.

“In our view, until their constitution is ratified, she will not be released,” Sann Aung, a Bangkok-based leader of the Burmese government-in-exile was quoted as saying by Reuters.

“They are worried that she will be a threat to the National Convention and the referendum,” he told Reuters, referring to the planned national referendum on a new constitution that is being written by the generals.

The Nation newspaper in Bangkok marked Suu Kyi’s birthday with an editorial, saying that sanctions against the Myanmar regime have been ineffective.

“The junta has earned huge amounts of foreign revenue from oil and gas exports, with prices jacked up many times over. With rich mineral resources, energy hungry countries have been attracted to Burma despite the repressive nature of the junta,” the editorial said, also making note of a recent deal that Russia has made to build nuclear reactor in Myanmar.

The paper also said Myanmar bodes ill for the 10-member Association of Southeast Asian Nations regional grouping.

“As long as Aung San Suu Kyi remains incarcerated, ASEAN’s reputation and the group’s international standing will be tarnished. Asean leaders have repeatedly appealed to the Burmese junta to free her, but to no avail … today, Burma is the black sheep of ASEAN. Without any current provisions for sanctions, Burma will remain as intransigent in the future as it is today.”

Uncategorized @ 1:04 am
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