Hybrid Long Term Care Insurance Companies To Debate At Association Summit

Long term care insurance hybrid product info at www.aaltci.org

Executives from four leading companies offering hybrid life insurance policies offering long term care insurance benefits will debate the merits of their company's specific offering at the nation's largest gathering of insurance sales professionals focused on this field.

"Sales of life insurance policies which pay a long term care benefit are increasing but insurance professionals are confused as to the pros and cons of each particular product," declares Jesse Slome, executive director of the American Association for Long-Term Care Insurance.  A 90-minute debate featuring four of the nation's leading companies offering these products will be featured at upcoming National Long Term Care Insurance Summit.  The conference is the premier industry gathering and takes place November 10-12, 2012 in Las Vegas, Nevada.

According to Slome, the four companies represented will be Lincoln Financial Group, OneAmerica, Genworth Financial and Security Mutual Life which markets a rider to their life policies.  "A number of new insurers are starting to offer life insurance products offering accelerated long term care benefits such as Pacific Life," according to Slome.  "We believe when insurance professionals can stack up the respective pros and cons of each product they will be better able to educate their clients and help them make better decisions."

Over 550 insurance professionals, members of the trade group are registered to attend the event which features some 30 different sessions as well as keynote addresses from Knight Kiplinger, editor in chief of Kiplinger's Personal Finance magazine and Jesse Slome who will discuss a 'new and improved" long term care insurance plan of protection.

To learn more about the 2012 long term care insurance sales conference call the organization’s offices at (818) 597-3227 or visit the Association’s website.

Long Term Care Insurance Increased Tax Deduction Limits Announced

The Internal Revenue Service (IRS) announced increased deductibility levels for individuals purchasing long term care insurance policies purchased in 2013.  
     

"For taxable years beginning in 2013, the limitations have been increased," explains Jesse Slome, executive director of the American Association for Long-Term Care Insurance (AALTCI), the industry's trade association.  “Tax advantaged long term care insurance remains one of the few remaining significant tax-savings benefits especially meaningful for small business owners."

The deductible limits under Section 213(d)(10) for eligible long-term care premiums includable in the term ‘medical care’ are based on the taxpayers attained age before the close of the taxable year.  For those age 40 or less, the maximum deduction is $360 an increase from the 2012 amount ($350).  The maximum amount that may be deducted by an individual who is more than age 70 is $4,550, an increase from $4,370 in the prior year.

"The federal government and a growing number of states are offering deductions and in some cases even credits to encourage individuals to plan for the eventual need of costly long-term care," Slome explains.

According to the just released IRS Revenue Procedure 2012, the deductible limits range from a low of $360 to as much as $4,550 per individual.  "The deductions are especially meaningful at older ages when it is likely a couple will have lower income and potentially other medical expenses necessary to meet minimum thresholds," Slome explains.  "That said, people must buy long-term care insurance when they can still health qualify.  Tax deductions are a meaningful added plus to the potential of not having to depend on family members or spend your retirement income for care."

     
For calendar year 2013, the per-diem limitation under Section 7702B(d)(4) for periodic payments received under a qualified long-term care insurance contract is $320 (the 2012 limit was $310).
     

Established in 1998, the American Association for Long-Term Care Insurance is the national association focused on creating heighten consumer awareness regarding the importance of planning and serving insurance and financial professionals who provide long-term care financing solutions.  A complete explanation of long term care insurance tax deduction limitsand rules for individuals and business owners can be found on the Association's website.

Long Term Care Insurance Association Kicks Off Membership Campaign

A national drive to educate thousands of insurance professionals about the importance of long term care insurance planning for their clients along with a membership drive will be launched.

“America faces a long term care tsunami as millions of people live into their 80s, 90s and even past 100 and very few have done any planning," declares Jesse Slome, executive director of the American Association for Long-Term Care Insurance.  The trade group, founded in 1998, is the leading organization supporting insurance professionals who market long term care insurancesolutions.

"The past few years have witnessed many significant changes in the long term care planning landscape and our goal is to help bring people up-to-date with what's taking place and what they need to do to build more successful practices," Slome explains.

The national association will be conducting extensive producer education throughout the month of November including the holding of the national Long Term Care Insurance Producers Summit in Las Vegas.  "The Summit is the industry's largest national long term care insurance conference exclusively for insurance agents who market and sell solutions with over 500 attendees," Slome notes.

The Association will conduct a national membership drive as well.  "We provide exclusive benefits for members designed to help them generate more prospects and sales," Slome notes.  The Association maintains the nation's largest Long Term Care Insurance Online Learning Marketing Sales Center consisting of nearly 1090 training audios, marketing material that can be personalized and used by agents to get more long term care insurance leads and sales.  Membership in the organization is $98 per-year.

Established in 1998 as a non-profit trade group, the American Association for Long Term Care Insurance advocates for the importance of planning for long term care and supports insurance and financial professionals who market LTC insurance.  To learn more about long term care insurance costs call the organization’s offices at (818) 597-3227 or visit the Association’s website.

Long Term Care Insurance Rates Account For 2013 Change

The impact of the changing reserve requirements for long term care insurance has generally already been taken into account and isn’t expected to create further rate increases starting next year according to Jesse Slome, executive director of the American Association for Long-Term Care Insurance.

“We’ve had several recent calls from consumers after being told by a financial planner that rates for insurance would ‘increase significantly’ in 2013,” Slome explains.  “The new discount rate will have minimal impact on long term care insurance and in many cases has already been taken into account by insurers.”

According to Slome, the ‘valuation discount rate’ used for calculating statutory reserves or capital requirements for long term care insurance is dropping from 4 percent to 3.5 percent for new business starting in 2013.  “The rate is tied to Treasury yields based on a complicated formula,” Slome notes.  “It automatically updates when new money rates change over a period of time.”

Five-year Treasury rates are at historic lows (0.62%) and 10-year yields are at 1.59 percent as of September 4, 2012.  “By comparison, both five and 10-year rates were 4.68 percent on January 1, 2007 and 2.65 percent and 4.60 percent as recently as January 4, 2010.

“Low interest rates have been the primary cause of increasing rates for long term care insurance and have impacted other insurance lines including fixed annuities as well as life and disability insurance,” Slome states.  “To compensate for every one percent decline in interest rates which equates to lower investment income, an insurer needs a 10-to-15 percent increase in premiums.   The drop in just the past two years has had an enormous impact.”

The Association reports that the changing reserve requirements that take effect January 1^st are designed to provide added protection to policyholders.  “The half percent drop in reserve rates will have a nominal impact on premiums,” Slome.  “The impact depends on a policy’s duration but is in the two-to-five percent range.”

The American Association for Long Term Care Insurance was established in 1998 to advocate for the importance of planning for long term care and to support insurance and financial professionals who market LTC insurance.  To learn more about long term care insurancecosts call the organization’s offices at (818) 597-3227 or visit the Association’s website.

New Report Lauded By Long Term Care Insurance Industry Executive

The executive director of the American Association for Long-Term Care Insurance cited a new report that called further attention to the sever economic strain America’s aging population will place on federal programs such as Medicare and Social Security.

According to the report by the National Research Council and funded by the U.S. Treasury, there are options that can help the nation avoid what others call a very grim reality.  “As a nation we need to act sooner rather than kicking the can further down the road,” declares Jesse Slome, executive director of the nation’s long term care insurance industry trade group.  “Waiting will only make the matter worse and the cure that much more severe, and yet we seem to be willing to bury our heads and avoid what expert after expert predicts.”

The report notes that the aging of the American population will pose continuing economic challenges for the country for decades to come.  According to the report, the ratio of adults aged 65 and over compared with people aged 20 to 64 will increase by 80 percent in the coming decades.

Experts explain that the shift is partly the result of increases in average life expectancy which has risen from 47 years in 1900 to 78 years today.  According to Slome, life expectancy continues to grow and is projected to be 84.5 years by the year 2050.

“America is rapidly becoming an aged nation without a plan for dealing with the needs of our people and their families,” Slome concurs.  “Declining birth rates among younger people means a smaller proportion of the population will be under 65.”

The report mandated by Congress notes that while some people have saved amply for retirement, between one-fifth and two-thirds of today's seniors have not saved enough, leaving them to rely heavily on Medicare and Social Security -- programs that, along with Medicaid, now account for about 40 percent of all federal spending.

Medicare, Medicaid and Social Security account for roughly 40 percent of all federal spending and 10 percent of the nation's gross domestic product according to the authors of the report.   The report outlines strategies including increasing the retirement age beyond the currently accepted age of 65 years.   A second strategy called for workers to increase their savings in order to have more resources when they retire.

“We’ve called on both Presidential candidates to address the long term care problem facing aging Americans,” Slome notes.  “We believe tax incentives are a way to get more people to pay attention and to plan.  We praise the authors of this report and Congress for requesting the study but it’s time to take action, talking will not fix this problem.”

The American Association for Long Term Care Insurance was established in 1998 to advocate for the importance of planning for long term care and to support insurance and financial professionals who market solutions. To learn more about long term care insurance costs call the organization’s offices at (818) 597-3227 or visit the Association’s website.

Long Term Care Insurance Difficult To Get After Age 80

According to the U.S. Department of Health and Human Services some 5.5 million Americans were age 85 or older in 2010 with the number expected to grow to 6.6 million in 2020.

“Americans are living long lives but few have prepared for the consequences that come with living into your 80s, 90s and even past age 100,” declares Jesse Slome, executive director of the American Association for Long-Term Care Insurance, the industry trade group.  “When it comes to retirement planning, people get they can’t start preparing and saving for a comfortable retirement at age 60.  But, this is really the first generation to face the reality of living long lives and few have done any preparation for the consequences.”

The nation’s long term care insurance expert notes that after age 80 purchasing long term care insurance can be a daunting, almost impossible task.  “The major insurers have ceased offering coverage to those over age 80 because few people would agree to pay the premiums and even fewer could meet the health qualifications,” Slome explains.  “It is no different than trying to buy home owners insurance after your house has burned down.  You can’t get it.”

Several smaller insurers continue to offer long term care insurance policies to those over age 80.  “You can expect to pay $1,000 or more a month for coverage but considering you may be looking to get over $165,000 in benefits, that’s a considerable value,” Slome explains.  “But even those willing to pay this amount generally can not meet the health qualifications.”

“Long term care insurance is only available to those individuals who can health qualify,” Slome adds.  “This is done so to avoid having those who are in good health subsidizing rates for those who are in poorer health and are the ones most likely to begin claims sooner.”  Slome advises that the ‘sweet spot’ for looking into this protection is between ages 52 and 64.  “Do it before you qualify for Medicare and have access to preventative health screens that may uncover conditions which make it impossible for you to obtain long term care insurance or to pay higher premiums,” Slome concludes.

The organization maintains the nation’s most comprehensive website containing the latest data from Association conducted studies of buyers and claimants with long term care.  To learn more or to connect with one of the Association’s staff for long term care insurance costs, call the organization’s offices at (818) 597-3227 or visit the Association’s website.

UoPeople Scholarships September 2012

UoPeople Scholarships September 2012 is the globe's tuition-free, non-profit, online academic organization devoted to starting entry to college worldwide. Based on the concepts of e-learning and peer-to-peer studying, in addition to open-source technology and Start Educational Resources, UoPeople is designed to provide entry to undergrad level programs for qualified individuals, despite financial, regional or social restrictions.

Deadline : 6 September 2012 (annual)
Scholarship Provider: University Of The People
Scholarship Place: International learners from all over the world.
International Scholarship: Yes
How to Apply: By Mail
Object Study: Applications offered by the university
Course Level: Bachelor’s Degree

Study for:

UoPeople offers Affiliate and Bachelor's Degree Programs in Business Administration and Computer Science.

Scholarship value:

University of the People is a tuition-free  online university offering distance-learning programs. School of the People is a tuition-free, non-profit organization. The School does not cost learners to take sessions, does not cost for any reading and other research materials, as well as does not cost for yearly registration.

However, to be able to remain maintainable, candidates are charged a non-refundable once $10-$50 Program Handling Fee to cover the cost for us to review and procedure software.  In September 2012, when new application popularity will re-open, the School will be presenting an Examination Handling Fee of $100 per end-of-course exam. Applicants who implement starting in September and become learners, are expected to pay this fee.

However, for those those who are unable to do so, UoPeople will have a Micro-Scholarship Website that will enable contributors to play a role directly to individual learners in need of assistance. Additionally, learners may implement for a UoPeople grant.

Eligibility:

UoPeople allows anyone who has finished secondary school, has entry to a pc and the Online and has sufficient British skills to finish the English-only programs. Applicants need to finish the applying requirements and go through software to be able to be approved into the program.

Application instructions:

The entrance procedure is applied in 5 terms yearly.  The School of the People is currently not recognizing new programs until September 2012. Please look on their formal web page around now.  In September, all new candidates can implement.    Applicants should follow a 5-step application.

Official Website: http://www.uopeople.org

Academic Excellence Kent Scholarship 2012

Academic Excellence Kent Scholarship 2012 at London, uk we recognize, encourage and make up quality. We know that you will have performed very challenging to get the experience needed to secured your position at London, uk and we have developed a new scholarship or grant, the London, uk Allow for Academic Excellent, in recognition of this effort.

Deadline : September 2012
Scholarship Provider: Institution of Kent
Scholarship Place: UK
International Scholarship: Yes
How to Apply: By Mail
Object Study: Applications offered by the university
Course Level: Undergraduate

Eligibility:
The scholarship or grant will be offered to any selection who meets the following criteria:

• UK, EU and Overseas full-time basic applicants
• Is arriving into the first period of basic stage analysis at the Institution of Kent’s Canterbury or Medway school from September 2012
• Achieves AAA over three A stages, (irrespective of whether these A stages were overlooked from the accessibility offer), or the relative specified experience below
• Has satisfied their conditions of admittance to the Institution of London, uk.
• This scholarship or grant is begin to all UK, EU and Overseas full-time basic students.
• You can keep a Institution bursary and a scholarship or grant simultaneously.

How to apply:

There is no system to complete. If you have achieved the necessary features, your scholarship or grant will be confirmed to you by e-mail in September 2012.

For More Information Visit: www.kent.ac.uk

New UQDI International PhD September 2012

New UQDI International PhD September 2012 is pleased to offer PhD Scholarship funds in one of the Organization analysis designs guiding on autoimmunity, cancer and genomics. These funds are specially focused at getting top quality globally students who will make use of this probability to execute analysis in a exclusive translational analysis environment.

UQ has been approved to join in the Quotes Government’s new Arranged Charge Managing (SVP) system by the Department of Migrants law and Citizenship. The SVP will benefit globally students by enabling easier qualifications specifications and much faster charge offering times. You must fulfill Immigration’s specifications under the SVP.

Deadline : 23 September 2012.
How to Apply: By Electronically.
Scholarship Value: well known at $23,728 annually for 3 years.
Scholarship Level: Phd.
Scholarship Provider: The School of Queensland.

Research for:

• Autoimmunity
• Cancer Biology
• Epithelial Cancer
• Melanoma

Eligibility:
Applicants should use a bachelor's stage with 1st category awards in technology, or a experts stage with a 25% analysis factor (science relevant fields) or relative.  Candidates must fulfill the PhD entry specifications for the School of Qld and demonstrate excellent prospective and prospective for analysis. Candidates are required to have genuine English terminology skills test results

The main administrator of the PhD selection will be a main participant of the UQDI and the undergraduate must be based at the UQDI, Woolloongabba, Qld, Quotes.

Official Website: http://www.di.uq.edu.au

Long Term Care Insurance Expert Shares Savings Tip

Roughly eight million American adults relocate to a new state and millions more have residences in two states; both situations that could reduce the cost for long term care insurance according to an expert.

“Rates for identical long term care insurance coverage can vary by 10 percent or more depending on where you reside,” explains Jesse Slome, director of the American Association for Long-Term Care Insurance one of the nation’s leading long termcare insurance experts.  Slome was answering a question for a Tennessee resident planning an imminent move to New York.

“A comparison of costs for a plan providing roughly $165,000 of coverage found that he would pay roughly 13 percent less if he waited to apply in New York,” Slome advised.  “We explained he needed to speak with a knowledgeable expert licensed in both states so he could learn of any important considerations.”

According to the Association while most insurance professionals are licensed only in the State where they do business a growing number of long term care insurance professionals who specialize in the product are available in multiple states.  “A growing number of specialists will consult with people over the phone, something which many prefer compared to an in-home appointment with an insurance agent,” Slome adds.

The Association compared rates for three leading insurers offering policies in multiple states.  “The cost for coverage from one company was about $910-per-year for a 55 year old living in New York but $1,035 for identical coverage for someone in Tennessee,” Slome notes.  “Insurance companies today tend to require some proof of residency,” he adds, “for example, they will base coverage on the state issuing your driver’s license.”

To connect with one of the Association’s professional members who are licensed in multiple states and able to provide free no-obligation long term careinsurance comparisons quotes and information on the topic all the organization’s national headquarters at (818) 597-3227 or visit the Association’s website.

Scholarship Fulbright-ANZA US Graduate Oct 2012

Scholarship Fulbright-ANZA US Graduate Oct 2012 student Prize is provided in collaboration with the U. s. declares New Zealand Organization (ANZA), a New York-based non-profit not-for-profit company with a objective “to guide the development of change between New Zealand and the U. s. States through assistance of academic and analysis possibilities between the two countries”. The Fulbright-ANZA US Graduate student Prize has the same specifications and entitlements as primary Fulbright US Graduate student Prizes and follows the same procedure.

Closing date: 17 Oct 2012
Course Level:Postgraduate or research
Scholarship Provider: Fulbright New Zealand and U. s. declares New Zealand Organization (ANZA)
Scholarship can be taken at: New Zealand

Eligibility:

To be qualified, you must:

• keep a bachelor’s stage or comparative by enough time you take up your award, but not yet keep a doctorate degree;
• strategy to perform full-time postgrad research or analysis at a New Zealand organization for a interval of one academic season (February-November); and
• fulfill the citizenship specifications for this award.

Citizenship requirements:
You are qualified to implement for this award if you:

• are a US citizen;
• and are not a lasting citizen or citizen of New Zealand;
• and are not currently residing in New Zealand.

Preference for Fulbright awards is given to applicants who have not had comprehensive latest encounter in New Zealand. (ie. have not analyzed, trained, investigated or proved helpful in New Zealand for a interval aggregating more than nine months/one academic season during previous times five years)

Application procedure and forms:

The program and choice of this award is triggered by the Institution of Worldwide Knowledge (IIE) in the US. Any concerns regarding the program or the position of your program should be instructed to IIE.

• You must finish and publish an on the internet program by the program deadline;
• You must also publish all needed assistance records to IIE by the program deadline;
• IIE will counsel you of the result of your program by May of the season following program.

Official Website: http://www.fulbright.org.nz/awards/usgraduate/usgraduate/www.fulbright.org.nz

2012 Scholarships of Coventry University Ferguson Trust Peacebuilding UK

2012 Scholarships of Coventry University Ferguson Trust Peacebuilding UK, these grants are made available through the kindness of The Allan & Nesta Ferguson Non-profit Believe in. The Believe in was set up in storage of two years of the Ferguson family to market their particular passions in information, international relationship and knowing, and the marketing of world serenity and growth.

The Believe in particularly is designed to back up people from low-income, conflict-affected areas who plan to enhance their information of serenity and getting back together.The on the internet MA in Historic Protection program provides an excellent probability to center and mature professionals in a variety of areas relevant to seafaring security such as delivery, security industry, law, insurance, growth, international interaction and diplomacy.

Research Lesson : Online Peacebuilding and Historic Security
Course Level: Masters
Scholarship Provider: The Allan & Nesta Ferguson Non-profit Trust
Scholarship Event at: UK

Eligibility:

• Applicants are required to keep a 2.2 or greater, or comparative, level from a acknowledged school, ideally in a social technology area. They may keep other Experts levels.
• International learners are required to provide proof of British vocabulary abilities to the stage of IELTS 6.5 or comparative.

Scholarship Worldwide Students: Yes
How to Apply: Electronically
Scholarship Program Deadline: 31 Aug 2012

Official Website: http://wwwm.coventry.ac.uk

Biochemistry at University Southampton in Postdoctoral Research Assistant

Biochemistry at University Southampton in Postdoctoral Research Assistant Staff of Organic and Ecological Sciences offers Postdoctoral Research Associate in Chemical make up at School of Southampton, UK 2012. The increase in microbe level of capacity anti-biotic treatments has led to an growing demand for novel therapeutics. Recognition of new compound objectives for the drug growth direction is a particular concern. 

This project will be centered in a study group with skills in examining compound framework and function such as use of X-ray crystallography and growth of great throughput assays for chemical development. The post, in the Staff of Organic and Ecological Sciences, Chemical make up, will include assessment of selected microbe minerals as potential objectives for healthful growth, using a variety of enzymology and X-ray crystallography. Excellent features for aminoacids framework analysis and for great throughput substance chemistry are available. The successful candidate will join a highly active research team working in related areas.

Study Lesson: Biochemistry 

Scholarship Level:Postdoctoral
Scholarship Provider: School of Southampton
Scholarship Event at: UK

Eligibility:
It is suitable that candidates hold a PhD in substance chemistry, biochemistry or architectural chemistry and a strong background in compound biochemistry and/or aminoacids X-ray crystallography.

Scholarship Worldwide Students: No

How to Apply: Online

Scholarship Deadline: 31 Aug 2012

Official Website: https://www.jobs.soton.ac.uk

Earth Surface Research Fellowship University Southampton August 2012

Earth Surface Research Fellowship University Southampton August 2012 Scholarship to Research Other is needed to help with perform on a NERC financed research Weather and Autogenic Manages on the Morphodynamics of Mega-Rivers: Acting Sediment Flux in the Alluvial Exchange Zone(STELAR-S2S). The publish will be organised in Location and Atmosphere at the School of Southampton, but the perform will also include near cooperation with associates at the Colleges of Exeter and Shell. 

The venture is designed to offer the first complete quantification of the controls on riverine deposit fluxes for one of the globe's biggest estuaries and waterways (the Mekong), resulting in new general knowing of the connections between weather conditions variation, fluvial procedures & deposit flux to deltaic areas & the sea. This will be obtained using a new simulator design to evaluate the consequences of weather conditions and morphological controls on all personal elements (and at sub-annual resolution) of the Mekong’s alluvial deposit transfer funds. The design will be parameterised and verified using specific and focused area information that will be gathered during the venture, and the design will be run to discover traditional styles of within-reach deposit fluxes over a multi-decadal interval.

Study Place: Earth Area Dynamics
Scholarship Level: Research
Scholarship Provider: NERC
Scholarship Country: UK

Eligibility:

• Degree in Ecological, World, Geological, Regional Sciences, or in Liquid Techniques, Gas Technological innovation or cognate topic.
• PhD in Cognate self-discipline (fluvial geomorphology, procedure sedimentology, procedure oceanography, etc).
• Knowledge of stream morphodynamics, preferably on huge stream techniques.
• Experience in use of, and computer for, bathymetric on the internet surveys or three-dimesional factor reasoning information (e.g, LiDar, TLS).
• Experience in the use of designs.
• Ability to create value to help in information analysis using a appropriate terminology (e.g. C++, Matlab, R, Python, etc).
• Experience in analysis of air photography/satelling visuals in GIS techniques (e.g. for recognition of stream planform shift).
• Experience in use of aDCP for circulation velocimetry/suspended deposit flux analysis

Worldwide Students Scholarship: No

How to Apply: Online

Scholarship Deadline: 26 Aug 2012

Official Website: https://www.jobs.soton.ac.uk

Long Term Care Insurance Growth Anticipated As HSAs Gain Acceptance

A new report estimates that Health Savings Accounts (HSAs) have grown to over $14 billion in assets and the number of HSA accounts has increased to nearly 7.1 million.

“It takes a while for any new tax favored benefit to gain acceptance,” says Jesse Slome, executive director of the American Association for Long-Term Care Insurance.  “As more people have balances in their HSAs, we anticipate that more will use the funds to pay for long termcare insurance.”

According to data researched by Devenir an investment firm that specializes in providing investment options for HSAs, the average account balance for the first half of 2012 grew to $1,996 an approximately 10 percent increase over the prior year.  “Few people are aware that long term care insurance premiums may be paid from a Health Savings Account up to the IRS limits set each year,” Slome one of the nation’s leading long term care insurance experts explains.

For 2012 the Internal Revenue Service has established a limit of $350 for an individual age 40 or less and $660 for someone who is more than 40 but not more than 50.  “The average age when individuals start buying long term care insurance is mid 50s according to Slome one of the nation's leading long term care insurance experts.  “At younger ages the costs are lower and using a tax-advantaged HSA account to pay for some or all of the coverage is a tax-smart planning idea,” Slome acknowledged.

The Association notes that in recent years more small and mid-sized businesses have been offering long term care insurance to their employees on a voluntary basis.  “I’ll bet few know they can have employees use their HSAs to pay for this benefit,” Slome notes.  “But over time awareness will grow as will the number of people taking advantage of this protection.”  The growth of long term care insurance sales to small businesses is attributed to special tax incentives now being offered as well as access to discounts and some health underwriting concessions that vary from one insurer to another.

For more information, connect with a member of the American Association for Long-Term Care Insurance.  The organization serves the public by educating Americans about the importance of planning for the risk of needing long term care.  For additional information on long term care insurance costs or to connect with a specialist member of the Association call (818) 597-3227 or visit the organization’s website.

New Scholarship RMS Full Degree Australia

New Scholarship RMS Full Degree Australia Streets and Historic Service (RMS) grants provides the prize owner with financial support for the complete length of the Bachelor's of Technological innovation, Qualification in Technological innovation Exercise course. 

Both internships are finished at the RMS. Five grants will be available in 2013. Programs from the following categories are highly encouraged: Aboriginal and Torres Strait Islanders, women and rural/regional area people.

Scholarship Value: $52,000

Deadline: Friday 22 Nov 2012

Scholarship Duration: over five years

How to Apply: By Electronically

For International Students: No

Scholarship Level: Phd

Scholarship Provider: University of Technology Sydney

Eligibility:

• Candidates to the Bachelor's of Technological innovation, Qualification in Technological innovation Exercise in Municipal Technological innovation. This grants is not available for a mixed degree.
• Australia people or lasting residents
• Full-time enrolment through the course
• Current school leavers
• ATAR of 80 or above

Contact UTS: Engineering on 9514 2666 or engineering@uts.edu.au

Official Website: http://scholarships.eng.uts.edu.au

Achievement Engineering Scholarships International Postgraduate 2012

New Accomplishment Technological innovation Grants Worldwide Postgrad

UTS: Technological innovation and Details Technological innovation provides six scholarships to high accomplishing Worldwide Learners each term, for the following courses:

    Expert of Technological innovation Studies;
    Expert of Technological innovation Management;
    Expert of Ecological Technological innovation Management

Deadline:
Opening date: 18/07/2012
Closing date: 01/08/2012 

Scholarship Value:
UTS: Technological innovation provides six scholarships value $2,000, each term with a finish of 12 per season.

Eligibility: 

• finished their first term in September 2012 as a full-time international pupil (24 credit score points) in any of the above three courses
• obtained a lowest regular of sixty % (70%)
• not obtained a scholarships from UTS:Engineering previously
• not been a provided student

Scholarship Course:
Engineering

How to apply:
The scholarships is granted depending on educational achievement in the first term of the level.
How to apply

Complete the Program Type and publish it by e-mail, no later than Wed 1 Aug to beate.buckenmaier@uts.edu.au.

Deadline:
Opening date: 18/07/2012
Closing date: 01/08/2012

Official Website: http://datasearch2.uts.edu.au

Expert Shares Ways To Lower Long Term Care Insurance Costs

Many people have the mistaken impression that long term care insurance is costly declares one of the nation’s top experts in the field.  They simply are not aware of the simple techniques used by most consumers today to make the cost affordable.

“It’s smart to partially self insure,” explains Jesse Slome, executive director of the American Association for Long Term Care Insurance, the national organization that advocates for long term care.  “Using some your own money to pay for needed care is a way many people plan as a way to save on premiums.”   In this way you have a plan in place that will cover a portion of your care, at a smaller up front cost.

The longterm care insurance expert recommends consumers looking to save adjust the Elimination Period, or the waiting period from the point of claim until the policy begins to pay out benefits.  “Most people have a deductible for their car or health insurance,” Slome says.  “Most people today choose a 90-day deductible according to Slome.

According to Slome, most people are unaware that they will save by being in good health

when they apply for long term care insurance coverage.   Maintaining a healthy weight, having regular doctor visits and a good history and can significantly save on your policy.  “Best of all, once an insurer approves you for the good health discount, you never lose it,” Slome adds.

Be certain to ask the insurance professional what other discounts you may qualify for and be aware that they can vary from one insurer to another.  For example, Slome points out that you no longer need to be married or even live in the same household to receive discounts with family members or domestic partners.   A copy may offer a discount when you apply at the same time with another member of your family even if you live across the country.  Another insurer extends discounts to life partners as well as same sex couples.   “These discounts vary,” Slome acknowledges, “so it really pays to work with a knowledgeable long term care insurance specialist who has access to policies from multiple companies.”

The American Association for Long-Term Care Insurance is headquartered in Westlake Village, part of Los Angeles California, and serves the public by educating Americans about the importance of planning for the risk of needing long term care.

For additional information on long term care insurance costs or to connect with a specialist member of the Association call (818) 597-3227 or visit the organization’s website.

New Scholarship Delhi N&N Chopra Consultants

New  Scholarship Delhi N&N Chopra Consultants of Technological innovation, The School quotes (UTS) is a powerful, sophisticated university located in Australia's international town of Quotes. As a participant of the Australia Technological innovation Program (ATN), an powerful partnership of five unique and popular Australia colleges, UTS is dedicated to developing relationships with market and govt to offer realistic outcomes through targeted analysis.

UTS provides high-quality, career-relevant knowledge through modern programs, fantastic training and state-of the art features. This year UTS was granted five celebrities (the maximum possible rating) in the new QS Stars™ system, which understands excellent in college.

Deadline: 1 Aug, 2012
11:30 AM - 1:30 PM

UTS student advisor Nima Sherpa will be available to offer details and evaluate your program for your recommended UTS course.

Steps to implementing as an worldwide student at UTS:

1. Choose your course preferences
2. Finish program form
3. Connect assisting documentation
4. Application fee
5. Posting program, program fee and assisting documentation
6. Recognition letter
7. Recognizing an offer

Apply to UTS at this occasion and have the A$100 program fee waived.
Location:

Off University , India
N & N Chopra Professionals Pvt Ltd,
10th Ground, 1006 Chiranjiv Structure,
43 Nehru Position,
New Delhi
Contact Email: delhi@thechopras.com

Official Website: http://datasearch2.uts.edu.au

Long Term Care Insurance Video Addresses Essential Consumer Questions

The failure of healthcare reform to address the likely risk of needing costly long term care has driven an increasing number of consumers to seek other alternatives. 

“Obamacare dropped the planned long term care insurance program,” explains Jesse Slome, executive director of the American Association for Long-Term Care Insurance.  “Neither political party seems to have any desire to address the approaching tsunami of aging Americans that are going to need care.”

As a result, the organization has stepped up its consumer awareness and educational efforts.  “First, individuals need to understand the issue they face and the real choices they have,” Slome explains.  “We educated a generation that dependence on company pension plans was no longer a viable option and that saving for retirement through a 401k or IRA plan was smart and necessary.  Now we need to do the same for long term care.”

The Association director acknowledges that they are many misconceptions regarding long term health care insurance.    “Most people don’t even know when to start planning or how to begin the process of thinking about their options.   To assist consumers the organization has just posted several new educational videos.  The newest video just added to the organization’s online library is called Long Term Care Insurance 101 addresses why individuals should be interested.  “We want people to understand the important basics before they begin even considering next steps,” Slome says.

Members of the national association are offering free education and no-obligation long term care insurance costs for policies from leading insurance companies.  “We have members in all 50 states committed to helping individuals,” Slome explains.  “If someone between the ages of 50 and 65 is interested, they will take the time needed to explain how this insurance works and, if there is interest, to prepare free cost quotes.”

For additional information or to hear from a member of the Association call the organization’s national headquarters in Los Angeles at (818) 597-3227 or visit their website www.aaltci.org where consumers can also access a variety of free online consumer information guides.

Postgraduate Scholarships 2012 on MMU 13 Agustus 2012

Postgraduate Scholarships 2012 on MMU 13 Agustus 2012 to be the first choice for business and management education in Greater Manchester, and a major provider of applied research and support to organisations in the city region. Our aim is to be regional in focus and international in outlook. 

To enjoy our shift across Birmingham to a new £75million training and analysis head office we are pleased to declare financing for 12 MSc scholarships for 2012 access. There will be six full-time scholarships, each value £1,000, and six part-time scholarships, each value £500. Managers, mature experts, graduate learners, last season undergrad learners, and associates and experts of the soldiers are motivated to implement for these famous prizes.

Deadline:
Part-time scholarships: Thursday 13 Aug 2012.

Scholarship type: International scholarship

How to Apply
To implement for a scholarships, you must:

• Get a position on an qualified MSc course (see requirements below) at Birmingham Urban School Company Institution and obtain an provide of a position.
• Create a brief, individual declaration (800 words) describing how you would give rise to, and advantage from, your preferred MSc course in the Company Institution. Your complete name, mail and contact information and the name of your MSc course must be clearly mentioned on the first web page.
• E-mail your individual declaration to d.sheratte@mmu.ac.uk  Please name your email: MSc Grant Application

Eligibility:

• The scholarships are available to applicants of any nationality from the UK, EU and offshore.
• The full-time scholarships are available to self-funded applicants only.
• The part-time scholarships are available to self-funded or partly self-funded applicants. For example, if your company is offering partially financing or support for your analysis, you may still implement for a part-time scholarships.
• Postgraduate Scholarships 2012 on MMU 13 Agustus 2012 may not be added to other School bursaries or scholarships, such as the family or Vice Chancellor’s scholarships. You must plan to study on a full-time or part-time MSc course at Birmingham Urban School Company Institution from Sept 2012.
• Postgraduate programs in the Company Institution that are not qualified for this program are: MBA (separate financing is available for this programme); MRes; ACCA or CIMA expert accountancy practise exams; Document in Professional Studies – Management and Authority.
• The scholarships are not available to applicants who implement for access with innovative status.

Official website: www.business.mmu.ac.uk

Saxion Top Skills Scholarships (STTS) 2012

Saxion Top Skills Scholarships (STTS) for skilled learners a partially grant is available that will give a significant decrease on the educational costs. Saxion School of Used Sciences offer their own bachelor's grants for skilled (non-European) learners.

Deadlines:
For enrolment in February 2012: 1 December 2011, For enrolment in September 2012: 1 May 2012.

Scholarship type: for talented (non-European) students.

Eligibility:

• You must have excellent study results, with a typical level of 75% or greater,
• You must have an IELTS ranking of 6.5 or greater,
• You must be in or starting the entrance process to one of Saxion’s Worldwide Bachelor Programs as a new pupil in the bachelor's program,
• You must be a pupil with a nationality from outside the EU/EEA,
• Scholarships are only granted for programmes of at least 6-month period,
• Scholarships are granted for one educational season.

How to apply:
To apply for the Top Skills Scholarships you have to complete the approval, you can obtain this type here:

Pdf document 92 kb

Scholarship intruction:
Saxion Skills Scholarships are never paid in cash or relocated to a banking account. The grants are always taken off from the program fee. Allowance of grants is only possible after formal enrolment or re-enrolment in each educational season.

Official website: http://www.saxion.edu

Long Term Care Insurance Association Adds To Consumer Video Library

One of the most frequent questions pertaining to long term care insurance is the best age to apply.  To address that question, the American Association for Long-Term Care Insurance has added new videos to the organization’s Consumer Learning Center.

“We receive hundreds of inquiries each month from individuals confused about when to apply for this protection,” explains Jesse Slome, executive director of the Association.  “They hear wait until after retirement or start when you are 40.  It’s no wonder that people are confused and miss a most important fact about when to start the process.”

The Association created two new videos to help address important questions often raised by callers and those visiting the Association’s website.  “We just don’t have enough time to spend with each person answering their questions, so we attempt to address them all with short educational videos that are accessed via the Association’s website,” Slome notes.  According to Association data, the organization’s website gets as many as 45,000 visitors monthly seeking information.

The first of the two just-added videos focuses on the best age to apply for coverage with statistics from the organization’s 2012 Long Term care Insurance Sourcebook. 

A second consumer video focuses on tips and techniques consumers can utilize to obtain the best long term care insurance coverage for the most affordable premium.  “You only buy this protection once so you had better do it correctly,” Slome adds.  “Our mission is focused on bringing real, current and relevant information to consumers.  An educated consumer is a long term care insurance professional’s best prospect.”

The two videos can be viewed online.  The following are the links to the programs.

Best Age To Buy Long Term Care Insurance

Get The Best Cost For Insurance For Long Term Care

London New International Scholarship Master’s Degree

London New International Scholarship Master’s Degree is provides merit-based postgrad funds to fantastic globally learners who wants to practice a Master’s Stage at the Organization.

Scholarship leverl: Master’s Degree
Deadline: 31 Oct/31 May
Study place: London, UK
Start in: Feb 2013
Scholarship provider: London City Organization, Combined Kingdom

Eligibility:

• Students who keep an unconditional offer for one of our postgrad level applications and who pay globally expenses expenses may use for a funds.
• You can't use for a funds unless you have used for a course and been given an unconditional offer to analysis at London, uk, uk Met
• (current ongoing learners are the only exception to this guideline to this rule).
• The funds system provides complete and partly expenses economical assistance  for learners on qualified Professionals level applications.
• Applicants are evaluated on academic benefits and on the likely economic/social advantage to their house nation of them doing a Professionals level in the UK.
• (This must be clearly verified in the individual announcement that the above specifications are met).
• Evidence of compensated and/or non-reflex perform done should also be engaged in the funds system, where appropriate.

How to apply:

1. Choose a course from the course person on the home-page, or select undergraduate/postgraduate from the an eye above and then choose a course
2. Perspective the course details, and then click on Use online
3. Sign-up with London, uk, uk Met and use for your course.

Ofiicial website: http://www.londonmet.ac.uk

USA Fulbright International Scholarships 2013-2014

USA Fulbright International Scholarships 2013-2014 are scholarships in USA for all-embracing acceptance who wants to accompany a Master’s or PhD degree. The scholarships can aswell be awarded for non-degree postgraduate studies. 

It is administered by bi-national Fulbright Commissions/Foundations or U.S. Embassies. All Foreign Student Affairs applications are candy by these offices. 

Scholarship level: Masters/PhD Degrees 

Deadline: varies, Feb-Dec 2012

Study place: USA Course starts AY 2013-2014

Scholarship provider: 

The scholarships are for abstraction in USA Universities and Academic Institutions 

Scholarship target:

These scholarships for abstraction in USA are for all-embracing acceptance from Africa, East Asia and Pacific, Europe and Eurasia, Middle East and North Africa, The Americas, and South and Central Asia. 

Eligibility:

Program accommodation and alternative procedures alter broadly by country. Please see the country specific websites to acquisition advice about the Fulbright Affairs in your home country, including accommodation requirements and appliance guidelines. 

Subject matter:

• Fulbright grants are accessible for a array of disciplines and fields, including the assuming and beheld arts, the accustomed sciences, mathematics, engineering and technology. Fulbright encourages applications from all fields, including interdisciplinary ones.
• The Fulbright Affairs will not armamentarium applicants gluttonous to accept in a medical amount affairs nor does it action grants to those who ambition to conduct analytic medical analysis or training involving accommodating affliction and/or acquaintance but it supports the fields of accessible bloom and all-around health.
• See the country-specific websites (link begin in acquaintance information) for adapted advice on accustomed acreage of studies.

How to Apply: Online

Official website: http://foreign.fulbrightonline.org