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Who should buy long term care insurance (LTCI)? This questio
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MessaggioInviato: 25 Lug 2019 02:48:44    Oggetto:  Who should buy long term care insurance (LTCI)? This questio
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Who should buy long term care insurance (LTCI)? This question seems to be addressed to professionals marketing LTCI policies but the irony of it is that it actually goes out to the greater percentage of uninsured individuals who continue to justify why they donít need an LTCI policy.


LTCI experts will say this type of insurance product is designed for people who may potentially develop serious health conditions such as cancer
, heart diseases, Alzheimerís, dementia, and osteoporosis among others, and eventually lose the ability to live independently and perform the activities of daily living (ADL) such as eating, bathing, dressing, and toileting among others without assistance.


To know if you are a possible candidate for any of the above-mentioned illnesses, look up your familyís health history and undergo a general checkup with your doctor.


Now aside from those individuals who have a genetic predisposition towards life-threatening maladies, insurance companies said LTCI policies are also intended for disabled young individuals, or those who have sustained serious injuries such as a broken spine, broken hip, or a fractured knee and thus necessitate care in an LTC facility that specializes in rehabilitative care.


Individuals with a longer life expectancy are also advised to secure an LTCI policy because their chances of needing care in the future are big. Truth is, the longer you live the higher is your risk of requiring LTC because you become more susceptible to various geriatric diseases.


If you canít convince yourself that you could need LTC someday, you can opt for another kind of LTC plan. What matters is that you donít reach the age of retirement without a concrete plan for your future health care needs.


Who Should Buy Long Term Care Insurance?


After careful analysis of the list of individuals who could possibly need LTCI, itís just right to conclude that everybody will need it at some point in his life.


Given you are not genetically predisposed to cancer, stroke, Alzheimerís, and other serious health disorders but if your current lifestyle is not good it could be a major threat to your health. Smoking, drinking, poor diet, and sleep deficiency could make one a candidate for all kinds of heart diseases.


If you can boast a healthy lifestyle then good for you but can you control accidents that would befall you? When driving your car, engaging in sports, or simply cleaning your house, the only thing that you can do is to keep yourself away from danger but sometimes a collision, a fall or a slip cannot be avoided.


You can say that youíll be extra careful in order to avoid possible accidents that may lead to hospital confinement and eventually to nursing home care. In case you succeed in this goal and manage to live into your 80s or 90s, donít think that youíve escaped LTC.


Once you arrive in the line of 80s observe how you move physically and how you think. If you cannot perform the simplest activities at home without calling out to a family member for assistance, you are in effect, receiving LTC.


Perhaps, itís every single American who should buy long term care insurance because by the looks of it, no one shall be spared from the high cost of care. Contact a licensed LTCI agent in your area to inquire about your options.


Commercial real estate loans are provided to borrowers who want to invest in income producing properties such as apartments, motels, malls, office space, manufacturing facilities and so much more. Now, there are two kinds of commercial real estate loans: short term and long term. Short term loans are made up of bridge loans that a borrower avails of to help keep the business running while long term loans tend to have larger amounts and usually last for the lifetime of the commercial real estate property.


Commercial real estate loans are a very fickle matter for the borrower, primarily because there will always be certain problems that may arise throughout the entire duration of the loan. The following are just some of the most common problems in commercial real estate loans and can be avoided when precautions are taken; however, there may be circumstances wherein some of these problems are unavoidable:


1.) Special purpose properties Ė Properties that donít fall under the residential or retail office buildings are sometimes considered as special purpose properties. This means that loans for acquiring properties such as restaurants and caf?ís are incredibly difficult to find. Other special purpose properties include churches and nursing homes.


2.) Up front commitment fees Ė Commercial borrowers should not pay a commitment fee, unless circumstances force them to do so. Take note that retainer or processing fees do not fall under the commitment fee and should be accepted as a standard business practice.


3.) Business plans Ė Borrowers should avoid lenders which require business plans, but there are a few cases or exceptions where they will require you for a business plan.


4.) Collateral Ė Borrowers are not and should not be required to use their personal assets as a form of collateral to obtain the commercial real estate loan.


5.) Loan processing takes too long Ė A lot of traditional banks usually take up to 9 months to close a commercial mortgage but lenders who are more action oriented can close real estate loans in 45 to 60 days.


6.) Minimum loan requirement may be more than you need Ė There are certain lenders which have a minimum amount that you can loan. While this is not exactly a bad thing, there may come a time where you donít have a choice but to avail of the loan even if it exceeds your desired amount. Most banks have a minimum amount ranging from $500,000 to $1,000,000.


These are just so.
[url=http://www.airjordanretrosfoWho should buy long term care insurance (LTCI)? This question seems to be addressed to professionals marketing LTCI policies but the irony of it is that it actually goes out to the greater percentage of uninsured individuals who continue to justify why they donít need an LTCI policy.


LTCI experts will say this type of insurance product is designed for people who may potentially develop serious health conditions such as cancer
, heart diseases, Alzheimerís, dementia, and osteoporosis among others, and eventually lose the ability to live independently and perform the activities of daily living (ADL) such as eating, bathing, dressing, and toileting among others without assistance.


To know if you are a possible candidate for any of the above-mentioned illnesses, look up your familyís health history and undergo a general checkup with your doctor.


Now aside from those individuals who have a genetic predisposition towards life-threatening maladies, insurance companies said LTCI policies are also intended for disabled young individuals, or those who have sustained serious injuries such as a broken spine, broken hip, or a fractured knee and thus necessitate care in an LTC facility that specializes in rehabilitative care.


Individuals with a longer life expectancy are also advised to secure an LTCI policy because their chances of needing care in the future are big. Truth is, the longer you live the higher is your risk of requiring LTC because you become more susceptible to various geriatric diseases.


If you canít convince yourself that you could need LTC someday, you can opt for another kind of LTC plan. What matters is that you donít reach the age of retirement without a concrete plan for your future health care needs.


Who Should Buy Long Term Care Insurance?


After careful analysis of the list of individuals who could possibly need LTCI, itís just right to conclude that everybody will need it at some point in his life.


Given you are not genetically predisposed to cancer, stroke, Alzheimerís, and other serious health disorders but if your current lifestyle is not good it could be a major threat to your health. Smoking, drinking, poor diet, and sleep deficiency could make one a candidate for all kinds of heart diseases.


If you can boast a healthy lifestyle then good for you but can you control accidents that would befall you? When driving your car, engaging in sports, or simply cleaning your house, the only thing that you can do is to keep yourself away from danger but sometimes a collision, a fall or a slip cannot be avoided.


You can say that youíll be extra careful in order to avoid possible accidents that may lead to hospital confinement and eventually to nursing home care. In case you succeed in this goal and manage to live into your 80s or 90s, donít think that youíve escaped LTC.


Once you arrive in the line of 80s observe how you move physically and how you think. If you cannot perform the simplest activities at home without calling out to a family member for assistance, you are in effect, receiving LTC.


Perhaps, itís every single American who should buy long term care insurance because by the looks of it, no one shall be spared from the high cost of care. Contact a licensed LTCI agent in your area to inquire about your options.


Commercial real estate loans are provided to borrowers who want to invest in income producing properties such as apartments, motels, malls, office space, manufacturing facilities and so much more. Now, there are two kinds of commercial real estate loans: short term and long term. Short term loans are made up of bridge loans that a borrower avails of to help keep the business running while long term loans tend to have larger amounts and usually last for the lifetime of the commercial real estate property.


Commercial real estate loans are a very fickle matter for the borrower, primarily because there will always be certain problems that may arise throughout the entire duration of the loan. The following are just some of the most common problems in commercial real estate loans and can be avoided when precautions are taken; however, there may be circumstances wherein some of these problems are unavoidable:


1.) Special purpose properties Ė Properties that donít fall under the residential or retail office buildings are sometimes considered as special purpose properties. This means that loans for acquiring properties such as restaurants and caf?ís are incredibly difficult to find. Other special purpose properties include churches and nursing homes.


2.) Up front commitment fees Ė Commercial borrowers should not pay a commitment fee, unless circumstances force them to do so. Take note that retainer or processing fees do not fall under the commitment fee and should be accepted as a standard business practice.


3.) Business plans Ė Borrowers should avoid lenders which require business plans, but there are a few cases or exceptions where they will require you for a business plan.


4.) Collateral Ė Borrowers are not and should not be required to use their personal assets as a form of collateral to obtain the commercial real estate loan.


5.) Loan processing takes too long Ė A lot of traditional banks usually take up to 9 months to close a commercial mortgage but lenders who are more action oriented can close real estate loans in 45 to 60 days.


6.) Minimum loan requirement may be more than you need Ė There are certain lenders which have a minimum amount that you can loan. While this is not exactly a bad thing, there may come a time where you donít have a choice but to avail of the loan even if it exceeds your desired amount. Most banks have a minimum amount ranging from $500,000 to $1,000,000.


These are just so.
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MessaggioInviato: 25 Lug 2019 02:48:44    Oggetto: Adv






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