Omega Files

Want to live life on your own terms, where there are no 60 hour work weeks, no demanding bosses to report to, no sales target to meet? Do what you love to do. Work your own schedule? Spend quality time with family and friends, enjoy, have fun, yet your bank balance increases daily?

If you answered yes, then home based business is for you. And the best home based business today is Prosperity Automated System (PAS), bar none! PAS is 100% Automated Home Based Business where you enjoy up to 7 streams of income working just 9 minutes per week and earn up to $3000 per sale!

Is this for real?

Think Prosperity Automated System hype? Too good to be true? Burnt your fingers with business opportunities, which promised you the sky but fail to deliver?

I also felt the same about Prosperity Automated System when I first heard about it! Then I realized hundreds of people like me are making a fortune with PAS. I checked out practically every home based opportunity and found PAS is the only one that met ALL the criteria that I was looking for:

A reputable company

A Unique product

Sold a “big ticket item” so I could make $3000 per sale instead of $30 per sale

Provided a passive income stream for life

Besides, PAS has been featured in many national home based business magazines. PAS is also going to be featured in Discovery and CNN channels for their ground-breaking success and transparent business policies.

A little time and an open mind. That’s what you need to invest to grasp the power of this amazing opportunity.

How does PAS work?

Prosperity Automated System takes care of all your business needs – finding out the right customers, calling them up, following up with them, closing sales, etc. It’s like a full fledged virtual back-office that manages all you marketing efforts. No wonder, PAS has been labeled as the ‘Best Self Promoting Multi-Income Marketing Tool in The Market’!

How does PAS work if you are doing literally nothing?

It’s simple, dude! PAS’s automated system provides you with a full fledged internet back-office. From an integrated website to internet marketing and mailing you the checks, it does everything. It also takes out the pain of calling up your prospects and explaining them the benefits of the automation system.

The only thing you have to do is be patient, for the check to come to you.

So what does Prosperity Automated System offers you?

Uninterrupted cash inflow, resulting in unlimited financial and time freedom

Quality time that you can spend with your family and friends

Freedom to indulge in your hobbies/passion

Living the life on your own terms – KINGSIZE

In Summary, Prosperity Automated System is a spectacular home based business concept that ensures unlimited financial security and personal freedom. It is a opportunity where anyone can succeed – even your grandmother! You cannot fail with PAS even if you tried!

James Busienei is a home based business owner and mentor who has achieved solid financial success in a comparatively little time. Check out www.passiveincomeforyou.com to learn more about Prosperity Automated System (PAS). He can be reached at busienei@gmail.com. He replies to all his emails personally. To learn more about Prosperity Automated System check out www.theultimatepas.com

A rapidly increasing number of Britons is putting their travel insurance at risk by booking different parts of their trip separately, a new study carried out by Marks & Spencer (M&S) Money has recently revealed.

According to the research, an increase in internet availability and usage is responsible for the new numbers: an entire half of British holiday makers book their travels independently instead of using a travel agent. But the drawback of shunning the traditional package holidays is that travel insurance policies may not cover all aspects of an individually booked trip, says M&S.

Commenting on the popularity of self-booked holidays, M&S Money revealed, perhaps unsurprisingly due to the recent surge in internet use, that as many as 78% of people with internet access use it to research holiday costs and destinations. According to the study, the most popular reason for a trip abroad is now to see family and friends, rendering the package holiday obsolete.

The research revealed that 29% of Brits now book every element of a holiday separately, meaning that no one company holds overall responsibility: the flight, hotel, and activities are all individually and separately organised. Consequently, travel insurance becomes less reliable. In the past, a travel agent would have been responsible for the entire holiday and, if a flight was cancelled or delayed causing a traveller to miss a later flight, the travel agent would organise alternative travel. However, taking control of booking means taking control of cancellations and delays and can result in extra costs – travel insurance does not properly cover a DIY holiday in the same way it would do a package deal.

According to M&S Money, 35% of UK travellers encountered a cancelled or delayed departure during their last trip, 21 per cent of whom were travelling independently and were not covered by insurance. These statistics highlight the importance of adequate travel insurance for solo holiday makers.

The recent chaos at Heathrow’s Terminal Five is an example of how travel plans can unexpectedly change. When at the opening day of Heathrow’s new £4.3 bn terminal was blighted by countless cancelled flights, baggage delays and a temporary suspension in check-in, many travellers’ insurance deals did not cover the situation.

Following this unfortunate episode, some insurers have downright stopped offering cover for lost luggage or delayed flights to travellers going through Terminal 5 at Heathrow.

“We cannot insure for events that have already happened,” explained a spokeswoman for Direct Line, one of the insurance firms that have taken this stance. She then added: “Insurance only covers events that the customer is not aware of at the time of purchase. People calling up on our travel insurance quote line were told this specifically.”

In response to this gap in the market, M&S Money has decided to introduce an insurance policy specifically for holiday makers who book it themselves.

“As independent travel has grown we have identified changes in how customers travel and book holidays. This has changed what they need from travel insurance.” said Brendan Cook, chief executive of M&S Money.

M&S’s innovation seems to stand alone however, in a sea of insurance companies which are not answering to the current needs of modern travellers. A possible affecting factor may be the recent increase in budget holiday use. Budget flight companies offering unbelievably cheap deals are notorious for ‘giving you what you payed for.’ In other words, they often loose baggage, delay and even cancel flights. This has caused an upsurge in travel insurance claims which the insurance companies have found difficult to follow.

Sofia is an author of several articles pertaining to Travel Insurance. She is known for her expertise on the subject and on other Business and Finance related articles.

erm care of elderly is everyone’s concern since it will most likely affect you or a loved one. In this article I’ll respond to 6 questions that encompass your long term care (LTC) concerns: What is LTC? Who needs it? Who provides help for it? What’s the cost? Who pays for it? What should you do about LTC?

What is LTC?

You need LTC when you need help carrying out your activities of daily living (ADLs) for the foreseeable future. For seniors, this most likely means for the rest of their lives. Examples of ADLs are dressing, bathing, toileting, eating, transferring from bed to bathroom and continence.

Who needs LTC?

Boston College’s Center for Retirement Research (BCCRR) (http://crr.bc.edu/images/stories/Briefs/20&ib;_7-13.pdf.) found that three of every four 65 year olds are projected to need LTC in their future. The percent breakdown of elderly needing LTC will be:

31% – no care

29% – 2 years or less

20% – 2 to 5 years

20% – 5 years or more

Who provides help for LTC?

Long term caregivers do. They’re either skilled or custodial caregivers. Custodial caregivers are typically family or friends, volunteers, or paid helpers. Heath care plans pay for skilled caregivers (i.e. medical specialists like doctors, nurses, etc.) but only for custodial services if these are given as part of a skilled care procedure.

You receive LTC in your home, at an adult day center, an assisted living facility, a hospice facility or at a nursing home.

What’s the cost of LTC?

The cost for LTC services depends on where you’re living and what level of long term care you’re getting. Approximate annual costs may be $25,000 for home care at home; $40,000 for an assisted living base rate; and $80,000 or more for nursing home costs. These costs can cut deeply into your savings or legacy.

Who pays for LTC costs?

The BCCRR study shows that 18% of dollars spent on LTC come from direct out-of-pocket payments by individuals. Medicaid pays about 50% of LTC costs but only for those who have almost no assets since Medicaid is for the poor. Medicare paid 20% probably as transition costs only since Medicare is not intended to pay continual LTC costs. Only 7% of LTC dollars were paid for by private LTC insurance policies.

What should you do about LTC?

Clearly, you or a loved one will probably need some long term care in the last stages of life. And it’s very costly. It can wipe out all your savings or legacy if you require a year or more of it. So you need to plan for how you can handle paying your LTC costs.

Three options for paying for LTC are:

1. Pay it out of your pocket (i.e. your own savings)

2. Buy LTC insurance so the insurance can pay it

3. Let Medicare pay it.

Paying for LTC yourself requires having a lot of money – enough earnings on your money to not jeopardize losing all your savings and legacy. Perhaps you should have at least $750,000 not including your home.

If you buy LTC insurance, you’ll have to pay premiums each year. This is more costly the older you are when you start paying them. You get tax breaks for premiums paid. But starting earlier makes premiums less.

Medicaid will pay a person’s LTC costs but only if they’re unable to contribute their own money or assets to what Medicaid pays for you. Only until you have less than about $3,000, will Medicare pay for you at no cost to you. But you can’t just transfer all your assets to loved ones one day and apply for Medicaid the next. You must transfer your assets away some 5 years earlier than when you apply.

So you can see that you need to look into what is the best strategy for you. Depending on your age and wealth you can find a strategy that minimizes your loss of wealth for dealing with the probability of needing LTC.

If you plan early and transfer assets away early, you can possibly save a fortune for you beneficiaries.

Shane Flait is an educator and writes on financial, legal, and tax issues. He tells you what the issues are all about and gives you workable strategies to accomplish your goals. Find out more and get a free report on Managing Your Retirement =>
http://www.easyretirementknowhow.com
You can contact him at contact@easyretirementknowhow.com

When you think about long-term care insurance, you want to consider a few questions. First, you want to decide if you truly need this type of coverage. Next, you want to consider what the plans will cover.

In addition, you want to compare the costs and the benefits of taking out long-term care insurance. Once you decide you want to learn about basic plans verses comprehensive packages.

To begin evaluate your overall case: Do you have Alzheimer disease? If you do then you will need a long-term care insurance policy to cover expenses, such as long-term medical needs and care provider. If you have Alzheimer disease, you will need a policy to cover nursing home expenses in the future.

HMO branches into Medicaid and/or Medicare. These insurance polices will cover basic healthcare needs, prescriptions and so on. What Medicaid and Medicare will not do is cover name brand prescriptions. In some instances, you also pay co-payments. Medicaid and Medicare will cover nursing home expenses, caregiver services, and basic medical expenses including hospitalization. However, if you make x amount of income, you may not qualify for HMO plans such as Medicaid assistance. Medicare is usually given to those 65 and older.

When considering long-term care insurance you want a plan that will cover expenses when you have to retire or are unemployed for a length of time. Look for plans that will cover healthcare costs, adult care, and will offer you coverage for caregivers if you need them.

Any insurance plan includes interest, premiums, and sometimes deductibles. Medicaid does not have deductibles but other types of insurance plans do.

The interest rates are based on your gender, age, risks, marriage status, health condition, and so on. There are different types of policies and coverage so check around to explore your options.

When you search for long-term care plans visit the web to search through various companies that offer these plans. You can use the quote systems to compare the types of insurance policies, prices and so on.

At what time you search for coverage buy the plans earlier in your life so you will save on premiums, and interest rates. Some of the long-term care insurance will give you a surplus of benefits, so search the Internet to find the best plans and rates.

Other types of insurance plans include life insurance, term life, healthcare insurance, HMO, cobra, and so on.

Check your current plans to see what you have already. You may have sufficient coverage to protect your future. If not, then review all plans. Rather than focusing on one type of insurance, you want to find coverage that gives you the most for your money. Some insurance plans will reimburse you when you are out of work. Some plans will also cover burial expenses. So be sure to surf through the different plans when considering insurance.

#1 American Insurance provides free insurance quotes for home insurance, auto insurance and life insurance. With #1 American Insurance you will get the best insurance quote in your area as our insurance agents are top rated in insurance markets.#1 American Insurance also operates Rate Empire and, #1 American Financial

If you are considering, or have decided to put your real estate up for sale then you are probably looking for a real estate agent. What do you need to look for in an agent so that your experience turns out not only positive, but hopefully resulting in the sale of your property.

Any agent you consider should be licensed by the state they are operating in. It is surprising how many property owners do not check this out before listing with an agent. You do not want to spend time and effort only to find out later down the road your agent is not fully licensed.

Look for a successful agent who is very active with lots of listings. Generally real estate agents who are successful at listing and selling property will have many listings. Those that are not as good as actually getting property sold have few if any listings. You should see signs, newspaper ads, commercials, and other marketing materials often if the agent is making deals. Agents who actually market the properties they list usually have a higher success rate.

So where is a good place to start the search for that successful agent who can potentially sell your home? Start by asking your friends, family, and neighbors about the agent they used on their real estate deals. The either positive or negative response to this enquiry will give you some leads to follow and agents you might want to avoid as well. Also consider the real estate firm the agent works out of the offices of. Large nationally known firms have higher standards for their agents than smaller locally based firms. Though there are some diamonds in the rough in these local firms. Consider the agents in the firm that regularly win monthly sales awards, these are the aggressive marketing agents who get results. Finally do online research at sites that gather data on licensed real estate agents. This will give you hard numbers to make your decision on.

Of course you also need to ensure that the personality of your real estate agent does not conflict with yours. Some people just have traits that do not mesh with others and you do not want to have any conflict with the person selling your home. Communication is essential between a real estate agent and the home seller. A lack of communication or miss-communication can lead to conflict and hard feelings, which can impede the sell of your home.

Once you have an agent you would like to work with discuss with them how they plan on marketing your home. Get their response in writing! This will give you an idea of what exactly your agent will be doing for you. Many of these marketing tactics you can check on your own to ensure he is following through with your agreement. You can view your listing online on the local mls, any ads placed in papers, and know the marketing is being aggressively done on your property.

Shepherd Real Estate is located in Starke County Indiana and is surrounded by North Judson, Hamlet and the popularBass Lake Indiana real estate area. Bass Lake is a very popular summertime recreation destination and has some of the most sought after Northern Indiana real estate.