| QUOTES from
the
Masters... |
| On Courage |
On Personal Responsibility |
"To
dream anything that you want to dream. That is the beauty of the
human mind. To do anything that you want to do. That is the
strength of the human will. To trust yourself to test your
limits. That is the courage to succeed." -– Bernard Edmonds
"To keep our faces toward change, and behave like free spirits in the presence of fate, is strength undefeatable." -- Helen Keller
"Courage is going from failure to failure without losing enthusiasm." -- Winston Churchill
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"Accepting
responsibility is the fulcrum point for succeeding at anything." -- Jeffrey
Gitomer
"You
say, 'The country is messed up.' That's like cursing the soil and
the seed and the sunshine and the rain, which is all you've got.
Don't curse all you've got. When you get your own planet, you can
rearrange this whole deal. This one you've got to take like it comes."
-- Jim Rohn
"No
one can cheat you out of ultimate success but yourselves." --
Ralph Waldo Emerson
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The Long-Term Care Insurance Solution |
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Long-term
care insurance purchased today can help provide you with the financial security
you need and deserve in your retirement years.
By acting today, you will have protection to help pay for whatever
long-term care needs a long life brings!
Long-term
care refers to help with daily activities needed by people with disabilities or
chronic, longer-lasting illnesses, such as help with eating, bathing and
dressing. Long-term care also includes
assistance for those suffering from cognitive impairments, such as Alzheimer’s
disease and dementia. Other types of
insurance, such as health insurance and disability insurance, do not typically
pay for these services. Long-term care
can be provided in a variety of settings, such as your home, an assisted living
community or in a nursing home.
A
typical long-term care insurance policy helps cover the cost of long-term care
services, including:
- Assistance in your home with
daily activities, such as bathing, dressing, meals and housekeeping services.
- Visiting nurses and/or home
health aides who come to your home.
- Services available in your
community, such as adult day care.
- The cost of an assisted living
community.
- Nursing home care.
While
the good news is that people are living longer, the bad news is that increased
life expectancy also increases the odds of needing long-term care services,
which can be expensive. Without
long-term care insurance to help meet the cost of needed long-term care
services, you run the risk of depleting a lifetime of savings. With long-term care insurance, you’re in a
better financial position to make the choice of what long-term care services
you receive and where you receive them.
PLUS, qualified long-term care
insurance receives favorable income tax treatment...the
benefits from qualified long-term care insurance, for the most part, are not
taxable income to the recipient, up to a per diem limit ($300 for 2011).
Eligible premiums paid for
qualified long-term care insurance can be applied toward meeting the 7.5%
“floor” for medical expense deductions on your federal income tax return. The amount of eligible long-term care
premium that can be applied to the 7.5% floor depends on your age:
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If you are this age by the
end of the year:
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This is the maximum eligible
long-term premium for tax deduction purposes in 2011*:
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40 or less
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$ 340
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41 - 50
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$ 640
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51 - 60
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$1,270
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61 - 70
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$3,390
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More than 70
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$4,240
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* The maximum eligible long-term care premium is
adjusted each year for inflation.
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Please contact my office if you’re interested in
discussing long-term care insurance.
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| MESSAGES
from
the Masters... |
EARNING YOUR STRIPES by Dr. Sheila Murray Bethel
You can't claim leadership. You earn it. No matter where your
commitment takes you, or what your leadership accomplishes, it is
exciting to know that you are always in the process of earning your
leadership stripes by:
- Treating people as if today is the only day you have to help them reach their full potential.
- Teaching the benefits of setting a good example to the lowest level people in your organization.
- Knowing that if you take very good care of today, tomorrow will take care of itself.
- Accepting full responsibility and accountability for your thoughts and actions.
- Taking
time each day to be alone, to communicate with your God, to think about
your mission in life, and how you are going to make a difference.
When you have the courage to be a leader continually committed to earning your stripes, your potential is endless.
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my office at the phone number above. Published by The Virtual Assistant; © 2011 VSA, LP
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