What Long Term Care Insurance Can Do for You

By Terry Stanfield

As people begin to live longer lives, the need for long term care has become apparent. You have probably noticed long term care facilities in your area. These range from full service facilities where people who are incapacitated can have round the clock medical care to assisted living where some folks are independent but need help once in a while.

The baby boomers are beginning to age and the need for long term care has become apparent. As a matter of fact, it is estimated that 70 percent of people will need long term care at one time in their lives. Yet insurance does not pay for most of this care. In many cases, a person has to use up all of their hard earned savings, money that they maybe wanted to leave to their children, and pay for nursing home care.

Once someone has basically bankrupted themselves by paying for their care, they have to go on public aid. In many cases, they are then transferred to another facility which may be far from their home. This can make it difficult for loved ones to visit with them, only adding to the misery of trying to recover from illness. If the person does get well, they find that they have nothing left - no home, no savings and no possessions. Everything went to pay for their care.

When you work all of your life, you want to leave something behind to your loved ones after you are gone. You do not want to burden them with debt. Yet many adult children of those who need long term care are paying $150 a day to keep their parents in decent long term care facilities.

This is the reason why you need long term care insurance. Yes, you would like to live to a ripe old age, save your pension and die in your sleep. Unfortunately, it doesn't always work that way. Chances are very great that you will end up needing some long term care. This is why it is wise to get insurance.

If you are counting on Medicare to pay for your long term care, forget it. Medicare will not cover these costs entirely. For the most part, you will be on your own. And $150 a day is not unreasonable for the care that you will require in a long term care facility. - 23199

About the Author:

Before you go out and buy a policy go to Long Term Care Insurance, ask questions and request a long term care insurance quote. We represent 20 of the top LTCi providers. This gives you tremendous options.

What Are Short Term Stock Picks?

By Michael Swanson

According to those in the chaotic world of the stock market, short term usually refers to only 1 or 2 trading days. Short term stock picks are ones that have the potential for good investment in that amount of time. If you are a stock market beginner you need to understand this.

The way a person can do good in the stock market is by locating stocks that are gaining and then investing in them wisely. Among the best short term picks, the top ones have sometimes seen a rise of 10% or more in one trading day. Never make a wild guess when it comes to these short term stock picks though, always consult an expert about the matter.

You will find a lot of different agencies on the internet that have information of these types of stock picks available to investors for free. The information is usually provided with regards to all types of securities in mind.

Some guidelines are put in place to assist traders in being effective at stock trades that are most likely to show an upward trend within the next couple of days. The only requirement for many of these sites is that you sign up with your email address. A lot of the short term traders find this information useful. However, you will most likely come across some sites that have completely free membership, while others will only give a free trial.

For short term stock picks to be found, a formula is used to figure out the market outlook based upon open and new trade percentages. Investors who choose to use this information to their advantage get a well rounded look at the entire market, get helpful tips and strategies as well as other useful resources.

Extensive research and detailed stock analysis can help a person gain information about low risk stock picks with high profit potential. You can begin to start trading after you have studied the performance, quotes, earning estimates and price charts that you are provided with. - 23199

About the Author:

For more on buying stocks grab our free stock picks newsletter.

Stock Market : Day Trading Requirements

By Prema De Silva

Day trading the stock market is an attempt reserved for those without an aversion to high risk trades. The most successful day traders treat it like a full time occupation while. The successes that some day traders have achieved is the primary reason why more and more people are trying their hand at day trading.

Those that choose to enter the risky world of day trading without the suitable money management and trading strategies will likely blow their accounts. Have a clear idea of the trading strategy you will be using. Without a proper strategy, all the best money management skills in the world will not mean a thing.

The key goal in any type of market is to buy low and sell high. Your trading strategy will determine the right time to enter the markets. Because that is easier said than done, here are a few tips on day trading.

Information is key, pay attention to the news. You need to pay special attention to profit reports, news of a takeover and the overall performance of the company in question. Do a few background work on the company, confirm historical performances.

Avoid dead stocks that hardly move anywhere. Stocks with good activity offer the ideal chance for a scalp. This rings true when dealing with forex trading. In the currency market, volatile pairs such as the GBP/JPY or the XAU/USD are ideal candidates.

The capability to crunch numbers in a short time period is another essential tool to have. Making sense of financial data is essential. A skill that all good day traders have is the capacity to react to financial news on the fly.

Mental stability is essential during the decision making process. Mistakes start happening the second a trader starts to lose emotional control. The day trader must be able to move on very swiftly, emotional attachments only works against the day trader.

Everything that is listed above is needed to become a successful day trader. And we haven't even touched on trading strategies yet. - 23199

About the Author:

Read here and go here for information on stock trading online. Prema De Silva is very active in both the forex trading scene and the stock market arena. She currently owns and operates a website dealing with online investments and online trading.

Grants for Minority Women to Start a Business

By John Holden

Minority women that start their own business will usually go to a bank and get a loan. Otherwise they might they to borrow money from their family or friends. Although there is nothing wrong with these traditional methods of obtaining financing, many minority women overlook business grants for minority women.

As a minority woman, you can claim benefit to many small business grants for minority women. You can use these grants to help start your business and pay expenses that come with running a business.For you to apply for minority business grants for women, you must be an African American, Asian, or Hispanic female.

Many organizations give out minority business grants for women including the federal government. The organizations may include Non-profits and businesses.

If you want to be taken seriously for minority business grants for women, then you must have a business plan. The grantors want to see that the money they give you will be put to good use. A business plan can also help you to organize your business and set goals.You can look for sample business plans online if you do not know how to write one. Otherwise, there are business consultants you can hire to help you.

If you do not know how to write a business plan, there are many sample business plans you can look at online. You may also want to hire a consultant who can help you write up a plan.Go to the government website to find grants. The website lists many grants so you will need to sift through them and find the ones that pertain to your cause.

Next contact local businesses and organizations that help women start businesses. They might provide grants. If not, they can at least give you some advice on how to start up your business.Finally contact your state or local government and see if they offer grants. State and local governments have separate grants from that of the federal government.

Contact your local or state government. These governments usually have their own grants separate from federal grants.Since there are many minority business grants for women out there, it is in your best interest to apply for as many as possible. You may not get all the grants but you will certainly get some by the sheer volume that you apply to. - 23199

About the Author:

To read more about US grants, check out Success Grants. Also, check out the Success Grants review now!

MLP (Part II)

By Ahmad Hassam

As said, this has to be done on a quarterly basis. The reason MLPs exist is to distribute all available cash back to the MLP unit holders. The following factors are considered before determining the amount of cash distributed to each individual investor:

1) How many units you hold as an MLP investor. 2) The incentive distribution rights created for the GP. 3) The difference between the total cash flow and the cash flow ploughed back into the MLP for futures growth.

So once you decide to invest in commodities, you have many investment options like mutual funds, stocks, ETFs as well as MLPs. You must do your due diligence while making your investment decisions. There are always pros and cons of each investment vehicle!

Investing in MLPs is quite simple. Since an MLP is a publicly traded entity. You can simply invest in an MLP by calling your broker and telling him or her how many units of a particular MLP you are interested in buying. So investing in an MLP is just like investing in stocks.

There are not many MLPs registered in US. Something like 50 MLPs is being publicly traded in the United States. Out of these 50, 40 are energy MLPs meaning that they are involved in the storage terminals, pipelines, transportation, refining and distribution. Majority of MLPs trade on NYSE with a few trading on NASDAQ and AMEX! So you don't have to do your research from a long list of MLPs. MLP sector is growing.

You only need to remember this 90% of the income that comes to an MLP should come from the production and distribution of commodities for these MLPs to have the tax exempt status. Moreover, investing in pipelines and other energy infrastructure offers steady cash flow streams for an MLP.

So when you invest in an MLP, you should look for answers to the following questions: 1) What's the historical payout of the MLP? 2) How much is the cash flow? And so on. If your brokerage firm has published some research on the MLPs, you can reference that.

Don't forget there is always some risk involved in any investment. The more return you demand, the more risk you will have to take. Now investing in MLPs do come with some risks like most of the infrastructure is like pipelines and drilling rigs that are vulnerable to natural disasters and earth quakes like the Hurricane Katrina, so any such event can have a negative impact on your investment.

Since the MLP is fairly small at this moment, there can be liquidity issues in withdrawing your investment from an MLP. These are some of the risk that you can face while investing in an MLP. There is another risk related with the management. You don't have much say in the management of the MLP. Running an MLP is basically a GP show. If you are not satisfied with the performance of the management or its policies only thing that you can do is to withdraw your investment from that MLP. - 23199

About the Author:

Mr. Ahmad Hassam is a Harvard University Graduate. Trade Dow Futures . Learn Commodity Trading !