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Thursday, 23 November 2017

HOW MUCH DOES LONG-TERM CARE INSURANCE COST AND WHEN TO BUY IT

November 23, 2017 0 Comments
HOW MUCH DOES LONG-TERM CARE INSURANCE COST AND WHEN TO BUY IT
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HOW MUCH DOES LONG-TERM CARE INSURANCE COST AND WHEN TO BUY IT

REGARDLESS OF AGE, YOU SHOULD REVIEW LONG-TERM CARE COSTS NOW

According to the U.S. Department of Health and Human Services, today’s average 65-year-old has a 70 percent chance of needing some kind of long-term care as they age. They also report that although one-third of today’s 65-year-olds may not ever require long-term care or assistance living, that one out of five will need it for more than five years, that’s 20 percent.
If we use this information, paying for five years of assisted living or long-term care services or housing can be extremely expensive.
One more statistic which is surprising is: todaytips.net

8 percent of people between 40 and 50 years old, have a disability that could require long-term care services
At a time when many hardly have their retirement fully funded, it pays to look into the options for long-term care and what kind of costs are involved with a Long-Term Care Insurance Plan, regardless of your age. Having the facts can save you money long-term, and help you come up with a financial plan to weather difficult times.

WHY GET LONG-TERM CARE INSURANCE? DO I REALLY NEED IT?

No one knows if they will need long-term care insurance, in the same way, you don’t know if you will need home insurance for a theft or fire. However, the statistics indicate that with our aging population one out of every handful of people will need some sort of long-term care, so the question is more about can you afford your own long-term care if the situation arises, and how willing are you to run the risk?

WILL THE GOVERNMENT PAY FOR LONG-TERM CARE?

Some people believe that they do not need to worry about long-term care because the government may pay for these services. This is a misconception.
The government will only pay for long-term care under specific circumstances and the coverage is limited based on specific criteria and situations.
For example, Medicare may pay for long-term care up to a maximum of 100 days for skilled services or rehabilitative care in a nursing home. It is very limited, and statistically, the average covered stay by Medicare is 22 days. Medicaid does provide coverage, but in order to qualify for Medicaid, you must fall into a certain low-income level. For certain populations, there may be some coverage for those who qualify under the  Older Americans Act or the criteria set by the Department of Veterans Affairs. Other than programs like these, which are limited programs that only cater to specific populations, people often have to turn to private health insurance coverage to get help with long-term care costs.

WHAT IS LONG-TERM CARE INSURANCE?

Long-term care insurance (LTC Insurance) provides you with income if you become dependent on someone else’s care or require assistance for basic living tasks and needs due to an illness.
The reason for needing long-term care could be a chronic illness, a prolonged physical illness, a degenerative disease, or other medical condition which requires you to receive home care or get care in an assisted living or long-term care facility.
The income benefit you receive can then be used to pay for your long-term care and assures that you or your family get the help needed for your personal care when you can not provide it for yourself.
Services needed, including those of a caregiver, due to a debilitating illness may include Activities of Daily Living (ADL), home care, housekeeping, nursing services and relocation to specialized long-term care or assisted living facilities.

HOW MUCH DOES LONG-TERM CARE COST?

Although the cost of long-term care varies based on the kind of care you need, there are some online tools that can help you figure out how much Long-Term Care costs per month, like this tool by Genworth that gives an average cost of long-term care as well as state specific info. A tool like this may help you figure out if you could pay for it yourself, or if you should consider Long-Term Care Insurance.

HOW MUCH DOES LONG-TERM CARE INSURANCE (LTC) COST?

The cost of long-term care insurance varies greatly. Even with the same exact situation, the cost you could get quoted with one insurance carrier can be significantly higher than another.
With long-term care insurance, it really pays to shop.
When trying to save money on health insurance, the best approach is to do your research, you could save hundreds of dollars a year which works out to thousands of dollars over time. Getting a health insurance broker that can help you is an option you may want to look at. The broker may not only check many insurance companies for you but will also be able to review your supplemental health insurance coverage options and possibly put together a package that will address many of your needs in health insurance. They will also be able to explain in detail what the various coverage options and conditions are on the policy.

HOW DOES PRICING WORK IN LONG-TERM CARE INSURANCE?

Just like with other private insurance, each LTC insurance provider will set their own rates based on their loss experience and underwriting. LTC packages will have different terms and conditions or requirements.

EXAMPLES OF LONG-TERM CARE INSURANCE COSTS

This information is based on data from the American Association for Long-Term Care Insurance (AALTCI), these are just examples to show the variation in cost in different circumstances and how the choice of LTC Insurance carrier can make a significant difference.
In each instance, there is a price difference of about $1,000 or more based on the insurance company. It can be used as a good example of how important it may be to shop for good Long-Term Care Insurance Rates. These are based on a maximum daily benefit of $150 for three years benefit period, they are just examples, keep in mind you would need to get your own quotes based on your personal situation, these are only to show the potential range in price and to help you see why shopping for a policy is a really important aspect to this coverage.
  • Age 55 — Single Individual; Cost Range: $1,325 to $2,550
  • Age 55 — Couple (both age 55, Preferred Health, Shared Policy); Cost Range: $2,085 to $3,970
  • Age 55 — ​Couple (both age 55, Standard Health); Cost Range: $1,985 to $3,970
  • Age 60 — ​Couple (both age 60, Preferred Health, Shared Policy); Cost Range: $2,605 to $4,935

DOES LONG-TERM CARE INSURANCE COVER COSTS FOREVER?

Long-term care insurance provides coverage for limited times. It is unlikely the benefit will cover costs “forever”. Therefore, you can manage the costs of your long-term care insurance by choosing plans with longer or shorter periods of coverage, as well as by choosing the length of time you will be dependent for before the benefits kick in. We discuss this more in the 10 tips and questions to ask about long-term care below.

10 TIPS FOR BUYING GOOD LONG-TERM CARE INSURANCE: YOUR LTC BUYERS CHECKLIST

Since each insurance company works with their own underwriting standards, it is helpful to have a checklist of items to ask about so you understand what you are shopping for and buying in the coverage.
Here are some points that are important to consider when you are looking for the best company to cover you for LTC:
  1. Ask them about the Activities of Daily Living requirements in order for you to receive a payout of benefits, you want to understand what qualifies for coverage under the LTC plan you are considering.
  2. Does it cover cognitive impairment, some people may have cognitive impairment, yet still be able to perform ADL. Will the plan you are looking at payout in these cases?
  3. Find out what is on the list of Activities of Daily Living that qualify for each plan you are comparing. For example, maybe there is a function of daily living that you can not perform, but by the terms of the policy you chose, it isn’t considered one of the qualifying ADL. A company will usually require more than one activity of daily living to be an issue before you can qualify for your benefits. You want to know what qualifies in advance before you buy your policy. There is no standard definition across the industry for how ADL are evaluated, so it is important to ask questions and get examples o situations for the coverage you are buying. Some examples of ADL are: bathing, dressing, moving around (transferring), eating. How each is defined can make a difference.
  4. Ask them if there is a cash value or option to cash out should you not use the coverage and if the policy pays dividends. What happens if you die and haven’t used the coverage?
  5. Compare cost of single coverage vs. shared coverage with a spouse. This is a good way to save money. In these circumstances ask for a full explanation of what happens and how this shared benefit works if you both are requiring care, vs. only one of you.
  6. Do premiums increase over time or remain constant? Is there inflation protection? Inflation will affect rates of long-term care you may have options in the plan you purchase that addresses this.
  7. How will payment work in a claim? What is the claims process? Are there monthly or daily amounts? What are the limits?
  8. What is the maximum benefit pool? What is the maximum amount of time the benefits are payable for? On average, an LTC policy may provide between one to five years of coverage. Policies do not usually have an unlimited amount of time. This is an important factor to consider when comparing policies. Then, you will want to know if there are riders available to extend that time. These details can make a big difference in your choices and when comparing cost.
  9. Is there a waiting period? How long is it?
  10. If you take a policy with a longer term waiting period, do you have other benefits that you qualify for that can cover you during the waiting period, like Medicare or other private health plans?

WHEN SHOULD YOU BUY LONG-TERM CARE INSURANCE?

People often wait until they think they need something before they start planning for it, and unfortunately, in the case of Long-Term Care Insurance, this will not work in your favor. The AALTCI recommends the ideal age to look into long-term health care insurance to be between the ages of 52-64.
In fact, according to data from the American Association for Long-Term Care Insurance, the rate of rejection for long-term care insurance seems to increase with age. So you may even want to look into options sooner. The increasing rate of rejection as you age makes a lot of sense given that insurance is based on an expected risk, and as you get older more medical restrictions and situations may come up which would point to an increased risk leading to a greater need for long-term care.

WHO SHOULD BUY LONG-TERM CARE INSURANCE TO COVER COSTS?

Obviously, if you are worried about your future you should consider buying long-term care insurance either for yourself, or a parent. However, you should also consider:
  • Making sure you have good health insurance in the first place. Preventative medicine and taking steps to take care of your health may help identify problems before they become serious in many cases.
  • Checking if you have other potential sources of income that you could turn to in a long-term care situation. For example, do you already have a life insurance policy that you may be willing to borrow money from or if the situation came up?
  • Are you in a position to self-insure long-term care costs? Do you have family members who will help? Are those family members really in a position to help?
The decision to purchase long-term care should be reviewed as part of your long-term financial plan. Whether you need it or not is very specific to your own situation. You may decide after reviewing with your financial planner or broker that there are complimentary choices to explore, or you may make changes to your other insurance coverages as a result that will save you money.

SHOULD MILLENNIALS OR YOUNG PEOPLE BUY LONG-TERM CARE INSURANCE?

If you have a parent who does not have long-term care and you are worried that if anything ever happened they could not afford care, you should consider investing in buying long-term care for your parents, or talking to them about it. Families are often the ones who get hit the hardest when an elderly family member becomes sick. According to Genworth’s Beyond Dollars study, 46 percent of caregivers said that providing the care impacted their health and well-being.
Having to take leave of absence from your work, or not being able to work because a parent needs care can snowball into a financial problem for you. Either because you end up paying for the care yourself, or because you are unable to work as a result. Have a discussion with your parents about what happens if they need long-term care. Insurance can help everyone in the family in a case like this and it may be in your best interest to look out for yourself by planning ahead with them.

SHOULD YOU CHOOSE CRITICAL ILLNESS OR LONG-TERM CARE?

Younger people may consider purchasing Critical Illness insurance as an alternative to Long-Term Care when they are younger, and in some cases, the critical illness insurance provider may offer the option to convert the critical illness insurance into long-term care when you are older in your 50s or 60s without taking a medical exam. Not all critical illness insurers do this, but you may be interested in finding one who does if you are planning for your long-term health care.
Never look at long-term care coverage alone, look at your big picture to make the best decision.

STATISTICS ON LONG-TERM CARE: COULD YOUR APPLICATION FOR COVERAGE BE DENIED?

Here are some basic stats based on the AALTCI website: Applicants for long-term care below the age of 50 were declined at a rate of 11%, as we look at the rates of declined coverage for long-term care by age group, we see the numbers where coverage is refused increase:
  • for 50-to-59 the rate was 17 percent
  • 60-to-69 rate increased to 24 percent
  • by age 70-to-79 the figure goes to a rate of rejection of 45 percent

HOW TO CHOOSE A GOOD LONG-TERM CARE INSURANCE COMPANY

Aside from coverage terms, policy premium and how flexible the policy will be for your needs, you also need to consider the financial standing and reputation of the insurance company. It is very difficult to know how insurance companies will perform over time, but there are rating systems that show the financial stability of an insurance company that can be used as indicators. This type of information is key when you are looking at purchasing a policy that may only pay off years down the line like with life insurance or Long-Term Care. Asking a licensed professional like a broker who represents several insurance companies may help, but you can also check the financial ratings of the company in AM Best ratings.

WHICH LONG-TERM CARE INSURANCE COMPANY IS BEST?

Since underwriting for each long-term care plan differs from company to company, the best long-term care insurance benefits plan will be different depending on:
  • Your age
  • Your medical history
  • The amount of long-term care coverage you purchase
  • and a variety of other factors, some of which we covered in our checklist of questions to ask above.

THE BEST WAY TO SAVE MONEY ON LONG-TERM CARE

The best way to save money on long-term care insurance is to plan ahead. When people do not have long-term care options and a situation comes up it throws your whole life into chaos, from lost income, to needing help. Give some consideration to what your risks are now, and what the risks are for your family. Look at the collective of all the difference insurance policies you have, including your life insurance choices. Shop around for competitive rates and an insurance company that offers flexibility and favorable benefit options. Even if you decide you don’t want to purchase the coverage now, at least you will understand what to expect from cost and may benefit from the discussions you will have with brokers or other professionals who can guide you for this part of your financial planning.
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CHEAP CAR INSURANCE QUOTES

November 23, 2017 0 Comments
CHEAP CAR INSURANCE QUOTES




HOW TO GET LOWER PREMIUM FROM AUTO INSURANCE COMPANY

If car owners want cheap car insurance quotes, they have to search well established car insurance companies as well as new for cheapest insurance rates. Receiving car or auto insurance is like maintaining vehicles. But the problem is many car owners are paying too much extra money for car insurance policy without intentionally. Newcar insurance companies are sometimes best for cheap car insurance because insurance business is very competitive and new insurance companies have to compete with established companies, so they bound to limit their price and often offer free quotes and bonus. It�s a good idea for new drivers to get car insurance cheap.

Current insurance company has vital effect on lowering insurance premium if existing car owners have good record of insurance policy. Different car insurance companies have different insurance coverage and the number of existing coverage may not similar with the new insurance companies because there are other variables in the coverage. Car owners should check how much deductible in each insurance package and which policy can best fit their required conditions. todaytips.net
Many car insurance companies consider lower premium and cheap car insurance from previous for their existing customers which increases their business reputation and profit. Getting cheap car insuranceagain from existing companies is common phenomena, but car owners should also check whether the new premium is compatible with new conditions or not.

Getting cheapest car insurance is the main reason to switch another insurance company which is up to car insurance, but the car insurance quotes are changing over time that is yesterday�s insurance quotes may not similar with today�s. So car owners should so their homework before buying insurance policy to check which company offers better coverage with lower premium and which company�s quotes are real.
Cheap car insurance is not easy to find unless car owners do little home work. Go to online, search website which provides multiple car insurance quotes at the same time and compare which car insurance quotes are cheap. By this process car owner can find best cheap car insurance.

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Sunday, 10 September 2017

6 Online Ticketing Techniques That Will Help You Promote Greater Tickets To Your Next Event

September 10, 2017 0 Comments
6 Online Ticketing Techniques That Will Help You Promote Greater Tickets To Your Next Event
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Each occasion is different, but there would not be many organisers internationally who don’t share similar goals of looking to sell more tickets; doing so faster; and achieving maximum ticket yields. And, as with each other a part of walking a hit occasions, planning is key. So plan for in addition ticketing achievement on your next event with the aid of incorporating a number of these normally deployed ticketing techniques.



However first, why is it true to sell tickets early?  human beings who have dedicated on your event by means of shopping for their tickets are your lively advocates; your phrase of mouth advertising and marketing; or your (free) promotional marketing group. The greater of them there are the better the impact. moreover the greater early sales you get in the greater revenue you have earned, and if you use a ticketing issuer consisting of Ticketebo then you will be able to get entry to finances from those early price tag sales to invest now in making the occasion even better. A robust early ticketing marketing campaign can be the difference between having the budget available for that tv ad marketing campaign or a new most important headline act!



Pre-launch Ticketing

A not unusual level to kick start your ticketing campaign is via a pre public ticket release. everybody likes being given the choice to buy something others cannot but buy, so rewarding your contributors/previous clients/your sponsor's clients with the possibility to get in first may be a very effective release marketing campaign. generally the Pre-launch campaign is your first marketing campaign to launch, in which the hyperlink to the ticketing website might be emailed immediately to your chosen purchaser base (at a time while in your internet site tickets aren't available for sale). keep in mind something additional you might want to feature to the combination as inclusions for this release – this can be the Early bird price point, unfastened products and so forth. [Though if your event is an allocated Seating event, just getting access to the best available seats should be a good incentive on its own].



Early bird Tickets

This release stage might be the maximum famous ticketing approach we see deployed to deliver early sales. commonly that is a rate incentive geared toward encouraging 2 crucial organizations to shop for their tickets now. the 1st group are your event's biggest enthusiasts, who buy their tickets as soon as they may be to be had. after they have their tickets they'll begin telling the arena they are going. The 2d institution are the charge sensitive customers - who might be interested in the extremely good value this price ticket launch represents. Getting your early chook method accurate can be a essential step in ensuring the success of your occasion. For a more targeted examine Early chook ticketing see the greater great article approximately Early bird techniques here.



Premium price tag alternatives

A percent of your clients will like your event so much that they need to experience the very fine it is able to supply, and will pay greater for the privilege. observe how you could satisfy their better price range and desires by using presenting additional top rate ticket alternatives. however make certain these options are authentic premium offerings. unique get admission to privileges, event merchandise, reserved sections at your event, meet and greet possibilities with the celebs of the display -  are all popular alternatives for inclusive of in your top rate applications. you will be pleasantly surprised to locate that the first price ticket levels to sell out are your maximum highly-priced ones!



The offered OUT Rocket

Of the most effective and worthwhile words an organiser can show on their event web page is bought OUT. As quick as possible goal to have price tag types displaying to your ticketing page as offered out. It tells everybody (which includes ability sponsors) the event is promoting well, in order that they too want to devote. it's going to also remind people that had they got in faster they might have were given access to higher seats/inexpensive tickets (which they may bear in mind for subsequent time, and give your next occasion a lift). through offering strictly restrained Pre-release and Early fowl tiers you could make sure you've got at least 2 price ticket tiers displaying as bought out for the majority of the ticketing marketing campaign.



Promotional gives

offers are a hugely popular way to shift stock within the retail sector. Likewise we see event organisers adopting many similar techniques. We suggest making plans into your ticketing campaign numerous quick promotional sub-campaigns in which you may provide your tickets/registrations at a reduced charge (or perhaps a unfastened improve). it's miles vital to devise these into your campaign even in case you don’t end up jogging them, as optimistically sales are going so properly you don’t need to execute them. Examples of Promotional gives we regularly see are X% off tickets for the weekend when the usage of Coupon code “XYZ”. groups receiving the provide is probably your consumer database (washed against those who have purchased already so that you aren't spamming them), your facebook lovers or other social media fans. precise offers (so that you also can song their fulfillment) may be launched to the databases of corporations you're affiliated with (eg your exhibitors/sponsors databases).



Praise preceding customers

Repeat customers are critical to the achievement of any event. they're additionally the most inexpensive to market to (as you have to have their touch info). They won’t all leap in at the Pre-launch degree, so suppose creatively about different approaches you could nonetheless praise them for his or her loyalty in order that they commit to coming again. can you offer them explicit entry or Early get admission to to the venue? Is there a contributors vicinity they can use (where the bar/bathroom queue might be shorter)?


Charge extra at the Door

if you are not charging extra for tickets offered on the door you then are missing out on a crucial ticketing step. unless tickets promote out earlier than the day, you will get door income - and the extra money those people pay consistent with price tag will negate revenue lost from your earlier discounted ticket releases. mockingly selecting to rate the equal amount for an internet ticket as at the door will in fact encourage people not to dedicate as there may be no incentive to achieve this. And in the event that they haven’t dedicated to shopping for a price ticket additionally they gained’t deliver you the high quality phrase of Mouth promotions effect. Plan to charge more from the start, and promote this in your advertising. this may drive expanded on line income, which in flip offers you valuable client contact details for future event marketing.



There are lots of methods to make certain your ticketing campaign is continually shifting in the proper route. And no longer all campaigns need to be constructed round discounting. the key to it all is right planning. realize your sales numbers and the way you will hit them via your planned price tag releases. know what your contingency campaigns appear to be and the way the remainder of your campaigns will need to modify if sales are behind at any point.

anticipate the quality for your ticketing marketing campaign, but plan for the worst - then you will have every eventuality blanketed!
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Saturday, 3 September 2016

Nunavut Arts and Culture

September 03, 2016 Onaija , 0 Comments
Nunavut Arts and Culture

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  • 84 percent Inuit population110 carvers and printmakers in Cape Dorset
  • 20 million dollars of arts and crafts produced annually

Nunavut is an Arctic territory whose predominantly Inuit population makes it rich with aboriginal art and culture. On a warm summer day in most communities carvers sit outside unleashing polar bears and dancing walruses from chunks of stone, antler, marble or bone: make an offer and buy creations warm from the sculptor’s hands.

Stone carvings from Cape Dorset - with the highest per capita number of artists in Canada – have been gifted to presidents, kings and popes. World famous Inuit prints are made in Cape Dorset as well as in the scenic community of Pangnirtung where you can also watch weavers at work in a unique tapestry studio. Iqaluit, the territorial capital, is a creative hub with several art boutiques including the well-stocked Nunatta Sunakkutaangit Museum gift shop.

  Head to the Legislative Assembly, designed along the sleek lines of a traditional Inuit sled, and see masterpieces like a scepter carved from narwhal tusk ivory. Visit Iqaluit during Toonik Tyme in spring to hear elders’ stories, traditional throat-singing and drum dancing. Learn Inuit games and dine on caribou stew. Or experience the Alianait! Arts Festival in July, a Northern theatre, film, music and dance extravaganza playing out beneath the Midnight Sun.
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POWERFUL SKILLS FOR INSURANCE CAREER SUCCESS

September 03, 2016 Onaija , 0 Comments
POWERFUL SKILLS FOR INSURANCE CAREER SUCCESS
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If you’re in the midst of applying to insurance jobs or are looking into roles for down the road, it’s important to know which skills your potential employers are seeking during the
application process.
Here are some of the most sought-after skills you’ll need for success in your insurance career.
1. Customer service
As an insurance professional, you will be managing multiple relationships and priorities. Ensuring that you are understanding your customers’ needs, professionalism, managing your time and their expectations effectively and delivering what you promise can play a key role in a successful insurance career. Any experience that helps you demonstrate your ability to respond to inquiries, manage a high volume of traffic, deliver some ‘tough messages’ or your commitment to go above and beyond are great selling points for your application and interview.

2. Communication
In an insurance role, you’ll be required to communicate with internal and external stakeholders. This is why employers seek candidates who stand out when it comes to their communication skills. When applying for an insurance role, be sure to showcase any experiences, courses, or volunteer work that have developed your communication skills
and be sure to highlight them in your application.
3. Teamwork
Though there may be times when you are working independently, you will ultimately be working as part of a team to achieve your unit or organization-wide objectives. Working
collaboratively to identify new business opportunities, generate a solution to a problem or emerging issue, or develop a strategy to manage a potential risk effectively are just a few examples of ways you may find yourself working with your colleagues. Think about school projects, jobs you have had, committees you were a part
of or extracurricular activities that had you as a part of a team (for example: band, sports teams, debate clubs, etc.).
How did you go about achieving success? What role did you play? How did you capitalize on each other’s strengths? Overcome challenges? These are all great examples to showcase your ability to work as part of a team.
4. Professionalism
Insurance is all about peace of mind. It is important that those working in the sector are seen as the professional they are. Demonstrating due diligence, paying attention to detail, wearing appropriate business attire, maintaining ethical standards and confidentiality, staying up to date on current trends/products and exercising sound judgment
are all qualities that make up the package of the professional people are entrusting to help them to protect the things they hold most dear. If you have the opportunity to engage an employer in-person or are brought in for an interview, be sure to take steps
to put your best foot forward and convey that you are the professional the employer is looking for to join their team.
5. Results-oriented
On virtually any career path, success is not just based on doing the job. Rather, it is often judged by the results you have achieved. Whether you are bringing on a new client, reducing the degree of risk associated with a particular client’s needs, developing a
new product or settling a claim fairly and efficiently, there are lots of ways to achieve a positive result in your career as an insurance professional. In the application process, be sure to focus in on not just what you did, but the results and outcomes from each of your previous roles.
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SEE 4 REASONS WHY INSURANCE IS GOOD

September 03, 2016 Onaija , 0 Comments
SEE 4 REASONS WHY INSURANCE IS GOOD
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When you buy insurance, you’re buying a promise that if something catastrophic happens to your business your carrier is going to assist you to make your business whole again.
Sometimes, though, it’s tempting to question the value of insurance because it is an intangible product. Let’s back up and take a big-picture view of why insurance matters. Here are seven reasons why insurance is important.
1. Insurance Ensures Family and Business Stability
Insurance is a safety net for when risks go wrong. Life insurance can support the life of a family, should a member be lost. It’s similar for a business. Should a key member or piece of equipment go out of commission, the business can carry on, thanks to insurance. This reason why insurance is important dovetails nicely with peace of mind. It all goes back to the idea that insurance, when activated, makes policyholders whole again.


2.) Insurance Protects the Small Guys
When you look at your industry, you see the “big guys” and the “small guys.” If a risk goes wrong, the big guys will be able to survive. They can take a hit. But the little guys can’t take a hit. As a result, they are more risk averse, and in some cases, they sell out to the big guys. If enough little guys leave the industry (and one big guy swallows them up), you’re left with a monopoly. With insurance, however, the little guys have support if they want to take a risk, which means they stick around longer. What it comes down to is that insurance helps prevent monopolies from forming.
3. Insurance Grants Peace of Mind
Insurance, an intangible, provides another intangible: peace of mind. Business owners can take on certain business ventures because they can shift the risk — thanks to insurance. This reason is the counterpart to — lenders require insurance. Insurance is the required safety net (by lenders) that lets entrepreneurs explore opportunity.
4. Lenders Require Insurance
Mortgage lenders want proof of insurance before you buy or build a new building. In short, to get the money your business needs to keep going, it’s likely you enjoy the benefits of insurance. Without insurance, your winning business model can’t get the funding it needs to take its first step, or your established business model can’t get the funding to evolve and better compete.
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9 GREAT TIPS FOR HEALTHY SKIN CARE

September 03, 2016 Onaija , 0 Comments
9 GREAT TIPS FOR HEALTHY SKIN CARE
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Skin is extremely important for good health, because it protects the rest of our body from germs and infectious agents. While many people want healthy skin because of the radiant appearance it provides, it can also be an indicator of overall health, and having healthy skin starts with having a healthy body. Skincare and anti-aging products are huge industries, but taking care of your skin has just as much to do with how you treat your body and what you put into it as it does what you put on it.

1. Relax and unwind.
Stress can wreak havoc on your skin and body as well as your mind, and the hormones your body releases in response to stress can exacerbate things like acne, psoriasis, rosacea, and eczema. Furthermore, stress can increase healing time in your body, so breakouts will take longer to go away.
2. Wash regularly, but not too often.
Your skin is covered in a layer of dead skin, oil, and good bacteria that help prevent harmful things from entering your body.
Showering washes this layer away. Clean skin is important for good hygiene, but washing too frequently is unnecessary, and can make it more difficult for your skin to protect your body from contaminants and infections.
3. Pat your skin dry.
Instead of rubbing dry with a towel when you’ve finished bathing, gently pat your skin with a towel and let the remaining moisture air dry. This will ensure you leave a layer of oil on your skin that will help keep in moisture and prevent dryness.
4. Get your omegas.
Fats are necessary for healthy skin, especially omega-3 and omega-6 fatty acids. These fatty acids keep skin bright and moisturized, and prevent dryness and blemishes.
5. Drink water.
The skin, like every part of the body, needs proper hydration to function optimally. Sufficient hydration can prevent dryness and flakiness, which will prevent wrinkling and make lines less noticeable.
6. Don’t smoke.
Smoking, like stress, has a negative impact on your health, skin, and appearance. Smoking decreases blood flow, which is necessary for healthy skin. It also damages collagen and elastin, while the physical motions associated with smoking lead to wrinkles around the mouth and eyes.
7. Get enough sleep.
Sleep is important for many reasons, and healthy skin is just one of them. For one, when we sleep, our bodies secrete certain growth hormones, and this leads to collagen production.
8. Buy a moisturizer suited for your skin type and use it daily.
Daily moisturizing is one of the keys to healthy skin at any age, but it becomes even more important as you age. Your skin will naturally dry out over time, but you can keep it healthy by using a well-formulated moisturizer each day to keep your skin young and supple. No one product works for everyone, so get one that sounds appropriate for you.
9. Eat a skin-healthy diet rich in vitamins, minerals, and antioxidants.
The more vitamins and minerals you can get from your diet, the better. This only becomes more important as you age. However, you should consider taking a supplement as well if you are worried that you aren’t getting enough skin-healthy nutrients.

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