Veterans should be careful when buying financial products. Unfortunately, some certified senior consultants have targeted long-term or chronic care for veterans who need help have to pay. Because it is illegal to assist private attorneys and attendance, certified senior advisor to assist veterans in getting the industry has evolved to where counselors help seniors "no charge" or "free" assistance from the Veterans Administration and attendance benefit to seniors. These consultants often "veterans helping veterans" or "Camas Veterans Association" or as confusing name "Veterans Association of Washington. "These consultants are not part of the Veterans Administration benefits in return for a very finite type of insurance product sold licenses are for businesses. Some of the groups themselves" approved "as veterans groups, as described go away.
However, the fact they they a veteran to help earn a commission. Here's how it works: a veteran to pay for long-term care and support needs and / or facility they live in. Certified Senior Advisor says notice of a seminar on how to see the amount of property allowed by the Veterans Administration income is more than 'change' can. Assets in a static single premium annuity that pays a monthly amount to invest in are. Most likely the consultant helps the veteran "for free" and 6 to 9 months, VA $ 1600 to $ 1800 a monthly benefit awards to submit an application for aid and attendance.
Is not paid for 7-8% of annuity sales consultant told the commission. In fact, some go so far as to state consultants "they are paid by the insurer." Results are not disclosed. If the elderly care costs go up, the Giants once again to pay the monthly bills will face financial stress. Veteran then use the Medicaid program and / or money to buy the annuity were to need to reach some of the can. However, the funds are fully committed to the income stream and will most likely not provide Medicaid benefits. Medicaid purchases of annuity income annuities and annuitization benefits both to stop the veteran from qualifying events may be disqualifying.
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Thursday, April 7, 2011
Friday, April 1, 2011
4 Tips on Staying
It seems as though every time I get on track, really be on the beam and in the flow of things, there is another distraction. Sometimes so small it is just enough to trip over to let me know it is there. Other times there it is so great that if I allow myself, (and I have before) I can get so far off the road I was travelling, when I finally see where I am, I have to wonder how I got there. Other times, I can find myself "functioning" in the midst of the distraction but I'm spinning my wheels, not being my best self and really not getting anything of substance accomplished.
So how do you stay focused? What is the answer to stay focused on our businesses during the time of life's distractions? I want to share 4 tips on what helps me when I find myself being drawn away from my priorities and purpose.
The first tip is to get right back on track. I do not spend my time analyzing what happened and why. I have found that life will bring distractions. Sometimes I can see them coming, sometimes I cannot. I do what I know how to do and that is to pick up where I left off. Getting my hands and mind back to what I was doing before the interruption starts the wheels of my mind turning again in the right direction.
The second tip is to take action on the priority at hand. When distractions come, we can leave tasks we previously had scheduled undone. Depending on the amount of time lost, shifting clients and cancelling appointments is sometimes unavoidable and necessary. The first action to take is to work on the priority. Was there an upcoming event or deadline missed or quickly approaching? The first action is to work on the immediate, that way falling further behind is avoided.
The third tip is to ask for help. When distractions come and we lose focus, stress can build. Asking for help and delegating some tasks that we usually handle is a wise choice. When we refocus, it is a time to strategize, move forward and gain momentum. When we ask for help, we are simply saying that, "I need to be at a certain point, by a certain time and I cannot get there by myself." Getting the help we need from competent individuals will relieve a level of stress and move us to where we need to be with more ease.
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So how do you stay focused? What is the answer to stay focused on our businesses during the time of life's distractions? I want to share 4 tips on what helps me when I find myself being drawn away from my priorities and purpose.
The first tip is to get right back on track. I do not spend my time analyzing what happened and why. I have found that life will bring distractions. Sometimes I can see them coming, sometimes I cannot. I do what I know how to do and that is to pick up where I left off. Getting my hands and mind back to what I was doing before the interruption starts the wheels of my mind turning again in the right direction.
The second tip is to take action on the priority at hand. When distractions come, we can leave tasks we previously had scheduled undone. Depending on the amount of time lost, shifting clients and cancelling appointments is sometimes unavoidable and necessary. The first action to take is to work on the priority. Was there an upcoming event or deadline missed or quickly approaching? The first action is to work on the immediate, that way falling further behind is avoided.
The third tip is to ask for help. When distractions come and we lose focus, stress can build. Asking for help and delegating some tasks that we usually handle is a wise choice. When we refocus, it is a time to strategize, move forward and gain momentum. When we ask for help, we are simply saying that, "I need to be at a certain point, by a certain time and I cannot get there by myself." Getting the help we need from competent individuals will relieve a level of stress and move us to where we need to be with more ease.
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Wednesday, March 30, 2011
Managing Risk Effectively
You into a world where we knew exactly what to imagine? Where the weather today and tomorrow was known with certainty. Where their exact marks in school were known as soon as we sign up for courses. We are not likely to be wrong with a winning lottery ticket can choose where. The book was written down where our lives and how we had been given no choice. You can imagine what will happen?
Pretty boring, right?
Risk is a fact of life. In many ways, it is a spice that gives our life meaning. But somehow, we consider it a bad thing to put that risk. Maybe because we have been able to predict with certainty not to hate the idea. But risk management is being effectively a negative to us the idea to reduce risk is required.
In fact, the risk is neither negative nor positive. Risk is another term for some possibility of occurring. A particularly those who have nothing.
We call the risk of error is really the product of three elements and is described as an investment. The first element involves the risk event. This is what we can think to describe. The second element of risk involved or the event is likely. Finally, the element is either a threat or an opportunity to make a risk item impact or the amount can be lost or event should have obtained.
The fact we have a method to determine risk manage effectively allows and also defines what we mean by risk management. Managing risk effectively or most favorable results for a complex balancing act intended to result in higher performance of three different functions can be summarized as follows. We plan to accomplish this mitigation strategy.
On one hand, we risk with a positive result would encourage the occurrence of events. These usually are more correctly called opportunities.
On the other hand, we risk a negative outcome with the occurrence of the events want to discourage. Or, alternatively, should they occur, we want to minimize the impact. Or better still both. Although these events are called negative results often risks, they are more properly called risk correctly.
Of course, our efforts to achieve these goals cost. Proper risk management because risk exposure into account, the cost of mitigation strategies, and increase or decrease in the need to take investment risks. Effect naturally low in cost or at reduced cost to achieve the greatest benefits with.
Effective risk management in mind your own risk and seeks to embrace risk. In theory, our focus on the risk side and the level of risk we are willing to accept and at what level we always actively risk, cost and effectiveness of management needs. But in practice, we observe the occasion after the results would be better than we might be able to deal with needs.
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Pretty boring, right?
Risk is a fact of life. In many ways, it is a spice that gives our life meaning. But somehow, we consider it a bad thing to put that risk. Maybe because we have been able to predict with certainty not to hate the idea. But risk management is being effectively a negative to us the idea to reduce risk is required.
In fact, the risk is neither negative nor positive. Risk is another term for some possibility of occurring. A particularly those who have nothing.
We call the risk of error is really the product of three elements and is described as an investment. The first element involves the risk event. This is what we can think to describe. The second element of risk involved or the event is likely. Finally, the element is either a threat or an opportunity to make a risk item impact or the amount can be lost or event should have obtained.
The fact we have a method to determine risk manage effectively allows and also defines what we mean by risk management. Managing risk effectively or most favorable results for a complex balancing act intended to result in higher performance of three different functions can be summarized as follows. We plan to accomplish this mitigation strategy.
On one hand, we risk with a positive result would encourage the occurrence of events. These usually are more correctly called opportunities.
On the other hand, we risk a negative outcome with the occurrence of the events want to discourage. Or, alternatively, should they occur, we want to minimize the impact. Or better still both. Although these events are called negative results often risks, they are more properly called risk correctly.
Of course, our efforts to achieve these goals cost. Proper risk management because risk exposure into account, the cost of mitigation strategies, and increase or decrease in the need to take investment risks. Effect naturally low in cost or at reduced cost to achieve the greatest benefits with.
Effective risk management in mind your own risk and seeks to embrace risk. In theory, our focus on the risk side and the level of risk we are willing to accept and at what level we always actively risk, cost and effectiveness of management needs. But in practice, we observe the occasion after the results would be better than we might be able to deal with needs.
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