A research states that 70% of people above the age of 65 require long-term care insurance for an average period of three years. People may get 80% of this long-term care at home. Besides home, the other places which fit the eligibility criteria are nursing homes, assisted living facilities, adult day care centers, and continuing care retirement communities.
However, you must remember that a long-term care insurance policy differs and depends from one individual to another since their grand scheme of retirement planning and the importance they give to the policy may be different. The state of health and where you live also determines the cost and time period for which the policy is required. It is a must to consider inflation protection while planning for the policy, which will then determine whether you should go for a traditional one or a hybrid-link benefit policy.
Traditional policies are generally ‘standalone’ and ‘pay-as-you-go’ ones in which premiums may be renewed for sure. They are affordable and are tailored as per the customer’s requirements. However, the advantage of hybrid ones is you need to pay the premium just once. Also, from the outset, customers may select the benefits such as the monthly amount and time period of the same. The policy may also be linked to extra insurance benefits such as an annuity or an already existing life insurance policy. It offers a money-back guarantee for sure, should a long-term care policy not be required anymore.
As a result, an individual must know and be confident of what it is that are they looking for while finding and comparing long-term care insurance online quotes. There are chances that different insurance policies describe the same benefit to be gained in a different manner, perhaps for marketing purposes. For example, the inflation protection option that Genworth Financial provides is called Guaranteed Purchase Option, which is also known as Benefit Builder by John Hancock.
Besides Genworth, the most reliable companies, when it comes to long-term care insurance quotes online, are Mutual of Omaha, Pacific Life, Lincoln Financial Group, One America, and Securian. There are websites that provide customers the knowledge as well as the options to compare quotes from different companies in different states free of cost. These websites also take into consideration your individual requirements so that the plans may be customized.
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3 amazing Bose Bluetooth speakers for audiophiles
Read moreWhether it’s thumping bass or massive decibel levels, Bluetooth speakers are functional and practical. If you find yourself traveling a lot and needing a durable set of speakers, you require a Bluetooth enabled system.
Bose is known for its high quality audio electronics, and with sturdy builds, awesome clarity, and intense sound quality, Bose Bluetooth speakers are at the top of the product lineup. They are the very best of industry standard Bluetooth speakers for phones and media devices. Here are the top three Bose Bluetooth speakers for audiophiles.Bose SoundLink Mini II
What’s synonymous with portability and hands-free calling? That’s right, the Bose SoundLink Mini II. With exceptional sound clarity and quality, the Bose SoundLink Mini II will give most Bluetooth speakers a run for their money. You can take this anywhere you go, slip it into your pocket and you’re ready to go. The hands-free calling feature comes in handy whenever you don’t feel like dragging out your phone for calls. The sound quality is amazing and most people refer to it as portable audio in a box. It’s sold for a retail price of $199.95 in most stores.Bose SoundLink Color
The smallest of the SoundLink models, the Bose SoundLink Color is another great addition to the range of Bluetooth speakers. It’s compact, easy to set up, and can fit into your bag easily. It weighs only 1.25 pounds, and is a streamlined square shape. It’s lightweight, and it pairs with Bluetooth devices easily. This brings us to the next point: it’s great in terms of compatibility. If you’ve ever wanted Bose Bluetooth speakers with rich bass levels, amazing sound clarity, and super sound quality, the Bose SoundLink Color is for you.Bose SoundLink III
If you thought the SoundLink series ended with a the Color and Mini II, then think again! Meet the SoundLink III, the ultimate starter in the Bose SoundLink lineup. With a larger size and a more in-depth bass level, the Bose SoundLink III is not your ordinary Bluetooth speaker. It’s large, portable, and can be used with both home entertainment systems as well as on the go. It’s priced at $299.95 and you can sing along for up to 14 hours on a full charge. If you’ve ever wanted a pair of Bluetooth speakers that would last for long hours, can blast music loudly, and give you the best value for your money, then the Bose SoundLink III is the ultimate choice.Now you’ve got the run down on the best options in Bose Bluetooth speakers. Depending on your needs, you can now choose what suits you best and enjoy the best quality sounds!
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Guide to Buying a Flat-Screen TV
Read moreThe living room is incomplete without a TV. With television technology growing leaps and bounds, TV viewing experience has reached new heights. There is a wide choice of flat-screen TVs that offer superior picture quality. That is why it can be confusing to select the best TV for your home. Here is what you need to consider when you decide to buy a TV for your home:
Room size
Factoring your budget, the TV screen size must be in sync with your room size. Bigger sized rooms can accommodate big screens, as big as 65-inch flat screen TV, whereas if the size of your room is small, you may have to settle for a smaller screen, say a 32 inch or a 40 inch TV.
Display type
When you choose to buy a flat-screen TV, you have a choice of 3 displays; LCD, LED and Plasma. While Plasma TVs offer the highest resolution with excellent picture quality, they are very expensive. Panasonic, LG and Samsung manufacture Plasma flat screen TVs. Plasma TVs have a bigger screen size—42 inches, 65-inch flat screen TV and many in between. When it comes to affordability, LCDs fit the bill. You can find LCD flat screen TVs in smaller screen sizes—42 inches and less. Suitable to be installed in bright rooms and consuming less power, LCD TVs, however, offer minimum viewing angles. LCD flat screen TVs are the popular choice and a number of brands offer LCD flat screen TVs at competitive prices. LED TVs are similar to LCDs, but with added backlighting. They are energy efficient compared to LCD TVs and have super thin panels with better picture quality. The colors are vibrant. Of course, when it comes to picture quality, nothing can beat the Plasma 65-inch flat screen TV.
Best flat-screen TVs
With myriad choices of flat screen TVs, it is indeed tough making a buying decision. Here is the list of the best and top rated flat screen TVs.
Vizio M701d-A3R
This is a high definition smart TV that features an improved user interface. Being a smart TV, it offers internet connectivity, enabling you to access a multitude of online apps. The TV delivers full HD viewing in high resolution, with its 3D technology offering cinema-like quality. The refresh rate at 240Hz eliminates blurring and as a viewer what you get is unparalleled, crisp and rich viewing experience.
LG47LN5700
One of the best in 65-inch flat screen TV, this smart TV offers excellent internet connectivity enabling you to streamline content of your choice. Whichever external device you choose, this smart TV offers seamless access. There is also the option to personalize the dashboard. So, your favorite channels can be easily reached. What you get from this TV is an excellent 1080p resolution in high definition. This LED flat screen TV comes with inbuilt Wi-Fi technology allowing you access to NetFlix, Amazon Videos, YouTube and Hulu Plus. On top of all these standout features, there is also an intuitive magic remote. With this remote, you can use gestures and voice to control the video content.
Samsung UN40EH5000
Coming from the home of the most trusted name in electronics, this LED 65-inch flat screen TV scores high on the green factor. The components used do not harm the environment. It is energy efficient as well. When it comes to picture clarity, nothing can beat this Samsung model. The Eco light sensor gets in the auto-configuring mode to tune the picture quality according to the levels of brightness in the room. If high action movies are your choice, this TV features Clear Motion Rate 120 that nullifies the blurriness. It also features a USB connection enabling you to view photos and play music and movies directly on the TV.
You can fulfill your entertainment needs by buying a quality 65-inch flat screen TV. Choose the best, sit back and enjoy the visual treat.