Article: Unlike regular health insurance, long-term health insurance is designed to pay for long-term care, which may include nursing home care, in-home care or medical equipment. When evaluating long-term health insurance polices, you should carefully select a policy that covers nursing home care if you reasonably believe that you will not have someone to care for you at home should you fall ill and become unable to care for yourself.  It is best to acquire long-term health insurance when you are younger and in good health. As you get older, long-term health insurance becomes much more expensive and many seniors are either unable to afford or qualify for a policy. Another way to pay for nursing home care is to cash in your whole life insurance policy. Certain policies allow policyholders to cash in their insurance policy for 50 to 75 percent of the face value of the policy.  Keep in mind that this is only an option for whole life policies, not term life policies where there is no cash value. Depending on your individual life insurance policy, there are two ways that you can cash in your policy: accelerated benefit or life settlement. If you qualify for an accelerated benefit, the insurance company will pay between 60 and 80 percent of the face value of the policy. Under certain policies, you may have to be suffering from a terminal illness in order to qualify for an accelerated benefit. A life settlement is a policy payout that you negotiate with an outside company not the insurance company that issued the policy. These settlement companies look at the value of your policy, your age, and your health and pay you between 40 and 75 percent of the face value of the policy. Depending on the health and age of an individual, it may be possible to sell some term policies. Before negotiating a life settlement, you should speak with an elder law attorney as there may be tax and Medicaid implications from receiving the proceeds of the policy through a settlement company. While Medicare does not pay the cost of long-term nursing home care, you may qualify for a certain portion of the stay if you were transferred to a nursing home within several days of a hospital stay and you require skilled nursing or rehabilitative care. If you go to a Medicare-approved facility, your stay may be covered for up to 100 days. Medicare will also pay for in-home care for a certain period as well. This coverage may help if you are trying to reduce assets or do not physically require full nursing-home care.
Question: What is a summary of what this article is about?
Purchase long-term health insurance. Cash in your life insurance. Check Medicare benefits.
Article: Ask yourself, “Why am I giving this speech?” “What am I trying to say by presenting this speech?” Often, the main purpose of a keynote speech is to reiterate or explore the theme of an event, program, or conference. You may also have knowledge about the theme that you can share in the keynote. If there is a theme of the event, you may use this as your purpose or inspiration for the speech. For example, if the theme of the event is “Social Responsibility,” the purpose of your speech may be to explore your experiences with social responsibility on a professional and personal level. Ask yourself, “Who am I speaking to?” “Who is my speech meant for?” Think about the age range of the audience as well as their background and level of expertise. Tailor the speech to suit the audience. For example, if your audience is within an age range of 20-30 and are social responsibility advocates, you may make the speech light, engaging, and full of specialized language that you know your audience will understand. A good keynote speech will have at least one to two key points, or takeaways, that the audience can engage with. Write down one to three key points that expand on the main purpose of your speech. These could be one to three terms that you are going to discuss in detail, or one to three ideas. For example, if you are writing a speech around the theme of social responsibility, you may focus on three key points: the history of social responsibility, the current state of social responsibility, and where social responsibility is headed next. To get a better sense of the style, tone, and language of a keynote speech, read good examples online. You can look at a list of the top keynote speeches online or search for keynote speeches presented on popular public speaking sites, like TedTalks. You can find the top keynote speeches of 2016 at https://www.bigspeak.com/best-keynote-speakers-of-2016.
Question: What is a summary of what this article is about?
Determine the purpose of the speech. Identify the interests of your audience. Come up with one to three key points for the speech. Read examples of keynote speeches.
Article: Unless otherwise listed, it is likely to charge an inactivity fee of approximately $2.50 per month after the first year. This way you will know how much you can spend with the remaining balance. Bring it to the till when you are done. They will swipe it like a credit card and deduct the purchase price. You won't be charged an inactivity fee that month if you have used it.
Question: What is a summary of what this article is about?
Use your retail gift card at a location within one year of when it was purchased. Ask a store clerk to check the balance on your gift card. Acquire your merchandise. Hand the clerk your gift card after they ring up your merchandise. Take your card back if you have a remaining balance. Give up empty gift cards to the clerk unless you plan to refill it.