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FIDELITY EUROPEAN VALUES PLC Preliminary Announcement of Audited Results For the year ended 31 December 2012 Chairman's Statement I have pleasure in presenting the Annual Report of Fidelity European Values PLC for the year ended 31 December 2012. PERFORMANCE European equities advanced in 2012 following a volatile 2011. After a difficult second quarter, in which anxieties were once again heightened by concerns over the sovereign debt crisis, markets turned a corner in July when European Central Bank ("ECB") President Mario Draghi stated that the ECB would do "whatever it takes" to save the Eurozone. Sentiment improved further after the ECB announced that it had agreed to an unlimited bond purchase programme to lower borrowing costs for some indebted Eurozone nations. Towards the end of the year, risk appetite increased on optimism that US lawmakers would reach an agreement on budget talks to avert the so-called fiscal cliff. Against this backdrop, I am pleased to report that the net asset value ("NAV") per share of the Company returned 24.7% and outperformed its Benchmark, the FTSE World Europe (ex UK) Index, which returned 17.8%. Stock selection was the prime driver of performance. In particular, holdings in the financials, industrials and healthcare sectors performed well. However, there were some stock specific disappointments, especially in the energy sector, which held back returns. Overall, the focus remains on companies with solid balance sheets and growing dividends. Gearing which was held in a range of 5% - 15% during the year, also aided performance. A detailed review of the performance of the portfolio is provided in the Manager's Review in the Annual Report. (All figures are in sterling and are on a total return basis). PERFORMANCE OVER ONE YEAR, FIVE YEARS AND SINCE LAUNCH TO 31 DECEMBER 2012 (ON A TOTAL RETURN BASIS) (%) NAV Share FTSE price World Europe (ex UK) Index1 One year +24.7 +31.3 +17.8 Five years +8.6 +6.6 -5.1 Since launch (1991) +1,608.6 +1,453.8 +474.3 1 Data prior to the year ended 31 December 2011 is on a net of tax basis Sources: Fidelity and Datastream as at 31 December 2012 Past performance is not a guide to future returns DISCOUNT MANAGEMENT The Board continues to adopt an active discount management policy and share buybacks have been made during the year. Whilst the primary purpose of our policy is to reduce share price volatility in relation to net asset value, buying in shares at a discount also results in an enhancement to NAV per share. Your Board has sanctioned share buybacks over the course of 2012 amounting to 2.7% of the issued share capital of the Company, a much lower figure than the 11.6% repurchased in 2011. The great majority of the repurchases took place in the first half of the year whilst markets were weak. Further details may be found in the Directors' Report in the Annual Report. I am pleased to report that the lower level of share price volatility relative to the NAV apparent in the second half of 2011 has continued into 2012. Furthermore, the level of discount has narrowed from 14.2% at the start of the year to 9.9% at the year end. This has given rise to a share price total return of 31.3% for 2012, ahead of the NAV total return of 24.7%. Improved sentiment towards continental European equity markets has undoubtedly been a factor behind the narrowing of the discount. Re-establishing our historically good performance record against the Benchmark Index, under Sam Morse's management, has likewise been important. DIVIDENDS The Board intends to continue with its practice of paying out earnings in full. The objective is one of long term capital growth and we will not seek to influence the Manager to determine the level of income of your Company's portfolio in any particular year. The Board has decided to recommend a final dividend of 27.75 pence per share for the year ended 31 December 2012 (2011: 26.50 pence). This dividend will be payable on 24 May 2013 to shareholders on the register at close of business on 15 March 2013 (ex-dividend date 13 March 2013). The proposed dividend increase for 2012 over 2011 is therefore 4.7%. Whilst we emphasise that the increase is a function of stock selection and cannot be extrapolated into the future, our Portfolio Manager, Sam Morse, continues to focus on companies which are able to grow their dividends as being one of the underlying factors in his stock selection. A further explanation of the investment process can be found in the Annual Report. GEARING The Company gears through the use of long Contracts For Difference ("CFDs"). As at 31 December 2012, the level of gearing was 11.1% and the Board has been working within a range of 5% - 15%. Gearing made a positive contribution to performance during the year, as can be seen from the attribution analysis in the Annual Report. It is pleasing to note that the move to using CFDs as a means of gearing the portfolio, introduced in 2011 in place of traditional bank loans, has been positive. Operationally it has worked smoothly and it has been significantly cheaper for the Company, with finance costs reducing from £2,617,000 in 2011 to just £326,000 in 2012; and this in spite of gearing levels actually on average being higher in 2012. PERFORMANCE FEES Investment performance was strong during the year and a performance fee is payable, all cumulative past underperformance against the Benchmark Index having been made good. The base fee paid and payable to the Manager is charged fully against revenue. The performance fee is charged against capital. Further details are included in the Directors' Report in the Annual Report. DIRECTORATE Simon Duckworth will step down from the Board at the conclusion of the business of the Annual General Meeting on 16 May 2013. Simon has served on the Board for just over 10 years and on behalf of the Board I would like to take this opportunity to thank him for his invaluable contribution to the Company. We wish him well in his future endeavours. In preparation for this, I am delighted to confirm that Marion Sears was appointed a non-executive Director of the Company on 17 January 2013 following a search using an external agency. Marion has extensive commercial and investment experience and is currently the Senior Independent non-executive Director of Dunelm Group plc, and a non-executive Director of Octopus AIM VCT plc and Persimmon plc. Further details are included in her biography in the Annual Report. In accordance with the UK Corporate Governance Code for Directors of FTSE 350 companies the entire Board is subject to annual election and re-election. The Directors' biographies can be found in the Annual Report. The Directors have a wide range of appropriate skills and experience to make up a balanced board for your Company. With the exception of Simon Fraser, in the opinion of the Board, all other Directors are independent. Simon Fraser, due to his previous employment relationship with the Manager and his directorship of another investment trust managed by Fidelity, namely Fidelity Japanese Values PLC, is deemed non-independent by the UK Corporate Governance Code. The Board is convinced that Simon Fraser's experience serves the Company well; and the Directors support unanimously his continued position as a Director of the Company. In line with good corporate governance, the Board had an independent, externally facilitated assessment of its performance during 2012. The evaluation reported that the performance and contribution of the Board was effective and all Directors were committed to their roles. There were no areas of concern reported. The Board has considered the proposals for the election and re-election of all of the Directors and recommends to shareholders that they vote in favour of the proposals. CONTINUATION VOTE In accordance with the Articles of Association of the Company, an ordinary resolution that the Company continue as an investment trust for a further two years was passed at the 2011 Annual General Meeting. A further continuation vote will take place at this year's Annual General Meeting. The Company's performance record has been excellent since launch with a NAV increase of 1,608.6% compared to an increase in the Benchmark Index of 474.3% (on a total return basis). During the past 12 months the Company's NAV has outperformed the Index by 6.9% on a total return basis and is also ahead of the Index over 3, 5 and 10 years. Therefore your Board recommends that shareholders vote in favour of the continuation vote. A further continuation vote will take place at the Annual General Meeting in 2015. ANNUAL GENERAL MEETING The Annual General Meeting of the Company will be held at Fidelity's offices at 25 Cannon Street, London EC4M 5TA (St Paul's or Mansion House tube stations) on Thursday 16 May 2013 at midday. Full details of the meeting are given in the Annual Report and I look forward to talking with as many shareholders as possible on this occasion. CONCLUSION Investors who stayed the course in continental European equities have been rewarded with an excellent year. Indeed, Europe was one of the strongest areas for equity investment in 2012. There are a large number of high quality companies quoted on continental European bourses, many also with extensive businesses in Asia and around the world. Value will `out'; such stocks had become overly depressed by the waves of poor sentiment surrounding the political situation in Europe, low economic growth and budget deficits which have to be financed, high unemployment especially in Southern Europe and of course the Euro. Whilst equities have regained poise, the outlook for earnings and dividend growth is generally muted and one cannot pretend that the underlying political and economic situation in Europe has improved dramatically. It does seem likely that at some point in 2013 some of the worries will once again come to the fore; and it follows that we may well see setbacks and volatility ahead. Our response is to continue to focus on finding and investing in strong companies which offer fundamental value and the prospect of making decent returns from current valuation levels. We are fortunate to have a wide choice of investment opportunities across the region. Humphrey van der Klugt Chairman 26 February 2013 Enquiries: Susan Platts-Martin - Head of Investment Trusts, FIL Investments International - 01737 836916 Keren Holland - Corporate Communications, FIL Investments International - 0207 074 5262 Christopher Pirnie - Head of UK Company Secretariat, FIL Investment International - 01737 837929 Income Statement for the year ended 31 December 2012 2012 2011 revenue capital total revenue capital total £'000 £'000 £'000 £'000 £'000 £'000 Gains/(losses) on - 93,403 93,403 - (94,320) (94,320) investments designated at fair value through profit or loss Gains on derivative - 19,630 19,630 - 3,201 3,201 instruments held at fair value through profit or loss Income* 18,518 - 18,518 22,831 - 22,831 Investment (4,929) (2,243) (7,172) (5,127) - (5,127) management and performance fees Other expenses (629) - (629) (710) - (710) Exchange losses on (76) (153) (229) (73) (2,639) (2,712) other net assets Exchange gains on - - - - 1,394 1,394 loans ---------- ---------- ---------- ---------- ---------- -- -------- Net return/(loss) 12,884 110,637 123,521 16,921 (92,364) (75,443) before finance costs and taxation Finance costs (326) - (326) (2,617) - (2,617) ---------- ---------- ---------- ---------- ---------- -- -------- Net return/(loss) on 12,558 110,637 123,195 14,304 (92,364) (78,060) ordinary activities before taxation Taxation on return/ (503) - (503) (1,511) 50 (1,461) (loss) on ordinary activities** ---------- ---------- ---------- ---------- ---------- -- -------- Net return/(loss) on 12,055 110,637 122,692 12,793 (92,314) (79,521) ordinary activities after taxation for the year ========== ========== ========== ========== ========== ========== Return/(loss) per 27.78p 254.97p 282.75p 26.94p (194.42p) (167.48p) ordinary share ========== ========== ========== ========== ========== ========== 2012 2011 £'000 £'000 *INCOME Income from investments designated at fair value through profit or loss Overseas dividends 15,301 20,518 Overseas scrip dividends 1,435 1,987 UK dividends 570 244 ---------- --------- - 17,306 22,749 Income from derivative instruments held at fair value through profit or loss Dividends on long CFDs 1,162 - ---------- --------- - 18,468 22,749 Other income Deposit interest 50 46 Income from Fidelity Institutional Liquidity Fund plc - 36 ---------- --------- - Total income 18,518 22,831 ========== ========== ** Relates to overseas taxation only A Statement of Total Recognised Gains and Losses has not been prepared as there are no gains and losses other than those reported in this Income Statement. The total column of the Income Statement is the profit and loss account of the Company. All revenue and capital items in the above statement derive from continuing operations. No operations were acquired or discontinued in the year. Reconciliation of Movements in Shareholders' Funds for the year ended 31 December 2012 share share capital capital revenue total capital premium redemption reserve reserve equity £'000 account reserve £'000 £'000 £'000 £'000 £'000 Opening shareholders' 12,362 58,615 3,463 572,985 13,117 660,542 funds: 1 January 2011 Net (loss)/return on - - - (92,314) 12,793 (79,521) ordinary activities after taxation for the year Repurchase of ordinary (1,289) - 1,289 (55,664) - (55,664) shares Dividend paid to - - - - (7,740) (7,740) shareholders ---------- ---------- ---------- ---------- ------ ---- ---------- Closing shareholders' funds: 11,073 58,615 4,752 425,007 18,170 517,617 31 December 2011 Net return on ordinary - - - 110,637 12,055 122,692 activities after taxation for the year Repurchase of ordinary (292) - 292 (12,457) - (12,457) shares Dividend paid to - - - - (11,578) (11,578) shareholders ---------- ---------- ---------- ---------- ------ ---- ---------- Closing shareholders' funds: 10,781 58,615 5,044 523,187 18,647 616,274 31 December 2012 ========== ========== ========== ========== ========== ========== Balance Sheet as at 31 December 2012 Company number 2638812 2012 2011 £'000 £'000 Fixed assets Investments designated at fair value through 583,938 504,409 profit or loss ---------- -------- -- Current assets Derivative assets held at fair value through 16,448 4,423 profit or loss Debtors 1,940 887 Fidelity Institutional Liquidity Fund plc 30 31 Cash at bank 20,450 12,371 ---------- -------- -- 38,868 17,712 ---------- -------- -- Creditors - amounts falling due within one year Derivative liabilities held at fair value (2,747) (1,314) through profit or loss Other creditors (3,785) (3,190) ---------- -------- -- (6,532) (4,504) ---------- -------- -- Net current assets 32,336 13,208 ---------- -------- -- Total net assets 616,274 517,617 ========== ========== Capital and reserves Share capital 10,781 11,073 Share premium account 58,615 58,615 Capital redemption reserve 5,044 4,752 Capital reserve 523,187 425,007 Revenue reserve 18,647 18,170 ---------- -------- -- Total equity shareholders' funds 616,274 517,617 ========== ========== Net asset value per ordinary share 1,428.97p 1,168.57p ========== ========== Cash Flow Statement for the year ended 31 December 2012 2012 2011 £'000 £'000 Operating activities Investment income received 13,165 16,783 Income received on long CFDs 1,162 - Deposit interest received 53 78 Investment management fee paid (4,721) (5,384) Directors' fees paid (161) (107) Other cash payments (675) (494) ---------- -------- -- Net cash inflow from operating activities 8,823 10,876 ---------- -------- -- Finance costs Interest paid on long CFDs and bank loans (335) (2,606) ---------- -------- -- Net cash outflow from finance costs (335) (2,606) ---------- -------- -- Overseas taxation recovered 1,106 2,608 ---------- -------- -- Financial investments Purchase of investments (129,219) (278,237) Disposal of investments 144,451 372,990 ---------- -------- -- Net cash inflow from financial investments 15,232 94,753 ---------- -------- -- Derivative activities Proceeds of long CFD positions closed 9,038 92 ---------- -------- -- Net cash inflow from derivative activities 9,038 92 ---------- -------- -- Dividend paid to shareholders (11,578) (7,740) ---------- -------- -- Net cash inflow before use of liquid 22,286 97,983 resources and financing ---------- -------- -- Cash flow from management of liquid resources Fidelity Institutional Liquidity Fund plc 1 21,502 ---------- -------- -- Net cash inflow from management of liquid 1 21,502 resources ---------- -------- -- Net cash inflow before financing 22,287 119,485 ---------- -------- -- Financing Repurchase of ordinary shares (14,055) (54,354) Loans repaid - (54,418) ---------- -------- -- Net cash outflow from financing (14,055) (108,772) ---------- -------- -- Increase in cash 8,232 10,713 ========== ========== The above statements have been prepared on the basis of the accounting policies as set out in the annual financial statements to 31 December 2012. This preliminary statement, which has been agreed with the Auditor, was approved by the Board on 26 February 2013 and agreed by the Auditor on 27 February 2013. It is not the Company's statutory financial statements. The statutory financial statements for the financial year ended 31 December 2011 have been delivered to the Registrar of Companies. The statutory financial statements for the financial year ended 31 December 2012 have been approved and audited but have not yet been filed. The statutory financial statements for the financial years ended 31 December 2011 and 31 December 2012 received unqualified audit reports, did not include a reference to any matters to which the Auditor drew attention by way of emphasis without qualifying the report and did not contain statements under section 498(2) and (3) of the Companies Act 2006. The annual report and financial statements will be posted to shareholders as soon as is practicable and in any event no later than 13 April 2013. END -0- Feb/27/2013 17:03 GMT
FIDELITY EUROPEAN VALUES PLC: Final Results
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Thermador 30-inch Pro Harmony Range PRD30304GHU
The Thermador PRD30 has oversized knobs and heavy cast iron burner grates that give it a handsome look and a high-quality feel. It has fewer features than many other ranges — the unit doesn't have any electronic controls, so setting options are limited — but that makes this dual-fuel model plenty easy to use. It heats evenly, and its sturdy racks glide out smoothly. The exterior stays cool to the touch. While the Thermador has a convection mode, we didn't find it offered a major advantage over conventional baking.
Type: Dual-fuel range
Convection Oven: Yes
Manufacturer's Warranty: Limited one-year warranty on entire appliance, parts and labor
Reviewed: March 2011
Price When Reviewed: $5749.00
- Boils water quickly and simmers steadily
- Oven heats very evenly
- Outside of range stays cool during use
- Continuous grates for sliding pots and pans off the heat
- One of the few that comes with a broiling pan
- Heavy-weight gliding racks
- Convection bake and broil
- Has a self-cleaning cycle, though it still leaves behind some residue
- Large, easy-to-use control knobs
- Large heavy grates are hard to lift and fit in sink for cleaning
- Oven light does not come on when you open the door
- Oven is low and has a small window, so it's hard to check on food
- No storage drawer
What do you think?
The Best Electric Ranges for Your Kitchen
Our Institute pros turned up the heat on the newest electric ranges — and these winners cooked the competition.
Ecovacs Deebot 83
The Ecovacs picked up debris well on bare floor, but performed poorly on carpet.
Pursonic i7 Pro Multifunction Vacuum
The Pursonic maneuvered well around furniture, but pickup performance on carpet was poor.
Miele Scout RX1 Robot Vacuum Cleaner
The Miele has advanced maneuvering technology and is very easy to use.
More From Appliances

subset: commoncrawl


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Long Term Care Industry News from Send2Press Newswire
News Index for Wednesday, November 25, 2015
Click any story headline below to read full press release.
= Video News Release (VNR)
= Video News Release (VNR)
Wed, 23 Sep 2015, 14:24:02 EST
KIRKLAND, Wash., Sept. 23, 2015 (SEND2PRESS NEWSWIRE) -- Long-term care insurance agents often resist reaching out to friends who could use their help. And seekers of LTC insurance information also resist reaching out to friends who may be in the business. But there's much to gain from overcoming this reluctance, according to ACSIA Partners, a leading long-term care insurance agency.
Twenty Eight of America's 'Top 100' Long-Term Care Insurance Agents Are with a Single Agency, ACSIA Partners
Tue, 11 Aug 2015, 06:00:43 EST
KIRKLAND, Wash., Aug. 11, 2015 (SEND2PRESS NEWSWIRE) -- High-flying birds tend to flock together. At least that seems to be the case with long-term care specialists from ACSIA Partners, a leading long-term care insurance agency. Twenty eight of them received the '2015 Long-Term Care Sales Achievement Award' and were among the top 100 individual LTCi producers, based on premium.
Mon, 20 Jul 2015, 06:00:02 EST
KIRKLAND, Wash., July 20, 2015 (SEND2PRESS NEWSWIRE) -- If you're in the market for long-term care insurance, you've probably submitted some online forms. And your phone may be ringing. How should you respond? 'Cautiously at first,' says Denise Gott, CEO of ACSIA Partners, a leading long-term care insurance agency.
ACSIA Partners Offers Election Poll on Key Issue: Incentives to Help More Americans Afford Long-Term Care Insurance
Wed, 24 Jun 2015, 06:01:00 EST
KIRKLAND, Wash., June 24, 2015 (SEND2PRESS NEWSWIRE) -- Today ACSIA Partners LLC announces a straw poll asking Americans to say which 2016 Presidential candidate, Democratic or Republican, is more likely to back federal incentives for owning long-term care insurance.
ACSIA Partners Offers Free Speakers on a Hot Topic, How to Pay for Long-Term Care When Public Programs Won't
Wed, 27 May 2015, 06:01:01 EST
KIRKLAND, Wash., May 27, 2015 (SEND2PRESS NEWSWIRE) -- Today ACSIA Partners announces the availability of a national network of speakers with expertise in long-term care funding. They're prepared to address any group about how to cover the long-term care expenses most longer-living Americans will incur at some point.
Homecare-Friendly Long-Term Care Plans from ACSIA Partners Let Seniors Continue Living at Home and Save Money Too
Mon, 27 Apr 2015, 06:01:01 EST
KIRKLAND, Wash., April 27, 2015 (SEND2PRESS NEWSWIRE) -- Many people envision long-term care insurance as a means of paying the bills when they move into a care facility. If you're one of them, 'You should widen your vision,' says Denise Gott, CEO of ACSIA Partners, an industry leader. 'LTC insurance also pays for care in one's own home. But some policies do a better job of it than others.' Today ACSIA Partners announces a campaign to promote Homecare-Friendly LTC plans.
Wed, 15 Apr 2015, 18:18:45 EST
ARDEN, N.C., April 15, 2015 (SEND2PRESS NEWSWIRE) -- Mountain Home Care founder Lana Wilde knows that when families need help with home care matters, a source of reliable information can be difficult to find. That's why the leading private home care agency in western North Carolina today launched the publication of its 'Home Care Guide.'
Tue, 24 Mar 2015, 06:01:01 EST
KIRKLAND, Wash., March 24, 2015 (SEND2PRESS NEWSWIRE) -- Thinking about long-term care insurance but loathe to schedule a lengthy interview in your home? You may be laboring under an outmoded assumption, that reaching out to an expert is a big deal. That's no longer the case with a new breed of tech-savvy agents. So says ACSIA Partners, an industry leader, in a consumer alert issued today.
Mon, 23 Mar 2015, 08:01:00 EST
CANANDAIGUA, N.Y., March 23, 2015 (SEND2PRESS NEWSWIRE) -- Whether they are too old, too ill, or find traditional long term care insurance problematic for another reason, more than 90 percent of people do not own a policy. 'Traditionally, long term care insurance was the only solution that financial advisors and insurance agents could offer people,' says Bill Jones, co-founder, President and CEO of The National Alliance of Insurance Agencies, Inc.
Tue, 17 Feb 2015, 06:00:01 EST
KIRKLAND, Wash., Feb. 17, 2015 (SEND2PRESS NEWSWIRE) -- Every year 10's of millions pass up a few hundred to a few thousand dollars - tax deductions for owning long-term care insurance. How come? Four sales leaders with ACSIA Partners point to psychological obstacles and suggest ways around them. ACSIA Partners is one of America's largest long-term care insurance agencies.
Thu, 12 Feb 2015, 12:30:31 EST
CHICAGO, Ill., Feb. 12, 2015 (SEND2PRESS NEWSWIRE) -- Matt McCann, one of the nation's leading experts on Long Term Insurance, has launched a new educational website which will allow consumers to learn more about this important retirement planning topic.
Thu, 22 Jan 2015, 06:00:01 EST
KIRKLAND, Wash., Jan. 22, 2015 (SEND2PRESS NEWSWIRE) -- Today ACSIA Partners, one of America's largest long-term care insurance agencies, reports 2014 sales of approximately $5 Million for its Worksite Division, up 100 percent from 2013. 'Double in just one year! For us, that's huge,' says Dan Cahn, Senior Vice President, who heads the worksite operation.
Savvy Siblings Discuss Long-Term Care at Thanksgiving Table - They Seek to Protect Estates While Elders Still Healthy and Insurable
Wed, 19 Nov 2014, 06:00:54 EST
KIRKLAND, Wash., Nov. 19, 2014 (SEND2PRESS NEWSWIRE) -- In recent years, Thanksgiving has become more than a time for getting together, showing appreciation, and renewing family bonds. It has also become a time to talk turkey about the long-term care needs of aging parents, according to ACSIA Partners, a leader in long-term care planning.
Tue, 28 Oct 2014, 05:01:38 EST
KIRKLAND, Wash., Oct. 28, 2014 (SEND2PRESS NEWSWIRE) -- Americans concerned about terrorism and Ebola should be aware of a much more likely, though less scary, development: one day needing long-term care. 'The risk is great and too many ignore it,' says Denise Gott, CEO of ACSIA Partners, a leader in long-term care planning.
Council on Aging of Buncombe County, Inc., Advances Community Partnerships for Successful Aging Initiative
Fri, 26 Sep 2014, 17:24:29 EST
ASHEVILLE, N.C., Sept. 26, 2014 (SEND2PRESS NEWSWIRE) -- Increasing numbers of western North Carolina's senior citizens will now be safe at home thanks to Council on Aging of Buncombe County, Inc., or COA, and its newest community partners, Bank of America and Merrill Lynch.
The Prospect of 'Empowered Living' Could Motivate Millions to Plan for Long Term Care, ACSIA Partners Says
Wed, 27 Aug 2014, 12:38:48 EST
KIRKLAND, Wash., Aug. 27, 2014 (SEND2PRESS NEWSWIRE) -- Today ACSIA Partners introduces the concept of 'empowered living,' an idea they hope will catch on to help solve a big national problem: lack of planning for long term care.
Fri, 25 Jul 2014, 07:00:24 EST
ASHEVILLE, N.C., July 25, 2014 (SEND2PRESS NEWSWIRE) -- Council on Aging of Buncombe County, Inc. 'Celebrates 50 Years' with a gala Saturday, August 23, from 6:30-10 p.m. Since 1964, Council on Aging's senior-centered support remains respected for its leadership and commitment to quality of life for aging adults and their care givers. Today, the agency's services remain relevant and popular, serving a growing number of Buncombe County residents.
Mon, 07 Jul 2014, 16:21:32 EST
OVERLAND PARK, Kan., July 7, 2014 (SEND2PRESS NEWSWIRE) -- In 1994, seven long term care insurance experts joined forces and started a new company. Their goal: to help more families protect themselves against the financial and emotional costs of an uninsured long term care need. Today, the National LTC Network (The Network) is comprised of over two dozen firms.
LTC Global Marketing and LTC Financial Partners Merge to Form Large One-Stop Shop for Long Term Care and Medicare Insurance Solutions
Wed, 02 Jul 2014, 12:13:27 EST
KIRKLAND, Wash., July 2, 2014 (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners, LLC and LTC Global Marketing Inc. announced the completion of the merger of the two companies into one of America's largest distributors of senior market insurance products. Industry veteran Denise Gott, formerly Executive Vice President of LTC Financial, will serve as Chief Executive Officer of the new combined entity.
Tue, 24 Jun 2014, 06:00:33 EST
KIRKLAND, Wash., June 24, 2014 (SEND2PRESS NEWSWIRE) -- An online collection, 'Stories of Celebrity Caregiving,' is now available without charge. Sponsored by LTC Financial Partners, LLC (LTCFP) and published by the Long Term Care Guild, it's a concise set of links to caregiving experiences and advice of movie stars, politicians, and other luminaries.
Creative Spirit of Edith Hopper Guthrie Inspires Gift Helping Four Seasons Ensure Quality Experiences for Families, Clients
Fri, 09 May 2014, 18:42:18 EST
HENDERSONVILLE, N.C., May 9, 2014 (SEND2PRESS NEWSWIRE) -- When Edith Hopper Guthrie, 94, left this world for the next, she also left behind a legacy for family and friends that will be long-remembered, says Four Seasons Compassion for Life, Flat Rock. Inspired by her mother's creative, hard-working example, Carol Heilman, her husband, Bob, son David, of Charleston, S.C., daughter, Sarah Burghardt, of Fairfield, Calif., and those closest to her decided to show how much they care.
Mon, 21 Apr 2014, 06:01:02 EST
KIRKLAND, Wash., April 21, 2014 (SEND2PRESS NEWSWIRE) -- If you're in the market for long term care insurance, you might go to your browser and search for long term care insurance or long term care quotes. That's fine as far as it goes, according to LTC Financial Partners, LLC (LTCFP), a leading national long-term care insurance solutions agency.
MasterCare, a National LTC Network Member Firm, Recommends Consumers Work with Long Term Care Insurance Specialists
Fri, 28 Mar 2014, 05:59:32 EST
OVERLAND PARK, Kan., March 28, 2014 (SEND2PRESS NEWSWIRE) -- The National LTC Network announces its immediate past Chairman, Mike Skiens, is featured in an article on long term care planning in Kiplinger's Retirement Report (March 2014).
Evolving Tax Benefits Make Long-Term Care Planning More Attractive - Multiple Incentives Now Moderate the Cost
Tue, 18 Feb 2014, 06:01:40 EST
KIRKLAND, Wash., Feb. 18, 2014 (SEND2PRESS NEWSWIRE) -- Long-term care services, which are generally not covered by Medicare or regular health insurance, can be expensive. 'Sticker shock keeps many from thinking about it,' says Ken Dehn, General Counsel for LTC Financial Partners LLC (LTCFP), one of the nation's most experienced long term care insurance solutions agencies.
Mon, 10 Feb 2014, 15:15:37 EST
DAYTON, Ohio, Feb. 10, 2014 (SEND2PRESS NEWSWIRE) -- With Valentine's Day approaching, our thoughts turn to lovers, yet no love is more enduring than the love that has lasted a lifetime. After spending a lifetime together, couples that have been separated by the chasm of the nursing home suffer the serious medical consequences of a literal broken heart. For nearly a decade, Right at Home - Dayton In-Home Care and Assistance has been keeping these loves together in their homes, supporting each other and spending time together, sometimes the last precious moments of their lives.
Wed, 29 Jan 2014, 04:59:38 EST
KIRKLAND, Wash., Jan. 29, 2014 (SEND2PRESS NEWSWIRE) -- Nearly 70 percent of Americans over 65 will need long-term care services at some point, according to the U.S. Department of Health and Human Services. That includes the majority of Baby Boomers, 78 million strong, now moving into their retirement years. Yet only a small percentage are protected by long-term care insurance. Estimates range from 8 percent to 10 percent for adults 55 and older. For this reason, LTC Financial Partners, LLC announces their LTC Solutions campaign, which is a simple answer to a big, seemingly intractable problem.
Wed, 15 Jan 2014, 17:49:03 EST
FLAT ROCK, N.C., Jan. 15, 2014 (SEND2PRESS NEWSWIRE) -- Four Seasons Compassion for Life announces the addition of Callie Walston, philanthropy coordinator, to its development department. A lifetime resident of Asheville, Buncombe County, Walston holds a 2006 bachelor's degree in communications from Appalachian State University, and is a 2002 graduate of North Buncombe High School.
Mon, 13 Jan 2014, 15:58:02 EST
SAN DIEGO, Calif., Jan. 13, 2014 (SEND2PRESS NEWSWIRE) -- Majority Leader Toni Atkins, 78th Assembly District, announced she will introduce landmark liability insurance legislation for California's Residential Care Facilities for the Elderly (RCFEs). According to Consumer Advocates for RCFE Reform (CARR), liability insurance for RCFEs is now not required as a condition of licensure. Assembly Member Atkins' bill is expected to require liability insurance for the approximate 7,500 assisted living facilities in the state.
Four Seasons Compassion for Life Meets the Emerging Needs of Buncombe, western North Carolina's Aging Population in the 2014 New Year
Tue, 07 Jan 2014, 13:54:45 EST
ASHEVILLE, N.C., Jan. 7, 2014 (SEND2PRESS NEWSWIRE) -- As celebrants welcome the 2014 New Year, a retrospective look at 2013 shows that the aging of western North Carolina's population, together with retirement relocations, has resulted in a rise in the numbers of individuals who may need specialized care during serious illness or at end of life, according to Four Seasons Compassion for Life.
Four Seasons CEO Shares Five Common Ways Families Know When it's Time to Ask for Care Assistance for Aging Loved Ones
Thu, 02 Jan 2014, 17:35:07 EST
FLAT ROCK, N.C., Jan. 2, 2014 (SEND2PRESS NEWSWIRE) -- As the holiday season draws to a close and families return home to resume work and school, the days following Christmas are frequently a time when the question of how to cope with an aging loved one's long term illness is no longer a concern for the future. 'January is often the time when family members reassess the amount and quality of care they can give, versus what Grandma or Grandpa needs,' says Chris Comeaux, Four Seasons Compassion for Life.
Matt McCann, a Long-Term Care Leader, Joins LTC Financial Partners to Help Aging Americans Prepare for Mounting Care Needs
Thu, 12 Dec 2013, 05:00:12 EST
KIRKLAND, Wash., Dec. 12, 2013 (SEND2PRESS NEWSWIRE) -- Matt McCann's mom was 59 when she cut herself, a seemingly minor accident. The wound developed a staph infection that led to a long hospital stay with complications; and then, suddenly, she found herself needing 'long-term care' or help with the tasks of daily living, services not covered by regular health insurance. Today, 15 years later, he embarks on a new phase of his career by accepting the post of Senior Vice President with LTC Financial Partners, LLC.
For Many Women, a Long-Term Care Protection 'Package' May Be an Ideal Holiday Gift, Ohio LTC Leader Says
Wed, 04 Dec 2013, 08:59:20 EST
CLEVELAND, Ohio, Dec. 4, 2013 (SEND2PRESS NEWSWIRE) -- Looking for a special present for a special woman? 'A long-term care protection package may be just the ticket,' says Denise Gott, Executive Vice-President of LTC Financial Partners, LLC (LTCFP).
Fri, 15 Nov 2013, 05:00:01 EST
KIRKLAND, Wash., Nov. 15, 2013 (SEND2PRESS NEWSWIRE) -- LTC Financial Partners, LLC (LTCFP) has identified seven (count 'em) awareness campaigns that are competing with Thanksgiving for space at November's table of caring. 'They're all worthy and they're all needed,' says Mark Goldberg, LTCFP's National Sales Manager, 'because they all address, in different ways, a common problem that is huge, universal, and under-appreciated. That's the growing need for long-term care planning.'
Wed, 13 Nov 2013, 07:59:23 EST
OVERLAND PARK, Kan., Nov. 13, 2013 (SEND2PRESS NEWSWIRE) -- At the National LTC Network's recent Annual Shareholders Meeting in Dallas, Thomas J. McInerney, President and CEO of Genworth Financial, Inc., shared his thoughts - engaging the group in a robust discussion on the future of the long term care (LTC) insurance industry.
Long-Term Care Leader Seeks Alliances with 1,000 Insurance and Financial Advisers, a Move Prompted by the Surge of Aging Baby Boomers
Mon, 23 Sep 2013, 14:16:02 EST
KIRKLAND, Wash., Sept. 23, 2013 (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners, LLC (LTCFP) offers alliance opportunities to 1,000 independent advisers who wish to help longer-living Americans prepare for upcoming long-term care (LTC) needs. The aim is to handle an expected glut of clients by leveraging, through the advisers, LTCFP's expertise, solution set, and outreach tools.
ClaimJockey Increases the Likelihood of Collecting Long-Term Care Insurance Benefits by Helping Families Submit Clean Claims
Mon, 19 Aug 2013, 14:46:05 EST
KANSAS CITY, Mo., Aug. 19, 2013 (SEND2PRESS NEWSWIRE) -- Today FCF Holding announces the results of the market test of ClaimJockey, their new long-term care insurance claims assistance service, the first of its kind in America. 'It's proving more successful than when families tackle the claims process alone,' says Wendy Rinehart, President.
Long-Term Care Insurance Industry Leader Prepares to Serve Groundswell of New Clients as Claim Benefit Payments Quadruple
Mon, 19 Aug 2013, 05:00:02 EST
KIRKLAND, Wash., Aug. 19, 2013 (SEND2PRESS NEWSWIRE) -- When today's 50 to 60-somethings turn 70 to 80-something, tens of billions of dollars per year will be paid to holders of long-term care insurance policies and related financial instruments. Will you be among them? Today LTC Financial Partners, LLC (LTCFP), offers a five-fold path for participation.
Numbers of Buncombe, Western North Carolina Residents Living with Serious Illness on the Rise, says Four Seasons Compassion for Life
Wed, 07 Aug 2013, 13:14:44 EST
ASHEVILLE, N.C., Aug. 7, 2013 (SEND2PRESS NEWSWIRE) -- North Carolina area services, options and support result in relocation of patients in need of long-term care options, says Four Seasons Compassion for Life. Fewer than 15 minutes: That's how long it took for a Virginia neurologist to tell Karen Zimmerman, then 51, a member of the Board of Directors of the National Alzheimer's Association, the results of her medical tests.
Janet Bull, Chief Medical Officer of Four Seasons Compassion for Life, is a Nominee for Top 25 Visionaries in the Field
Wed, 24 Jul 2013, 18:43:45 EST
FLAT ROCK, N.C., July 24, 2013 (SEND2PRESS NEWSWIRE) -- Janet Bull, M.D., chief medical officer of Four Seasons Compassion For Life, is a nominee for American Academy of Hospice and Palliative Medicine's list of top 25 visionaries in the field.
Now Everyone Can Plan for Long-Term Care; Updated '3in4' Guide Offers Overview of Product and Living Options, Fitting All Situations
Wed, 24 Jul 2013, 06:00:01 EST
KIRKLAND, Wash., July 24, 2013 (SEND2PRESS NEWSWIRE) -- Today the publication of a comprehensive, updated guidebook makes clear that long-term care (LTC) planning has moved well beyond traditional insurance, Medicaid, and nursing-home care. The newly revised guide, '3in4 Need More: Long Term Care Planning TODAY,' succinctly describes more than half a dozen government or private financial options. The 36-page publication is offered free by LTC Financial Partners, LLC (LTCFP), under a non-exclusive distribution agreement with the 3in4 Association, the publishers.
With Dementia Cases and Care Costs Set to Double by 2040, LTC Financial Partners Offers Long-Term Care 'Solution Set' for Affected Families
Wed, 19 Jun 2013, 05:58:09 EST
KIRKLAND, Wash., June 19, 2013 (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners, LLC (LTCFP), announces a five-part 'solution set' for Americans facing a growing problem: how to cope when Mom, Dad or another family member succumbs to dementia, which includes Alzheimer's disease.
Surviving a Critical Illness, Then Surviving the Cost; New Guide Offered by LTC Financial Partners, LLC (LTCFP) Tells How
Wed, 29 May 2013, 20:25:17 EST
KIRKLAND, Wash., May 29, 2013 (SEND2PRESS NEWSWIRE) -- A new 16-page guide describes a form of insurance designed to protect against financial catastrophe on the heels of catastrophic illness. Titled 'Surviving Critical Illness Financially,' the guide is being offered free of charge by LTC Financial Partners, LLC (LTCFP), under a non-exclusive distribution agreement with business partners American Independent Marketing (AIM) and GoldenCare USA, the publishers.
Tue, 09 Apr 2013, 03:51:38 EST
LOS ANGELES, Calif., April 9, 2013 (SEND2PRESS NEWSWIRE) -- Karl Kim CFP, CLTC, of Retirement Planning Advisors, Inc. is a Medi-Cal specialist who is quickly gaining a reputation for being California's 'go-to-guy' in the retirement crisis planning arena. In fact, Retirement Planning Advisors, Inc. is California's first firm completely dedicated to retirement crisis planning and pre-planning.
Tue, 02 Apr 2013, 06:54:55 EST
LOS ANGELES, Calif., April 2, 2013 (SEND2PRESS NEWSWIRE) -- According to retirement crisis expert and author Karl Kim, CFP, CLTC, each year thousands of people are thrust into a 'care crisis' when a family member or loved one needs long-term care. The challenge is not only finding the right nursing home; what can be even more challenging is figuring out how to pay for the care - and how to minimize possible damage to the rest of the family.
Wed, 13 Mar 2013, 04:55:01 EST
KIRKLAND, Wash., March 13, 2013 (SEND2PRESS NEWSWIRE) -- Considering long-term care insurance? Tax time may be a good time to move your decision to the front burner, because the premiums of many policyholders may be subsidized by tax deductions or credits. So says Denise Gott, National Sales Manager of LTC Financial Partners, LLC (LTCFP), one of America's most experienced long-term care insurance agencies.
Leading Long-Term Care Insurance Agency Broadens Scope, Offering Group Plans for Worksites and Expanded Options for Consumers
Wed, 13 Feb 2013, 04:50:00 EST
KIRKLAND, Wash., Feb. 13, 2013 (SEND2PRESS NEWSWIRE) -- Until recently, long-term care financing has been offered to Americans primarily in the home; and the means of financing has been limited to LTC insurance, for the most part. That's no longer so with LTC Financial Partners, LLC (LTCFP), one of America's largest and most experienced LTCi agencies.
Tue, 05 Feb 2013, 07:56:01 EST
OVERLAND PARK, Kan., Feb. 5, 2013 (SEND2PRESS NEWSWIRE) -- The National LTC Network (NLTCN) and the 3in4 Association are pleased to announce a new strategic partnership. Since the 3in4 Association's inception, NLTCN has provided sponsorship dollars to support the Association's '3in4 Need More' nationwide public service campaign.
Tue, 15 Jan 2013, 06:57:01 EST
TAMPA, Fla., and BOSTON, Mass., Jan. 15, 2013 (SEND2PRESS NEWSWIRE) -- Advanced Resources Marketing (ARM), one of the country's largest distributors of Long Term Care Insurance (LTCi) announced today the opening of a satellite distribution office in Tampa, Fla. This location joins the main office in Boston, and satellite offices in Merion Station, Pa., and McLean, Va., as a growing part of ARM's distribution network.
Mon, 07 Jan 2013, 08:56:02 EST
OVERLAND PARK, Kan., Jan. 7, 2013 (SEND2PRESS NEWSWIRE) -- The National LTC Network is pleased to announce the merger of two of its member firms' Long Term Care insurance brokerage operations. Effective January 1, 2013, Individual Commercial Brokerage, Inc. (ICB) and Gelbwaks Executive Marketing Corp. (GEM) are combining their two award-winning and nationally-recognized operations.
Wed, 12 Dec 2012, 14:26:40 EST
KIRKLAND, Wash., Dec. 12, 2012 (SEND2PRESS NEWSWIRE) -- Why are some middle-aged Americans buying long-term care insurance (LTCi) for their aging parents? It's partly because Mom and Dad may need help with the tasks of daily living, but can't afford a policy to pay for it, according to Denise Gott, National Sales Manager of LTC Financial Partners, LLC (LTCFP).
Home Helpers and Direct Link Franchise Owner Robert J. Harter Honored with 2012 Adam Brown Spirit Award
Thu, 29 Nov 2012, 14:23:38 EST
BRENTWOOD, Tenn., Nov. 29, 2012 (SEND2PRESS NEWSWIRE) -- Robert J. Harter, owner of Home Helpers and Direct Link of Middle Tennessee, was recently honored with the 2012 Adam Brown Spirit Award at the annual Home Helpers National Conference in Cancun, Mexico, on October 23, 2012.
Sun, 21 Oct 2012, 04:55:01 EST
KIRKLAND, Wash., Oct. 22, 2012 (SEND2PRESS NEWSWIRE) -- Has the government got your back on long-term care (LTC), or not? Are the odds small or great that you or a family member will ever need LTC? How safe is a 'wait-and-see' approach to the issue? These key questions are addressed in an online quiz from LTC Financial Partners, LLC (LTCFP), one of America's largest and most experienced long-term care insurance agencies.
Do People Over-Estimate the Cost of Long-Term Care Insurance, Depriving Themselves of Vital Protection?
Tue, 18 Sep 2012, 02:59:29 EST
KIRKLAND, Wash., Sept. 18, 2012 (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners, LLC (LTCFP) announces a straw poll to let people guess the cost of long-term care insurance, immediately learn what others think, and then get actual numbers from an expert by phone. The poll and follow-up information are designed to correct a misconception that may be leaving most Americans unnecessarily unprotected.
Labor Day Proposal from Long-Term Care Leader: Thank the Unsung Millions Who Provide Labor of Love, Our Caregivers
Mon, 13 Aug 2012, 02:58:40 EST
KIRKLAND, Wash., Aug. 13, 2012 (SEND2PRESS NEWSWIRE) -- All Americans owe a debt of gratitude to those who work for a living. But what about our caregivers, who selflessly tend the disabled - helping them eat, bathe, go to the bathroom, dress? Our society could not function without caregivers, yet we give them short shrift when handing out thank-you's. To rectify this, LTC Financial Partners, LLC (LTCFP) proposes a Labor Day token of thanks.
Wed, 18 Jul 2012, 02:59:00 EST
KIRKLAND, Wash., July 18, 2012 (SEND2PRESS NEWSWIRE) -- When the Supreme Court upheld The Patient Protection and Affordable Care Act (Obamacare), uncertainty about health insurance abated. But what about long-term care insurance, which covers in-home, nursing-home, and assisted-living care - expensive services scarcely addressed by regular insurance or Medicare? That issue remains as head-scratching as ever, according to LTC Financial Partners, LLC (LTCFP), one of America's most experienced long-term care insurance agencies.
Tue, 03 Jul 2012, 14:25:00 EST
OVERLAND PARK, Kan., July 3, 2012 (SEND2PRESS NEWSWIRE) -- As our country celebrates Independence Day, it's an appropriate time to reflect on the value itself, says Terry Truesdell, President and CEO of The National LTC Network. Mirriam-Webster's dictionary defines independent as: not subject to control by others; not requiring or relying on something else; not requiring or relying on others (as for care or livelihood).
Wed, 27 Jun 2012, 02:59:04 EST
KIRKLAND, Wash., June 27, 2012 (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners, LLC (LTCFP) announces a free service to help consumers learn about the financial risk of needing long-term care someday, and how to manage the risk. The service blends the best of technology with the best of humanity: real, live advisors on the phone. It's a simple two-step process.
3in4 Association Announces Strategic Partnership with Care Options OnLine (COOL) with Resources for Long-Term Care Planning and Wellness
Tue, 26 Jun 2012, 02:59:20 EST
KIRKLAND, Wash., June 26, 2012 (SEND2PRESS NEWSWIRE) -- Today the non-profit 3in4 Association announces a partnership with CareOptions Online(TM) (COOL(TM)), a web-based service promoting wellness and offering quick, easy access to healthcare services for entire families. The main focus is on mature adults and seniors, but the health and fitness advice applies to children and young adults as well. So do the referral services for medical care, childcare, and other resources important for family health and well-being.
Thu, 21 Jun 2012, 02:58:43 EST
KIRKLAND, Wash., June 21, 2012 (SEND2PRESS NEWSWIRE) -- The Texas Long-Term Care Partnership and the 3in4 Association are joining forces to host a series of free seminars in July to encourage people to think about how they're going to pay for their long-term care.
Tue, 19 Jun 2012, 17:46:26 EST
TORRANCE, Calif., June 19, 2012 (SEND2PRESS NEWSWIRE) -- Smart phones have changed the way most of us do many things. Now they can aid those who provide in-home care for seniors or the disabled, according to Anna Chu Lin of Friends Beyond Borders.
Millions in Workplaces May Get Long-Term Care Insurance, According to Industry Leader Offering Special Report
Wed, 23 May 2012, 01:59:05 EST
KIRKLAND, Wash., May 23, 2012 (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners, LLC (LTCFP) announces an agreement with EraNova Institute to distribute a special report on the future of long-term care insurance (LTCI) as an employee benefit. The report will be made available by LTCFP to selected employee benefit brokers, human resource managers, and heads of business and non-profit organizations. Titled 'The LTC Benefit Battle,' the EraNova document is based on interviews with leaders in the insurance, healthcare, and employee benefit fields.
Wed, 16 May 2012, 04:59:21 EST
OVERLAND PARK, Kan., May 16, 2012 (SEND2PRESS NEWSWIRE) -- MasterCare Solutions, a National LTC Network member, hosted the May 11 Oregon stop of the 3in4 Need More Tour. Nathan Sanow, Business Development Manager at MasterCare, and Erica Drake, Marketing Specialist at the firm, accompanied tour spokesperson and elder care expert Dr. Marion Somers ('Dr. Marion') as she addressed the need for long term care planning in Portland, Oregon.
MedAmerica and LTC Financial Partners Announce a Broad Suite of Long-Term Care Insurance Products for the Workplace
Thu, 16 Feb 2012, 05:58:11 EST
KIRKLAND, Wash., Feb. 16, 2012 (SEND2PRESS NEWSWIRE) -- Today MedAmerica Insurance Company (MedAmerica) and LTC Financial Partners, LLC (LTCFP) announce a distribution agreement to make a broad suite of long-term care insurance products available at reduced underwriting and multi-life discounts to employees. The policy suite is the latest incarnation of multi-life LTC insurance, a relatively new, increasingly-popular type of employee benefit that is proliferating faster than traditional group LTC plans.
Leading Long-Term Care Agency Is Bouncing Back Like Chris Gardner, Hero of 'Pursuit of Happyness,' the Movie Starring Will Smith
Tue, 24 Jan 2012, 05:59:22 EST
KIRKLAND, Wash., Jan. 24, 2012 (SEND2PRESS NEWSWIRE) -- Christopher Gardner, played by Will Smith in 'The Pursuit of Happyness' (Columbia Pictures, 2006), was jobless and homeless with a baby boy to support. He bounced back, gaining wealth and a future for his son. Inspired by this example, LTC Financial Partners LLC (LTCFP) invited Gardner to speak at the company's annual meeting, held this year in New Orleans, January 13-15.
Wed, 04 Jan 2012, 04:58:13 EST
PLACENTIA, Calif., Jan. 4, 2012 (SEND2PRESS NEWSWIRE) -- Today the Association of Professional Ball Players of America (APBPA) announces the selection of LTC Financial Partners LLC (LTCFP) to offer long-term care education and long-term care insurance coverage to their 11,000 Members. For members that choose to purchase the insurance, applications for individual policies will be completed by LTCFP and underwritten by Transamerica Life Insurance Company.
Wed, 14 Dec 2011, 13:43:00 EST
MOUNTAIN LAKES, N.J., Dec. 14, 2011 (SEND2PRESS NEWSWIRE) -- Today the EraNova Institute announces the publication of a special report, Avoiding the Long-Term Care Wipeout by Riding the Life-Extension Wave. 'It offers a win-win-win strategy that can enrich three constituencies while helping America thrive again,' says Richard W. Samson, Director of EraNova and author of the report.
Thu, 01 Dec 2011, 17:14:00 EST
KIRKLAND, Wash., Dec. 1, 2011 (SEND2PRESS NEWSWIRE) -- In November the 3in4 Association added seven new members to its advisory board, and received increased support from two insurance carriers: John Hancock, an existing member of the organization, and Genworth, which provided sponsorship of a meaningful consumer study. 'We're gaining momentum,' says Mark Goldberg, Treasurer of the association that runs the '3 in 4 Need More' campaign.
Tue, 22 Nov 2011, 20:17:46 EST
SAN JOSE, Calif., Nov. 22, 2011 (SEND2PRESS NEWSWIRE) -- At least one in nine seniors is at-risk of going hungry due to the inability to obtain sufficient food for their household or having to choose between food and medical care (*note 1). During the Holidays, Comfort Keepers(R) in South Bay and Peninsula is asking the community to make food donations to the 'STOP Senior Hunger' food drive to help local seniors and raise awareness for this growing epidemic that impacts millions of older Americans trying to remain healthy and independent.
LTC Financial Partners Selected by American Senior Benefits Association to Provide Long-Term Care Education and Insurance
Thu, 17 Nov 2011, 13:29:02 EST
KIRKLAND, Wash., Nov. 17, 2011 (SEND2PRESS NEWSWIRE) -- Today the American Senior Benefits Association (ASBA) announced the selection of LTC Financial Partners, LLC (LTCFP) to provide long-term care education and insurance for members and their families. The aim of the ASBA Long-Term Care Insurance Program is to supply education on the financial risks associated with long-term care and how a long-term care insurance policy can transfer these risks from a member's assets to that of an insurance carrier.
Thu, 20 Oct 2011, 05:59:02 EST
KIRKLAND, Wash., Oct. 20, 2011 (SEND2PRESS NEWSWIRE) -- Today one of the nation's largest long-term care insurance agencies announces a national effort to help all Americans with their long-term care financing needs. The company is LTC Financial Partners, LLC (LTCFP), which represents multiple insurance carriers.
November Is Long-Term Care Awareness Month, a Good Time for Local Groups to Schedule Informational Seminars
Wed, 19 Oct 2011, 14:47:59 EST
KIRKLAND, Wash., Oct. 19, 2011 (SEND2PRESS NEWSWIRE) -- Each November, during Long-Term Care Awareness month, Americans are reminded to think about their future care needs. For those who want to get serious about it, a seminar is available to answer all questions. It's provided free to local groups by LTC Financial Partners, LLC (LTCFP), one of the nation's largest long-term care insurance agencies representing multiple carriers.
Long Term Care Insurance Specialist and Attorney Helen Boyer Goes to Bat for Washington State Consumers Needing LTC Protection
Thu, 13 Oct 2011, 22:15:38 EST
KIRKLAND, Wash., Oct. 13, 2011 (SEND2PRESS NEWSWIRE) -- Washington state residents are about to be rewarded for planning ahead for their long-term care (LTC) needs, but the forthcoming program will be even better with a few tweaks. So says Helen Boyer, who testified on October 11 before the Washington State Office of the Insurance Commissioner. Boyer, a Bellevue-based attorney specializing in insurance law, is a Partner with LTC Financial Partners, LLC (LTCFP), one of America's largest long-term care insurance agencies representing multiple carriers.
Tue, 04 Oct 2011, 09:58:44 EST
MADISON, Wis., Oct. 4, 2011 (SEND2PRESS NEWSWIRE) -- Collegiate Caregivers announced this week the launch of a new home care business that aims to revolutionize the senior care industry through an intelligent and unique use of college students and technology.
As Health Reform Takes Effect, Companies Must Offer Long-Term Care Insurance to Employees, But There's a Roadblock
Tue, 27 Sep 2011, 06:55:11 EST
KIRKLAND, Wash., Sept. 27, 2011 (SEND2PRESS NEWSWIRE) -- As part of health reform, American companies are required to enable their employees to participate in the public option for long-term care insurance, known as the Community Living Assistance and Supports (CLASS) program. Now being fleshed out by the U.S. Department of Health and Human Services, CLASS -- though postponed until 2013 -- calls for employees to be automatically enrolled, with payroll deductions, unless they opt out.
Mon, 19 Sep 2011, 08:59:22 EST
KIRKLAND, Wash., Sept. 19, 2011 (SEND2PRESS NEWSWIRE) -- If one of your aging parents suddenly needs help with the tasks of daily living, who will provide it? You? 'If that's your default plan,' says Craig Smith, President of LTC Financial Partners LLC (LTCFP), 'be prepared for sticker shock. Your services don't come free.' LTCFP is one of the nation's largest and most experienced long-term care insurance agencies.
Long-term Care Advocate Dr. Marion Finds Common Ground with the Dalai Lama and Tibet's Prime Minister in Exile
Thu, 21 Jul 2011, 08:58:01 EST
WASHINGTON, D.C. (SEND2PRESS NEWSWIRE) -- On Friday, July 15, universal principles of eldercare were affirmed by exiled Tibetan leaders and Dr. Marion Somers, the pre-eminent U.S. advocate for better long-term care. Dr. Marion was in Washington, D.C., representing the 3in4 Association on a national tour.
Looking for a Free Speaker on a Hot Topic? Hundreds Available for 'Long-Term Healthcare Planning Options for Americans'
Thu, 14 Jul 2011, 19:24:03 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners, LLC (LTCFP) announces the availability of hundreds of experts who will speak to local groups supporting a new national awareness campaign. The campaign is titled 3in4 Need More, www.3in4needmore.com, and it is about educating Americans on all their long term care planning options.
California Long-Term Care in Jeopardy - Well-Intentioned Bill Threatens to Boost Insurance Rates and Undermine Care
Tue, 14 Jun 2011, 20:21:47 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Concerned that long-term care insurance rates might go up? 'The California Assembly feels your pain,' says Cameron Truesdell, CEO of LTC Financial Partners LLC (LTCFP), 'but they just passed a bill, AB 999, that will only make matters worse if the State Senate also passes it.' LTCFP is one of America's largest and most experienced long-term care insurance agencies, representing multiple carriers.
When Financial Advisors Recommend Long-Term Care Insurance, They Can Save Their Clients and Themselves a Bundle
Thu, 26 May 2011, 11:59:04 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- A New Jersey naval architect watched helplessly as over $1 million dollars disappeared into the health-care system: all the assets of his mom and dad in their final years. Like most middle-class Americans, the naval architect and his parents had missed an estate planning gap. Their financial advisors (FA's) missed it too. No long term care insurance (LTCi). 'This was an expensive omission,' says Jonas Roeser, of LTC Financial Partners LLC.
Tue, 10 May 2011, 08:58:27 EST
PORTLAND, Maine (SEND2PRESS NEWSWIRE) -- At a recent conference Todd Grove of Portland, Maine, was singled out as the nation's 'top producer' in 2010 by LTC Financial Partners LLC (LTCFP). Grove won the same honor in several previous years, distinguishing himself among colleagues nationwide.
Thu, 14 Apr 2011, 08:57:08 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- On April 3 in Las Vegas, Nevada, the '3 in 4 Need More' campaign - run by the 3in4 Association - made its second public appearance, following the first in Atlanta, Georgia, on March 8. This month's appearance took place during the 2011 LTCi Producers Summit, run by the American Association for Long-Term Care Insurance (AALTCI).
Thu, 17 Mar 2011, 18:49:00 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners, LLC (LTCFP), which educates Americans on the need to plan for long-term care, announces a strategic alliance with Caregiver Services Inc. (CSI), which provides in-home care so people don't have to leave their homes to receive care elsewhere.
Wed, 02 Mar 2011, 09:59:55 EST
KIRKLAND, Wash., March 2, 2011 (SEND2PRESS NEWSWIRE) -- On March 8 in Atlanta, the '3 in 4 Need More' campaign will get a boost from Dr. Marion Somers, the long-term care planning advocate who is a frequent guest on programs such as Good Morning America, Today Show, and NBC Nightly News.
Tue, 01 Feb 2011, 18:39:31 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- LTC Financial Partners LLC (LTCFP), one of America's largest and most experienced long-term care insurance agencies, is going for the gold. 'Among agencies specializing in LTC, we're already out in front,' says Cameron Truesdell, CEO, 'and we're determined to widen our lead.' To highlight this point, LTCFP engaged Olympic legend Bruce Jenner to speak at the company's annual meeting, held this year in Austin, Texas, January 14-16.
Thu, 07 Oct 2010, 05:59:24 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Today the nonprofit 3in4 Association, established by thirteen long term care insurance leaders, announces the formation of an advisory board and executive committee for the 'Nearly 3 in 4 Need More Campaign.' The group seeks to educate the public with information to support Americans' plans for their potential need for long term care.
T7 Inc. Presents Free Educational Seminar in Tucson, AZ (6/29/10) for Individuals Managing Their Elderly Parents
Tue, 15 Jun 2010, 19:29:28 EST
SCOTTSDALE, Ariz. (SEND2PRESS NEWSWIRE) -- T7 Inc., an educational seminar company headquartered in Scottsdale, AZ, has produced a powerful and compelling seminar that addresses the issue of individuals thrust into the role of managing or caring for elderly parents in a most unique way. Titled, 'Managing Your Aging Parents - 10 Keys to Success' this educational seminar is just 60 minutes in length but it is focused on presenting 10 key topics that are critical to the successful management of the elderly.
Mon, 07 Jun 2010, 06:57:17 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- The CLASS Act, part of the new health reform law (the Patient Protection and Affordable Care Act), will offer a type of long term care insurance for working people and others who may become disabled. But confusion and doubt are widespread. 'Many wonder how the CLASS Act will affect them personally,' says Jonas Roeser, Senior Vice President of Marketing and Operations for LTC Financial Partners LLC (LTCFP), one of the nation's most experienced long term care insurance agencies.
Tue, 11 May 2010, 06:01:12 EST
PORT ORCHARD, Wash. (SEND2PRESS NEWSWIRE) -- Women live longer than men and are America's primary caregivers. Yet too often they sacrifice their time, jobs, savings and serenity looking after a debilitated spouse or parent. Furthermore, while attending to those significant others, they often neglect planning for their own care. 'This is a huge national problem,' says Jenny Fassett, President of newly-formed LTC4women, a limited liability company based in Port Orchard, Washington.
Mon, 29 Mar 2010, 05:59:29 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- It can be instructive to consider not just what long term care insurance professionals recommend, but what they do -- for their own personal protection. A good example is the case of Kim Galatolo, an agent with LTC Financial Partners LLC (LTCFP), one of the nation's most experienced long term care insurance agencies. In California, where Galatolo lives and works, the firm is known as LTC Partners & Insurance Services, LLC.
Tue, 23 Mar 2010, 13:01:55 EST
OOLTEWAH, Tenn. (SEND2PRESS NEWSWIRE) -- Live-At-Home.com, a free Web site designed to assist seniors with aging at home, announced this week a recent expansion of its site's resources and content. Live-At-Home places an emphasis on health care and related issues of aging in place. Practical information is provided in an easy-to-use format and experts are available to answer individual questions.
Mon, 16 Nov 2009, 14:21:59 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Like other longer-living Americans, gay males and lesbians (as well as bisexuals and transsexuals) face the prospect of eventual incapacity and the need for long term care. But they have special problems getting that care when needed, according to LTC Financial Partners, LLC (LTCFP), one of the nation's largest and most experienced long-term care insurance agencies.
Wed, 28 Oct 2009, 13:45:46 EST
OVERLAND PARK, Kan. (SEND2PRESS NEWSWIRE) -- The National LTC Network is celebrating 15 years as a national leader in long term care insurance distribution. The Network counts among its 30 member firms some of the most-respected and successful firms in the industry. 'The Network is a unique organization, consisting of firms that are competitors, but that have come together to share best practices and address common long-term care insurance industry issues,' commented Terry Truesdell, President and CEO.
Tue, 27 Oct 2009, 05:59:23 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- The good news is that Americans are living longer. The bad news is that millions are outliving their money; and when they need long term care, they face bleak prospects. According to a new guidebook from LTC Financial Partners, LLC (LTCFP), the unprepared are either forced to move into a nursing home funded by Medicaid, or to live with relatives who must disrupt their lives to care for them.
Thu, 15 Oct 2009, 05:59:27 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- LTC Hotline - a one-stop shopping center - promises to simplify the process of finding the right long term care policy from the right carrier at the right price. 'Traditionally,' says Jonas Roeser, 'consumers had to meet with an agent in person, or try to compare confusing quotes from multiple carriers. Now they can find the best policy and price for their situation, from any of several top carriers, just by calling a toll-free number.' Or, if they prefer, they can request help online.
Mon, 28 Sep 2009, 05:59:31 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- This Fall, business and personal travelers have been exposed to a special message in the nation's airports and on Delta Airlines flights. Now available online, the message is delivered by Denise Gott, Chairman of the Board of LTC Financial Partners LLC (LTCFP), one of the nation's largest and most experienced long-term care insurance agencies. The message is this: 'In America 3 in 4 of us need long term care after we turn 65. But most of us aren't insured for it, and waiting to insure carries great risks.'
Open Letter to Congress on Long Term Care Insurance and Health Care Reform from National LTC Network
Wed, 23 Sep 2009, 13:34:06 EST
OVERLAND PARK, Kan. (SEND2PRESS NEWSWIRE) -- As the Senate Finance Committee (SFC) resumes work this week on the health care reform bill, The National LTC Network urges Congress to consider two ideas. First, include an above-the-line deduction for long term care (LTC) insurance premiums.
Industry Leader Praises Health Reform Bill that Provides 50 percent Tax Deduction for Long-Term Care Premiums
Thu, 10 Sep 2009, 16:03:00 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Today Jonas Roeser, a long-term care industry leader, declared his support for H.R. 1891, a House bill to make long-term care insurance more affordable through a 50 percent tax deduction. Roeser is Senior Vice President of Marketing and Operations for LTC Financial Partners LLC (LTCFP) - www.ltcfp.com - one of the nation's largest and most experienced long-term care insurance agencies.
Wed, 19 Aug 2009, 06:01:09 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- As the economy struggles, LTC Financial Partners LLC (LTCFP) reports continued rapid growth. This month Inc. Magazine ranks LTCFP No. 1,970 among all companies, and No. 16 among insurance companies, in its annual ranking of the 5,000 fastest-growing companies in the nation. LTCFP made the Inc. 5000 list last year, 2008, as well. Among insurance companies, LTCFP is the fastest-growing one focusing exclusively on long term care insurance sales.
Wed, 12 Aug 2009, 06:00:05 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Today LTC Financial Partners LLC (LTCFP) announces joining the 3 in 4 Need More campaign, which was launched yesterday by the LTC Guild, a social network focusing on the long-term care industry and those served by it. In its advertising and public relations, LTCFP will employ the '3 in 4 Need More' logo and other visuals, publicly available from LTC Guild, to promote affordable long-term care insurance for all Americans.
Tue, 11 Aug 2009, 06:00:10 EST
MOUNTAIN LAKES, N.J. (SEND2PRESS NEWSWIRE) -- Today the LTC Guild announces the '3 in 4 Need More' campaign to promote affordable long-term care insurance for all Americans. 'Health reform will have a big hole in it,' says Jonas Roeser, a founding member, 'if it doesn't embrace the extended-care needs of today's longer-living Americans.'
Tue, 28 Jul 2009, 06:29:50 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Beginning this Fall, business and personal travelers will hear a critical message in the nation's airports and a major airline's flights: 'Don't wait for health reform to buy long term care insurance; if you need it now, as millions do, there's much to lose if you delay.' This warning will be delivered in a four and a half minute recorded interview of Denise Gott, Chairman of the Board of LTC Financial Partners LLC (LTCFP), one of the nation's largest and most experienced long-term care insurance agencies.
Long-Term Care: The Next Big Women's Issue? Denise Gott, Predicting New Waves of Protest, Calls for Reform
Thu, 16 Jul 2009, 06:29:07 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- Long-term care is getting a lot of exposure in the current health-reform discussions, but we ain't seen nothin' yet, according to Denise Gott, Chairman of the Board of LTC Financial Partners LLC (LTCFP) - one of the nation's largest and most experienced long-term care insurance agencies. 'Wait until the most-affected individuals get wind of what's in store for them; all hell could break loose,' she says.
Mon, 29 Jun 2009, 06:00:32 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- If and when Congress passes health reform legislation, it may or may not include a public option for long-term care, the assistance with daily living required by millions suffering from long-lasting illnesses or disabilities. If you're in the market for long-term care insurance, should you wait and see what materializes? Denise Gott says no; there's too much to lose and little to gain. Gott is Chairman of the Board of LTC Financial Partners LLC, one of the nation's largest and most experienced long-term care insurance agencies.
Insurance Leader Praises Senator Kennedy for Promoting Long-Term Care Aid for All Americans as Part of Health Reform
Tue, 09 Jun 2009, 06:00:46 EST
KIRKLAND, Wash. (SEND2PRESS NEWSWIRE) -- The traditionally conservative insurance industry can come to terms with a Democratic Congress on health reform, according to one insurance leader, Denise Gott, who today heaped praise on Senator Edward Kennedy (D-MA) for his crusading efforts. 'He sees more clearly than anyone the need to reform not only acute health care, but long-term care, which affects the quality of life and pocketbooks of virtually every American family,' she says. Gott is Chairman of the Board of LTC Financial Partners LLC (LTCFP).
Thu, 28 May 2009, 06:00:53 EST
KIRKLAND, Wash., May 28 (SEND2PRESS NEWSWIRE) -- Although President Obama has called for affordable, accessible, high-quality health care for all Americans, 'There's no guarantee the legislation will bridge the long term care gap,' says Denise Gott of LTC Financial Partners LLC. 'Only about 9 million Americans, a fraction of our 300 million plus, have long term care insurance. And among those at greatest risk, 45 and older, more than 9 in 10 go uncovered. Health reform won't be complete unless Congress addresses this gaping hole.'
Mon, 09 Mar 2009, 06:25:08 EST
KIRKLAND, Wash., March 9 (SEND2PRESS NEWSWIRE) -- As the need for long term care insurance grows, agents and allied professionals face the challenge of reaching prospective clients efficiently and with a high level of professionalism. And the public faces the challenge of finding qualified agents in their geographic area. A new organization will aid the pros as well as the public: the Long Term Care Insurance Guild, or LTC Guild for short.
Wed, 28 Jan 2009, 18:30:54 EST
NASHVILLE, Tenn. (SEND2PRESS NEWSWIRE) -- Phylius Press, publisher of the leading book on how to qualify for nursing home Medicaid coverage, has announced a new affiliation with author Thomas Day of the National Care Planning Council. Mr. Day has contributed two new chapters on veterans benefits for nursing home residents to the recently published third edition (2009) of Phylius Press's flagship book, 'How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets,' (ISBN 9780979080142) by attorney K. Gabriel Heiser.
Tue, 27 Jan 2009, 06:29:58 EST
KIRKLAND, Wash., Jan. 27 (SEND2PRESS NEWSWIRE) -- While many U.S. companies cut back, one is growing rapidly and plans to keep on doing so, thank you, through 2009 and beyond. It's LTC Financial Partners, LLC (LTCFP), a leading agency specializing in long term care insurance. In 2008 Inc. magazine ranked LTCFP No. 1,353 among all companies, and No. 12 in the insurance category, in its annual ranking of the 5,000 fastest-growing companies in the nation.
Wed, 10 Dec 2008, 06:30:57 EST
KIRKLAND, Wash., Dec. 10 (SEND2PRESS NEWSWIRE) -- If you've put off getting long term care insurance, should you put it off a bit longer, anticipating the new administration's health plan? 'I wouldn't advise it,' says Denise Gott, Chairman of the Board of LTC Financial Partners LLC (LTCFP), one of the nation's most experienced long term care insurance agencies. 'Long term care has never been a part of any candidate's overall health care reform proposal, and likely never will be.'
Mon, 27 Oct 2008, 05:55:00 EST
KIRKLAND, Wash., Oct. 27 (SEND2PRESS NEWSWIRE) -- Many Americans assume that Medicare will cover their long-term care expenses, says Cameron Truesdell, CEO of LTC Financial Partners LLC (LTCFP), one of the nation's largest and most experienced long term care insurance agencies. 'But it just isn't so. The Government expects people to cover the expenses on their own -- out of pocket or through long term care insurance.'
Today's Working Adults Face Long Term Care 'Double Whammy,' Says Denise Gott, Spokesperson for LTC Financial Partners, LLC
Thu, 17 Apr 2008, 11:54:26 EST
KIRKLAND, Wash., April 17 (SEND2PRESS NEWSWIRE) -- For health reasons, Americans in the prime of life may be less financially secure than they think, according to Denise Gott, Vice Chairperson of LTC Financial Partners LLC, one of the nation's most experienced long term care insurance agencies. 'The sudden need for long term care can erode their best-laid financial plans,' she says.
Wed, 27 Feb 2008, 07:16:08 EST
KIRKLAND, Wash., Feb. 27 (SEND2PRESS NEWSWIRE) -- If you suddenly have to care for an incapacitated parent or spouse, the impact can be life-changing. Rising care costs can devour your estate or inheritance. And your loved one's daily needs can make you into a full-time caregiver. 'But it doesn't have to be that way,' says Jonas Roeser, Senior Vice President of Marketing & Operations for LTC Financial Partners.
The Long Term Care Insurance Explosion; January Conference to Celebrate Rapid Growth of LTC Protection and Light Fuse of Further Expansion
Wed, 19 Dec 2007, 17:27:52 EST
KIRKLAND, Wash. and CHARLESTON, S.C. - Dec. 19 (SEND2PRESS NEWSWIRE) -- LTC Financial Partners, the nation's most experienced long term care insurance brokerage, has more than quadrupled in size since 2005, to more than 400 field underwriters and support staff. That just one sign of what's happening in the long term care insurance field, in the company's experience.
Fri, 14 Dec 2007, 00:00:10 EST
KIRKLAND, Wash. - Dec. 14 (SEND2PRESS NEWSWIRE) -- As Americans increase their life spans, many eyeing 100-plus, the odds of needing long term care increase. One solution is long term care insurance to pay the care bills. 'A better solution,' says Cameron Truesdell, CEO of LTC Financial Partners (LTCFP), 'is the insurance plus health habits to keep yourself on your feet as long as possible.'
Thu, 01 Nov 2007, 17:31:16 EST
KIRKLAND, Wash. - Nov. 1 (SEND2PRESS NEWSWIRE) -- Now there's a week, November 4-10, devoted to thinking about an issue many Americans put out of mind: the possibility of needing long term care someday. 'Nobody likes the idea of being incapacitated for an extended period,' says Cameron Truesdell, CEO of LTC Financial Partners, the nation's most experienced long term care insurance brokerage, 'but it's smart to plan ahead.'
Long Term Care Newsletter Debuts, Published by LTC Financial Partners; Advice on Living Better, Not Just Longer, with Financial Protection
Mon, 22 Oct 2007, 15:00:00 EST
KIRKLAND, Wash. - Oct. 22 (SEND2PRESS NEWSWIRE) -- Now there's a newsletter for people who will probably need long term care someday, but want to stay healthy, happy, and solvent as long as possible. The first issue of 'Caring is Sharing,' to be published quarterly, debuts November 1. By promoting healthy lifestyles and good planning, the 8-page newsletter seeks to extend the vital years while protecting financial assets subject to healthcare drainage.
LTC Financial Partners (LTCFP) Engages CareScout to Bring Comprehensive Long Term Care Solutions to LTCFP Clients
Wed, 10 Oct 2007, 15:16:00 EST
KIRKLAND, Wash. - Oct. 10 (SEND2PRESS NEWSWIRE) -- For the first time, comprehensive information on long term care providers plus information on how to pay for it will be available from a single source: a national network of 380-plus long term care specialists. Today, LTC Financial Partners (LTCFP), the nation's most experienced long term care insurance brokerage, announced a partnership with CareScout, creator of the first quality-of-care ratings on nursing homes and home health agencies in America.
Wed, 26 Sep 2007, 14:53:00 EST
KIRKLAND, Wash. - Sept. 26 (SEND2PRESS NEWSWIRE) -- Long term care insurance, once a bit player in the health insurance field, is now entering center stage thanks to influential backers: states like California, Connecticut, Indiana and New York. These four are the original long term care partnership states, now joined by many others.
Wed, 27 Sep 2006, 15:26:00 EST
KIRKLAND, Wash. - Sept. 27 (SEND2PRESS NEWSWIRE) -- In a doctor's office near you, look for facts on a matter of growing concern, long term care insurance. Starting today, informative waiting room displays are being supplied to physicians by LTC Financial Partners LLC, the nation's most experienced long term care insurance brokerage.
In Kansas City Event, Long-Term Care Pioneers Will Challenge Leaders to Create Affordable LTC for All
Thu, 13 Oct 2005, 17:19:00 EST
KANSAS CITY, MO - Oct. 13 (SEND2PRESS NEWSWIRE) -- As the nation approaches a financial and healthcare crisis, pioneers of long-term care protection are preparing to act. They will state their intentions, and invite political leaders to do the same, at a briefing in Kansas City on October 17. 'The problem,' says Cameron Truesdell of LTC Financial Partners, one of the pioneers and host of the event, 'is a widespread lack of proper long-term care protection, which threatens to bankrupt the states, Uncle Sam, and millions of American families.' He is CEO of LTC Financial Partners LLC, America's leading LTC insurance brokerage.
Cameron Truesdell, CEO of LTC Financial Partners, Challenges Leaders to Address Bold Objective: Affordable Long-Term Care for All
Wed, 12 Oct 2005, 11:12:00 EST
KIRKLAND, WA - Oct. 12 (SEND2PRESS NEWSWIRE) -- On October 17 in Kansas City, change-makers will answer an all-important question: 'How can we make long-term care protection as common as auto insurance ... so no American risks financial ruin from longer-lasting health needs ... and government doesn't go broke trying to fill an unfillable gap?' The question will be posed by Cameron Truesdell, CEO of LTC Financial Partners LLC, the nation's leading insurance brokerage specializing in long-term care and representing multiple carriers.
Correction: U.S. Senator Kit Bond (R, MO) and Buck Stinson of Genworth Financial Are Not Scheduled to Appear in Kansas City Briefing Hosted by LTC Financial Partners
Tue, 11 Oct 2005, 19:20:00 EST
KANSAS CITY, MO - Oct. 11 (SEND2PRESS NEWSWIRE) -- On October 17 in Kansas City, leaders from business and government have been invited to express their views on bringing long-term care insurance protection to more Americans. The briefing, designed to spark public awareness, is hosted by LTC Financial Partners LLC, the nation's leading long-term care insurance brokerage representing multiple carriers
Featuring U.S. Senator Kit Bond (R, MO), Oct. 17 Briefing Will Address Bold Objective: Affordable Long-Term Care for All
Fri, 07 Oct 2005, 12:41:00 EST
KIRKLAND, WA - Oct. 7 (SEND2PRESS NEWSWIRE) -- As 77 million baby boomers approach retirement and most Americans enjoy longer life spans, a time bomb ticks. What happens when tens of millions succumb to longer-lasting illnesses or injuries? Regular health insurance won't cover it. Uncle Sam doesn't want to. State-run Medicaid does contribute to long-term care expenses -- for the indigent. But Medicaid costs are ballooning to the breaking point. Family assets are commonly tapped, but soon run out except for the very wealthy. So who's going to protect longer-living Americans, so they can bounce back from down time without somebody going broke?
NOTICE: The content of the above press releases were provided by the "news source" for each news story, who is solely responsible for its accuracy. Send2Press® is the originating wire service for these stories with newswire copies Copr. © Send2Press (a service of Neotrope). All trademarks acknowledged. Send2Press does not represent the companies found above and for questions or comments you must contact those companies directly.
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text: We stayed a weekend and had a great time. Sitting on the dock by the water was so relaxing. The pool was so refreshing and fun and close by the cabin. We stayed in 110 and would try to get 114 or 115 for a better water view next time. The new owners are so friendly and make your stay... More


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The five weekly sessions are delivered by the Charity's Education Team in a bid to improve animal welfare and to empower young people with the skills and knowledge to become responsible pet owners in the future.
The sessions have recently taken place at St Helens Primary School in Bluntisham and Glebelands Primary School in Chatteris and now the Charity is urging other schools to sign up.
The first four weeks look at the basic needs of caring for guinea pigs, rats, mice, gerbils, hamsters, rabbits, dogs and cats. The final week looks at the importance of sexing and neutering pets, micro chipping, annual vaccinations and understanding why providing flea and worm treatment is important to keep a healthy and happy pet.
Education Assistant at the Charity Claire Parsons said: "The aim of the five week clubs is to educate young people in animal welfare and to give them the skills and knowledge they need to become responsible pet owners in the future through fun, interactive and exciting animal activities.
"Each week the club takes a different theme and covers everything a pet owner needs to know about rodents, rabbits, guinea pigs, cats and dogs, with lots of real animals – big and small - going along to help the children learn."
For further information about Pet Care Clubs or other education services please call Anna Cowling on 0844 248 8181 ext 1311 or email anna.cowling@


text:
About Us
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Tropical Storm Claudette 1979
Claudette was first detected as a tropical wave that moved off the African coast on July 11. The wave spawned a tropical depression on July 16 that briefly became a tropical storm the next day as it approached the Leeward and Virgin Islands. Claudette weakened to a tropical depression and then a tropical wave while passing near Puerto Rico on the 18th, and little re-development occurred until the system moved into the southeastern Gulf of Mexico on the 21st. Claudette regained tropical storm strength over the western Gulf on July 23 and made landfall the next day near the Louisiana-Texas border. It made a slow loop over southeastern Texas on the 24th and 25th, followed by a northward motion into Oklahoma on the 27th. The remnants of Claudette turned eastward and merged with a frontal system over West Virginia on July 29.
Claudette produced tropical storm conditions along portions of the Texas and Louisiana coasts, but the storm will be most remembered for its rainfall. Widespread amounts in excess of 10 inches occurred over portions of southeastern Texas and southwestern Louisiana, with several local amounts in excess of 30 inches. An observer west of Alvin, Texas reported 43 inches in 24 hours, which is a United States record for 24 hour rainfall amount. The storm total at that location was 45 inches. The rains produced severe flooding that was responsible for one death and $400 million in damage. The storm also produced heavy rains over portions of Puerto Rico that were responsible for one death.
Tropical Storm Claudette Track and Path
Tropical Storm Claudette Pictures
Hurricane History .org
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Android Fans438 members Hardware & Tech
If you are a Android user, lover, developer... don't wait, join us!
I love My Family n Friends so dont hurt them ok and ya i love animes n drawing also of course mangas too and spport n i love music too its my life MY family touch them then ur dead
If you are a Android user, lover, developer... don't wait, join us!
This group has been formed to gather the people who enjoy Japanese anime and all of its facets, to salute the people from the land of the Rising Sun.
Join this group if you are a big fan of the Battlefield series by EA/Dice!
If you really like the battlefield series of the pc you can one us for the latest news and mods for battlefiel 2/2142 and other if you like. everyone...
if you love bf2 and want to show that you do you should really join this group
A group for any fans of Command & Conquer Generals
This group contains a lot of stuff of the C&C community. Mod news, game screen shots and C&C humor(funny c&c moments). Join us if your a great...
This is a group for everyone who likes cats, and wanna have a look at some cute/funny cats.
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hello there ^^
(ノ◕ヮ◕)ノ・゚✧・゚✧ Happy Easter!!! •◡•
how you do gundam32?
bro,tahu modding Zero Hour atau C&C 3 x??
bro kau taw macamne nak wat mod tok ZH?
x tahu bro,bro tahu x???x pun ada kawan2 bro yg tahu ke modding??
hello !
salam bor ^_^ ok bro XD
i ok bro ...
i man o like animes


text: First Vision, Dental Screening Ever for Athlete from NigeriaKarl Hejlik | أبريل 18, 2013 | Africa: Nigeria Thanks to the 2013 Family Support Health Forum held March 9 at the Wesley School for the Hearing Impaired Children in Surulere, Lagos, thirteen-year-old Yusuf Olaleye received free sunglasses and a dental exam - the first time in his life he had ever seen a dentist or eye care professional. "I am very grateful," his mother said. Mrs. Olaleye also said she benefited greatly from the nutrition information provided at the forum. "I learned a lot about food and diet, and discovered things I never knew before. I got to know that as parents we are not to force our children to eat just anything. We must ensure a good, balanced diet in all their meals," she said.


text:
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The king of rock and roll, Elvis was one of the best-selling artists in the history of pop music. Kids may not know the Elvis of old so print this photo of a great musical legend.
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After a stunning podium result at the opening round of the UIM F1 World Championship, Bob and David Trask went into the second round of the 2008 series with justified optimism.
Bob Trask in action. Photo: http://www.bobtraskf1.com
Following the opening round at Qatar, the back room engineers at Trask Brothers Racing in Brisbane had made significant advances on the Mercury race engines. Season 2008 was to be all about more speed with greater reliability in the charge to be the world Formula 1 champion.
At the GP of Portugal, staged at the scenic seaside town of Portimao, Dave Trask stamped his authority from the outset during practice. In the first qualifying session Dave was in second place and ultimately qualified for the top six shoot out. Bob Trask qualified in 14th place in the field of 22 starters.
The TBR campaign took a turn for the worse when the pit crew discovered hull damage to Dave's GTR hull. While the problem could be rectified overnight, Dave Trask had no option in the shoot out but to cruise around the course to avoid further damage.
Race dawned sunny and calm. With the Trask Development Corporation boats lined up in sixth and fourteenth place, the team were still confident of performing well.
David Trask blasted off the start dock like a man entirely focussed on being at the front of the pack. Bob Trask got away to a bad start with his boat being bashed and knocked in the pack.
Out front though, David Trask in the #4 TDC boat was in third place from the commencement of the first lap. For the ensuing 24 laps, David Trask was all over the back of American Jay Price trying to find a way past.
'I just drove as hard as I could putting as much pressure on Jay,' David Trask said. 'Every time he looked in his mirrors he saw me and was driving just as hard to hold me out of second place.'
With barely a second between David Trask and Jay Price, (and then another two seconds ahead to the race leader) disaster struck the TDC challenge when Dave Trask experienced a complete engine failure.
'It just let go and we stopped – end of race!'
With the #4 TDC boat on the race line, the disabled yellow flags came out while a dejected David Trask was towed off the course.
When the flag dropped and the GP resumed, it was left to Bob Trask to take up the challenge working his way through the field. At the completion of the mandatory 55 laps, Bob Trask crossed the finish line in ninth position to score his first lot of points in the 2008 UIM F1 World Championship series.
'While I am very happy to have finished amongst the points, we are also disappointed for Dave.' Bob Trask said back in the pits.
'He was right on target for a top three finish at worst, but more than likely better than that. But racing is a tough game and while we are disappointed we have to go back to Brisbane to re-group, learn from the experience and front up in Finland with a package that will do the job.'
At the completion of two rounds, David Trask is in equal fourth position on the Drivers World Championship Points table, Bob Trask is in 15th position.
The next round of the 2008 UIM F1 World Championship is to be contested in Finland on June 8th.
Trask Brothers Racing will be contesting the next round of the Australian F1 Superboat series to be conducted at Toukley NSW on May 25th.
David Trask. Photo: http://www.bobtraskf1.com


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TOS Enterprise - function of warp nacelles' caps?
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January 7 2013, 08:52 PM
Location: Houston, we have a problem...
Re: TOS Enterprise - function of warp nacelles' caps?
Considering all of the recent theoretical concepts about a "real" warp drive - there would be a build-up of charged particles along the leading edge of the field and those particles could be a serious threat to any life present in a system such a ship entered.
While Matt didn't know anything about that back in the 1960's - to me, he looks rather prescient. Maybe they clear those particles off of the field and send them on through to the back end of the field to bleed off into space harmlessly?
"I've always said you can get more with a kind word and a two-by-four than you can with just a kind word." - Marcus Cole, Babylon 5
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text: Hi all, I know that albumins function as a transport protein for drugs, hormones and fatty acids. My question is, what happens to these albumins when they are saturated? Do they slowly release their bound components over time? Or are the albumins eliminated from the body so that new ones are produced to replace them? Many thanks, Jay


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Moody Foodie
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This page has been viewed 54 times this month, and 684 times total.
Moody FoodieMoody Foodie (2012) Season 2 Episode 2ASA06- Bob's Burgers Cartoon Episode Guide by Dave Koch
This page has been viewed 54 times this month, and 684 times total.
- Bob's Burgers Cartoon Episode Guide
- 20th Century Fox Television, Bento Box Entertainment, Wilo Productions, Buck & Millie Productions
- Distributed by: Fox Television Network
- Cartoon Characters: Bob, Tina, Gene, Linda, Louise, Mr. Fischoeder, Charac, Mort, Kevin Costner, Mike, Customer, Teddy, Pepe, Moody Foodie, Reggie, Tran, Kathy, Cynthia.
- Originally Released in 2012.
- Season: 2
- Color
- Running Time: 30 minutes.
Cartoon Summary:
When the restaurant receives a bad review from a food critic, the Belchers fear that the negative press will keep customers away. When Bob shows up at the critic's house for a redo, his plan quickly spirals out of control when the kids and his fellow restaurant owners show up to support him.
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Do you have anything to add to this page? Have we made any mistakes... or do you ahve any additional information about Moody Foodie? If so, we would love to hear from you. Please send us a quick note with your additions or corrections to this page, and we will make the corrections as soon as possible!Report Errors / Submit Additional Information
Cartoon Comments:
Do you love Moody Foodie, or do you think it is the worst cartoon ever? Let us know what you think! Surely you have an opinion... so share what you think. Take a minute and post your own comments about this cartoon here.


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11 Comments
voted 1
Thanks, I appreciate it
Lovely colors and looks awesome on the tee shirt, love the wrap-around… +1
nice pic ) +1
dandingeroz Artist from Philippines
nice work!
m00njaguar Human from
one of my favorite sea creatures- nicely done!
Thanks everyone!
Love this one, +1
Cool concept
TalkingWigHead Human from
Works on the shirt way better than I thought from the thumbnail. :) +1
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text:
For optimal performance of MERLOT functionality, use IE 9 or higher, or Safari on mobile devices
The author puts forward a strong case on the cost of buying text books in an American scenario. The situation is replicable in other developed countries and certainly worse in the developing world.
Technical Remarks:
basic computer use.


text:
The term 'intrinsic style' is not defined. A definition could lean on the description of the override style:
"The getOverrideStyle method provides a mechanism through which a DOM author could effect immediate change to the style of an element without modifying the explicitly linked style sheets of a document or the inline style of elements in the style sheets. This style sheet comes after the author style sheet in the cascade algorithm and is called override style sheet. The override style sheet takes precedence over author style sheets. An "!important" declaration still takes precedence over a normal declaration. Override, author, and user style sheets all may contain "!important" declarations. User "!important" rules take precedence over both override and author "!important" rules, and override "!important" rules take precedence over author "!important" rules."[1]
[1] http://www.w3.org/TR/DOM-Level-2-Style/css.html#CSS-DocumentCSS
Relevant: http://dev.w3.org/csswg/css3-cascade/
One suggestion was to use "non-animated style" or some such phrase instead of "intrinsic style". Another was to use Static Style / Animated Style in that diagram.
Fixed prose per http://lists.w3.org/Archives/Public/www-style/2014Sep/0178.html.
Removing sandwich diagram.


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The 43-year-old Austrian plunged to Earth from an altitude of about 96,640 feet (29,450 meters) - more than 18 miles. He landed safely near Roswell, New Mexico.
It's the second stratospheric leap for "Fearless Felix." He's aiming for a record-breaking jump from 125,000 feet (38,100 meters), or 23 miles, in another month.
He hopes to go supersonic, breaking the speed of sound with just his body.
Longtime record-holder Joe Kittinger jumped from 102,800 feet (31,330 meters) in 1960 for the Air Force. Kittinger monitored Wednesday's test jump.
Baumgartner ascended in an enclosed capsule lifted by a giant helium balloon. He wore a full-pressure suit and used parachutes.
NASA is paying close attention to his project.