Tyrone

Many seniors who have been fortunate enough to accumulate some wealth in their lifetime worry that it could all be taken away by a single, prolonged stay in a nursing home. They are right to be concerned. According to the American Association of Homes and Services for the Aging, a private room in a nursing home now costs $74,806 per year. And since Medicare does not cover extended nursing home stays, a few or even a couple of years in a nursing home could deplete a lifetime of savings and investments.

One solution is long term care insurance. The trouble is that the premiums tend to be high. Even if seniors can afford the premiums, many have a hard time justifying the expense. After all, there is no guarantee that they will ever need long term care. Why use part of a fixed income to pay for something that will never be used?

One possible solution that seniors might find more acceptable is a single-premium life insurance policy with a long term care rider. The fact that it is a life insurance policy guarantees that it will be used at some point. The long term care rider offers flexibility of benefits should the policyholder ever need full-time nursing care.

As the name implies, single-premium life insurance is paid for upfront with a lump sum. The face value, or death benefit, is larger than the premiumtwo or even three times larger. A single-premium life insurance policy offers a guaranteed return and can never be canceled for missed payments, since all the payments are made at the outset. Since most states do not tax life insurance benefits, the death benefit can be distributed among the heirs with little if any estate tax liability.

The single-premium life insurance policy can be structured to allow for tax-free access to the death benefit to pay for long term care insurance. With a long term care rider, the money can be withdrawn gradually to pay for a nursing home care or full-time in-home nursing care. If the policyholder dies before all of the death benefit is spent, the remaining benefit will pass to the beneficiaries.

By marrying a definite use (life insurance) to a possible use the single-premium life insurance policy offers the practicality and the flexibility that can help seniors protect the wealth they have spent a lifetime accumulating.

Bradley Steffens is the author of twenty-one books, coauthor of seven, and editor of the 2004 anthology, The Free Speech Movement. His Censorship was included in the 1997 edition of Best Books for Young Adult Readers and his Giants won the 2005 San Diego Book Award for Best Young Adult & Children's Nonfiction. His latest book is Ibn al-Haytham: First Scientist, the world's first biography of the eleventh-century Arab scholar known in the West as Alhazen

Have you noticed the feeder site or mini-site craze?

This is a traffic generation strategy where you create mini websites that feed targeted traffic to a primary "money" site... meaning, your core website that earns revenue for you and your business.

Feeder site example: Your core website is a financial investing tips website along with ebooks and pay per click ads on the site for revenue creation. You would create 5 mini-sites that are more granular than your core site (in this example, perhaps stocks, personal finance, mutual funds, college savings accounts, etc) and attempt to attract traffic that would deliver qualified traffic to your "money" site.

Should you build feeder sites? No.

Why?

Because you can get a much higher return and widen your reach by investing your time in writing hundreds and then thousands of articles that you put into syndication / distribution. Share your expertise with others and you'll be rewarded with quality traffic back to your site.

The net effect will be better because rather than having 2-10 feeder sites sending traffic to your 'money' site, you'll have hundreds and then thousands of websites sending your qualified traffic to your website.

Search engines frown on feeder sites because they (just like you and I) don't like to be 'gamed'. You can actually protect your search engine friendly reputation by not engaging in thinly-veiled feeder sites.

Article Syndication vs. Feeder/Mini-Sites Bottom line:

Feeder sites are not necessary.

Writing and distributing thousands of quality original articles is necessary if you want to achieve better targeted traffic creation results.

Go deep and think bigger. You can write and distribute thousands of articles before the year is over. Those who say it can't be done are often investing their time in defending why it can't be done vs. those of us who are doing it and know it is possible. You can do it too! :-) Put on your writing cap, get a plan, set an article writing volume goal and get started today.

About The Author:

Christopher M. Knight invites you to submit your best quality original articles for massive exposure to the high-traffic http://EzineArticles.com/ expert author community. When you submit your articles to EzineArticles.com, your articles will be picked up by ezine publishers who will reprint your articles with your content and links intact giving you traffic surges to help you increase your sales. To submit your article, setup a membership account today: http://EzineArticles.com/submit/

(c) Copyright - Christopher M. Knight. All Rights Reserved Worldwide.

A persons first instinct when they first are diagnosed with mesothelioma (or any cancer for that matter) is either depression and/ or panic. Its an uphill battle. Everyone says that. Everyone is mourning something lost, when the person in question is not lost.

In fact, it could be the beginning of a challenge of a life-time. Although there is never a comfortable battle in any war, there is always a battle. And that means there is always a winner or a loser. Why not set out to be a winner?

If you or a loved one has been diagnosed with mesothelioma, you are not alone! There are hundreds upon hundreds who suffer from this cancer, and they are fighting the good fight! There is not a single cancer on the face of the earth that has not had at least a few survivors. How encouraging would it be to be one of those few - able to rally the rest of the sufferers around you and tell them that there is hope!

To muster this courage, think of all the things you have to live for! Dont dwell on the things that are at hand, the discomfort, the anxiety. Focus on the future. Regardless of your religion, faith is a law that not even scientists can prove how it works. Faith is believing in what is unseen. It is the hope in the unfathomable - this makes the goal real; the mountains become mobile because of faith.

Every action you have must burn with this faith that you will be around for those designated things that you know you have to see happen. Is it grandchildren? You dont see them NOW but they will be there! Is it your grand-kids graduation? Ditto! These are things you must focus on, press forward toward. This will give you the courage to conquer your battle of mesothelioma, and you will come out the victor. I believe in you.

If you need more information on mesothelioma, legal options, and mesothelioma treatment, go to http://bestmesotheliomainfo.blogspot.com.