Scholarship 2012 Panasonic

Panasonic Scholarship provides able acceptance from these countries a acceptable befalling to do analysis in universities in Japan and accredit them to accord to the development of their countries and to advance accord amid these countries and Japan in the 21st Century.

In 2011, Panasonic Scholarship Co. Ltd., Panasonic Corporation, in cooperation with Panasonic Group of Companies in Indonesia are actual aflame to action the Panasonic Scholarship for Year 2012. We are blessed to advertise that, the Panasonic Scholarship Affairs is now accessible to the alum acceptance from Natural Science & Mathematics, Engineering, Bio-Technology [Agricultural], and Information Technology.

For a abreast alum acceptance from Indonesia who activated the affairs in Indonesia and called as nominated, Panasonic Scholarship shall accommodate accolade absolutely up to 8 Million Yen per-person for 3 years Master advance at a University in Japan.

About Panasonic Scholarship

In celebration of its 80th ceremony in 1998, Panasonic Corporation absitively to barrage Panasonic Scholarship Affairs to allure alum acceptance from Asian countries including Indonesia to accompany a master’s advance in Japan. This scholarship provides able acceptance from these countries a acceptable befalling to do analysis in universities in Japan and accredit them to accord to the development of their countries and to advance accord amid these countries and Japan in the 21st Century.

Panasonic Scholarship will be provided for three years alpha from April which covers: Year One — Enrollment as analysis acceptance in universities in Japan and Japanese-language training in Japanese-language institutes Year Two & Three — Register and complete master’s advance in Japan. The absolute aeon shall not beat three years in any circumstances. The scholarship will be concluded if a scholarship almsman fails to accretion acceptance to a university in Japan aural one year afterwards accession in Japan.

What capacity of Panasonic Scholarship?

This scholarship provides allotment abettor for called candidates.

Year One, Analysis Student

Basic Scholarship/ Monthly Allowance : ¥150,000 per month.

Arrival Allowance : ¥200,000 will be paid to acknowledged applicants in March.

Tuition Fee Assistance : Tuition Assistance Actual Amount (a best of ¥200,000 to be paid anniversary bisected year).

Year Two & Three, Master Advance in Alum School

Basic Scholarship/ Monthly Allowance : ¥180,000 per ages .

Entrance Fee Assistance Actual Amount (a best of ¥250,000 to be paid).

Tuition Fee Assistance : Tuition Assistance Actual Amount (a best of ¥250,000 to be paid per anniversary bisected year)

Visit the official website, Panasonic Scholarship:
Homepage: http://panasonicscholarship.com/
e-Application Panasonic Scholarship:
  http://www.panasonicscholarship.com/content/view/23/23/

4 Means to Win A Scholarship

(MoneyWatch) Acceptable a academy scholarship can badly compress the amount of college, but how do acceptance access their affairs of snagging one?

Here are four means to addition your affairs of acceptable a academy scholarship:

1. Focus on academy scholarships

Most parents and teenagers accept that clandestine scholarships are the better antecedent of chargeless academy cash. Not true. The colleges themselves duke out the better abounding of cash. Aback 2004, arete scholarships that colleges action to acceptance has soared by 50%.

Use MeritAid.com to acquisition arete scholarships at alone colleges and universities. Aswell blow about on academy websites, area you will generally see the requirements for arete scholarships.

2. Investigate aptitude scholarships

Colleges will about put applicants in the active for their own scholarships automatically. Abounding schools, however, aswell action aptitude scholarships that crave a appropriate application. These scholarships are generally accustomed to acceptance who accept appropriate abilities in such areas as art, music, volunteering, environmentalism, science, administration and writing. You can generally acquisition advice on these scholarships on a college's website or acquaintance the acceptance office.

3. Apply for bounded scholarships

Keep in apperception that clandestine scholarships are about consistently traveling to be abate than the scholarships that colleges sponsor. The boilerplate clandestine academy scholarship is account about $2,500 and it's a one-shot award.

The antagonism to win a clandestine academy scholarship will be barbarous for acceptance who set their architect on the advantageous civic scholarship competitions. Teenagers should analysis with their top academy advice administration for bounded and bounded scholarship opportunities aback they will be easier to win. Your bounded library should be addition source.

4. Don't chase the crowd

Lesley Wainwright, who won the coveted Coca-Cola Scholar scholarship abounding years ago had to acknowledgment this question: If you could go aback in history, what one affair would you change. In an account with US News, Wainwright said that she ample humans would allocution about abandoning bullwork or extenuative Martin Luther King Jr. or John F. Kennedy. She volunteered that she'd stop the afire of the library in age-old Alexandria. Bottom line: anticipate alfresco the box if you are commutual scholarship applications.

Long Term Care Insurance State Tax Deduction Guide Published

Long term care insurance premiums may be fully tax deductible for individuals and a growing number of states now offer deductions and even tax credits to those purchasing this important coverage.

According to the American Association for Long Term Care Insurance, the national trade organization, tax deductibility gives individuals and business owners one very important reason to consider ways to address future long term care needs.

“Americans are living well into their 80s, 90s and even longer when the likelihood of needing extremely costly long term care services is almost a guarantee,” declares Jesse Slome, executive director of the American Association for Long-Term Care Insurance, the national trade group charged with creating awareness for long term care related issues.  “The  federal and state governments recognizes this and offers the tax incentives to encourage more people to plan.”

Individuals may be able to deduct long term care insurance premiums paid from their 2011 federal income taxes.  The federal levels are based on your age, Slome notes, ranging from $340 to $4,240 per-person and increase for new policies purchased in 2012.    Individuals face certain limitations that are not imposed on self-employed or corporations.  “These entities may able to make the full cost tax deductible,” Slome adds.

In addition to federal tax deductibility limits, a growing number of states now offer either tax deductions or tax credits to encourage state residents to purchase long-term care insurance.

The American Association for Long-Term Care Insurance has just published a state-by-state listing of available tax deductions on the organization’s website at www.aaltci.org/tax.

To learn more about long-term care planning and get long-term care insurance costs from a designated expert visit the American Association for Long Term Care Insurance Information Center.

Long Term Care Insurance Association Opens 2012 Sales Achievement Awards

The Long Term Care Insurance Sales Achievement Awards is now open for entries effective  January 1, 2012. 

The yearly award based on 2011 sales is organized by the American Association for Long-Term Care Insurance (AALTCI), the national trade organization.  The 2011 award ranked producers from all states broken down into categories including individual LTC insurance, multilife long term care as well as sales of asset-based annuity and life insurance products offering long term care benefits.

The awards are designed to recognize and celebrate outstanding achievements by long term care insurance producers working to educate and help protect Americans.  “From those producers just starting out to the many seasoned specialists, there’s no more passionate and hard-working group of professionals than those selling long-term care insurance protection,” explains Jesse Slome, AALTCI’s executive director.

A special “Rookie of the Year” category now recognizes those producers who first started selling in 2011.   A key component of the awards program is the State-by-State ranking.  “This gives 50 agents the opportunity to show that they are number 1 in their particular state,” Slome explains.  “That’s certainly a powerful marketing tool and these leaders are often called on to teach others and share their knowledge.”

Online applications are available at www.aaltci.org/awards.  The closing date for free entries is February 29.

Established in 1998, the American Association for Long-Term Care Insurance is the national trade organization that supports insurance professionals as well as conducts awareness programs to educate American adults about the importance of long-term care planning.  

New Robots Aid In Caring For Japanese Seniors

A new robot has brought Japan one step closer to its goal of providing high-quality care for its growing elderly population.

The robot uses high-precision tactile sensors and flexible motor control technology to lift patients weighing up to 80kg (180 pounds) off floor-level bedding and into a wheelchair. The developers note this is intended to free care facility personnel of one of their most difficult and energy-consuming tasks.

Japan's elderly population in need of nursing care is projected to reach a staggering 5.69 million by 2015 experts explain. "Japan faces an urgent need for new approaches to assist care-giving personnel," states Jesse Slome, executive director of the American Association for Long-Term Care Insurance http://www.aaltci.org. "The United States will soon be facing the very same issues."

Care experts noted that one of the most strenuous tasks for such personnel, carried out an average of 40 times every day, is that of lifting a patient from a futon at floor level into a wheelchair. Robots are well-suited to this task, yet none have yet been deployed in care-giving facilities.

In 2009, the RIKEN-TRI Collaboration Center for Human-Interactive Robot Research (RTC), a joint project established in 2007 and located at the Nagoya Science Park in central Japan, unveiled a robot called RIBA (Robot for Interactive Body Assistance) designed to assist in this task. The first robot capable of lifting a patient from a bed to a wheelchair and back, RIBA charted a new course in the development of care-giving robots, yet functional limitations prevented its direct commercialization.

In the future, Japanese researchers plan to work together with partner nursing care facilities to test RIBA-II and further tailor it to the needs of care-givers and their patients. They explain their intent to also develop new applications in areas such as rehabilitation.

Robots will one day enable individuals to remain in their own home rather than being forced into skilled nursing facilities, Slome predicts. "This should be a most welcome development for millions of Americans though they can expected to be costly," he notes "People will either need to have the savings or insurance to cover the cost." Current forms of long-term care insurance that provide cash payments would cover the rental or purchase of robots.

The Association urges consumers to learn more about long-term care planning and get long-term care insurance cost from a designated expert via the organization's Consumer Information Center at http://www.aaltci.org/long-term-care-insurance/free-quote/. "The best ages to start planning are between ages 52 and 62 when costs are lowest and you don't risk being declined because of existing health conditions," Slome explains.

Smoking And Weight Tied To Future Brain Shrinkage, Increased Long Term Care Insurance Need

Smoking, having high blood pressure or diabetes and being overweight during your middle years may cause brain shrinkage and lead to cognitive problems up to a decade later.

According to a new study published in Neurology, the medical journal of the American Academy of Neurology these factors appear to cause the brain to lose volume. Some 38.7 million Americans age 65 and older reported having one or more cognitive disorders according to the 2011 Long-Term Care Insurance Almanac published by the American Association for long-Term Care Insurance.

Health conditions increased the development of lesions secondary to presumed vascular injury, and also appeared to affect its ability to plan and make decisions as quickly as 10 years later. The findings provide evidence that identifying these risk factors early in people of middle age could be useful in screening people for at-risk dementia and encouraging people to make changes to their lifestyle before it's too late.

The study involved over 1,300 people without dementia with an average age of 54. Participants had body mass and waist circumference measures taken and were given blood pressure, cholesterol and diabetes tests. They also underwent brain MRI scans over the span of a decade, the first starting about seven years after the initial risk factor exam. Participants with stroke and dementia at baseline were excluded, and between the first and last MRI exams, 19 people had a stroke and two developed dementia.

Researchers found that people with high blood pressure developed small areas of vascular brain damage, at a faster rate than those with normal blood pressure readings. They also had a more rapid worsening of scores on tests of executive function, or planning and decision making, corresponding to five and eight years of chronological aging respectively.

People with diabetes in middle age lost brain volume in the hippocampus at a faster rate than those without diabetes. Smokers lost brain volume overall at a faster rate than nonsmokers and were also more likely to have a rapid increase in white matter hyperintensities.

"Unhealthy habits come back to haunt millions at older ages," explains Jesse Slome, executive director of the long term care insurance association. "It creates an increased risk of needing long term care in your 80s and 90s a reason why planning prior to retirement is a must especially for those still in good health."

Federal Long Term Care Insurance Plan Closer To Repeal

The deficit-reduction proposal released Tuesday by the reconvened Gang of Six would repeal the Community Living Assistance Services and Supports Act (known as the CLASS Act).

Created as part of health reform legislation passed last year by Congress political experts refer to the CLASS Act as one of the late Sen. Ted Kennedy’s most cherished programs. It is also a favorite target of Republicans.

"America is facing a future long-term care crisis as the aging population balloons," explains Jesse Slome, executive director of the American Association for Long-Term Care Insurance, the insurance industry's national trade group. "CLASS has been highly controversial because on one hand it is at least some effort to address the problem though many see it as a very costly future new taxpayer-borne entitlement program."

The President-appointed fiscal commission led by former Senators Alan Simpson and Erskine Bowles singled the CLASS Act out as an “unsustainable” entitlement that would most likely saddle taxpayers with a major new liability, a finding that deficit hawks have latched on to in their attacks.

"Despite the fatal flaws of the CLASS Act, the Obama administration continues to push ahead in implementing this unsustainable entitlement program,” Sen. John Thune (R-S.D.) said in a statement last week. He added that the Department of Health and Human Services is ignoring “all of the red flags raised by the massive new entitlement program that is being created.”

CLASS establishes a voluntary long-term disability insurance program that would pay disabled enrollees a cash benefit for assistance with basic daily living activities such as dressing, bathing and eating. The insurance would be offered through the workplace, where employers who agree to participate would sign up their employees automatically — but also give them a chance to decline the coverage. If they keep the coverage, they’d be able to use the benefits after they’ve paid the premiums for five years.

CLASS Act critics including many leading industry actuaries with decades of experience in pricing and marketing long-term care insurance products argue that the voluntary CLASS program is vulnerable to adverse risk selection. "Critics expect that primarily health-challenged people will sign up for CLASS, those with expensive health problems which means CLASS would not be sustained by premiums alone," Slome explains. "Or, if they artifically price it too low in order to attract more healthy individuals, you face a serious shortfall when they ultimately go on claim."

Some of these problems were intended to be worked out before the Affordable Care Act was passed, but because of its unusual route to becoming law, that never happened experts acknowledge. "The nation definitely needs to discuss how to handle providing care for aging Americans," Slome concludes. "Kicking the can down the road isn't going to keep people from growing older and needing costly long-term care."

To learn more about the CLASS Act visit the American Association for Long-Term Care Insurance website at http://www.aaltci.org/class.