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Assisted Pocket
Stop 100 people over 65 on the street and ask them if they will ever need to go to a nursing home and 99 will say, “No!” Folks tend to equate long term care insurance with nursing homes, but there are other aspects of long term care. Home care, assisted living, adult day care and hospice care are all forms of long term care which cost money where the person never sees the inside of a nursing home.
Planning for the many types of long term care just makes good financial planning sense.
However, long term care can be expensive, especially if a person waits too long to buy it. Age and health problems could make premiums prohibitive or even render the coverage unattainable.
What if there was a way to make sure you had long term care coverage if you ever needed it, but never had to take premiums to pay for it out of your income? Actually, there are quite a few. LetÂ’s look at three of themÂ…
1. Sell a life insurance policy.
Unbeknownst to many people, there is an “after market” for life insurance policies that have served their purpose and are no longer needed. There are companies that will buy policies on behalf of pension and institutional funds which hold them as part of their investment portfolio. The best part is that they will buy them for more than the cash value.
Other insurance policies that may be a candidate are those where the premium takes a huge hike because of the drop in interest rates, policies with maximum loans about ready to collapse and create a taxable gain but with no money to pay the tax or even term insurance policies that are nearing the end of their term.
When a policy is sold, one option would be to transfer all, or a portion, of the proceeds into an “asset based” long term care plan. Done deal. Ask your financial planner about asset based LTC plans.
2. Withdraw money from an annuity.
Over 90% of the people who own a non-qualified deferred annuity die owning it. It is never converted to a life income. Essentially it serves as a longer term “rainy day” fund than a CD. The fact that the interest earned is not currently taxable is an attractive feature and makes the money grow faster than a taxable CD.
However, at some point the piper must be paid. When someone dies holding an annuity and leave it to their children, the children are required to pay the tax on the gain. You may have heard this referred to as the annuity “ticking time bomb”.
There is a way to avert this time bomb tax, provide long term care for yourself and not take any money out of your budget. There are several ways to skin this cat.
a. If your annuity is large enough, simply take the 10% penalty-free withdrawals each year and move them into a 10-pay long term care plan.
b. The only mental deterrent that comes up on this suggestion is that there may be remaining surrender charges on the annuity. No problem. Most companies allow you to annuitize. If the annuity pay-out period is at least 10 years, most of them waive any surrender charges.
3. Exchange all or a portion of a CD, non-qualified deferred annuity, variable annuity or IRA for an annuity/long term care combination plan.
This entails simply moving money “from one of your pockets to another”. The difference is that the pocket to which the money is moved has long term care benefits in it as well. This technique also uses the “asset based” long term care plan approach.
So there you have it. Three ways to get long term care without a premium coming out of your pocket.
Robert D. Cavanaugh, CLU is a 36 year financial and estate planning veteran and author of the free newsletter, “The Estate Preservation Advisor”. To subscribe and get the free video, “How to Sell Your Life Insurance Policy for More Than the Cash Value”, go to http://theestatepreservationadvisor.com/freevideo.htm
What type of steel will give me a super sharp knife blade? ?
I don't want something that will rust if you leave a fingerprint on it(some do) but definitely a step or three above 440C, which is pretty good.
I also would like to know the best company to buy from that makes knives with that steel. I'm looking for a folding pocket knife, probably assisted opening.
Go with kershaw if you want assisted opening. their sandvic steel can get scary sharp and is stainless, but its only about the level of 440C. If you have ~$150 to spend, got with Benchmade's nitrous stryker. D2 is a very tough, sharp steel, but between stainless and carbon steel in rust resistance. Other steels to look at are vg-10 (spyderco, look at their wave feature), 154cm, bg42, s30v, s60v, s90v, and the absolute best are SGPS laminated steel (Fallkniven U2), zdp-189 (spyderco again) and INFI (Busse, VERY expensive but worth it).
Endoscope-assisted pocket grafting of autologous collagen
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 BLUE JOKER 8" SPRING ASSISTED POCKET KNIFE JKBL-5  US $.99
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 POLICE DEPT. TACTICAL STILETTO ASSISTED OPENING POCKET KNIFE LAW ENFORCEMENT NR! US $1.00
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Another great place to shop for Assisted Pocket products is Amazon. They have more than just books!
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Ritz Neoprene Thumb Mitt
$13.95 This oversize neoprene thumb mitt by John Ritzenthaler company (Ritz) provides a non slip and flexible grip when holding hot items in the kitchen. This thumb mitt measures 13-inch long. The neoprene fabric is both durable and heat resistant up to 500-degree and is useful for all types of use. Features: Non slip easy grip that is durable and flexible. Over size thumb mitt measures 13" long. Silver,... |
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Ritz Black Terry Pocket Oven Mitt 8 x 9
$3.95 This pot holder does more than the average pot holder to protect your hand. The slide in design allows you to keep the back of your hand safe from the heat as well.... |
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Ritz Extra Large Apron with Pockets - Butter
$11.95 Established in 1892, the John Ritzenthaler Company (Ritz) has long been synonymous with the finest quality in home textiles. These attractive aprons provide great quality and value for your kitchen. Features: Dimentions: 29" W x 36" L. Ties: 47". Machine washable.... |
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Mtech Extreme Tactical Folding Pocket Knife,With Aluminum Handle Knives Black
$4.65 The Mtech Extreme Tactical Folding Knife is a designer, collector's knife built for all-purpose utility, ideal for camping and outdoors use. Measuring 8.75 inches overall, the knife has a sharp, 3.75-inch blade forged of high-quality 440 stainless steel that folds into a precisely cut handgrip with a melt. The jet-black blade features a stylish metal fence design and the well-proportioned handgrip... |
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Trademark Spring-Assisted Tactical Pocket Knife
$6.99 The Spring Assisted Tactical Pocket Knife from Trademark offers great quality and usability at budget-friendly price point. The knife's spring-assisted blade opens easily for use and locks securely for safety. Constructed of quality stainless steel, the 3.25-inch blade has a pointed end for puncturing, a plain edge for slicing, and serration at the base for sawing. Measuring eight inches open and ... |
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Smith & Wesson SWATMBS Swat Medium Serrated Assisted Opening Knife, Black
$53.07 ... |
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Omron HJ-112 Digital Pocket Pedometer
$20.00 Gosmart hj-112n dual axis pocket pedometer...... |
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DIAGNOSTIC PENLIGHT WITH PUPIL GAUGE - 6pk
$5.32 The Primacare Diagnostic Penlight with pupil guage is easy to use and affordable. The pre-focused pinpoint lens directly illuminates eyes, ears and throat. Activation is made simple by depressing the pocket clip. Itis made of lightweight molded plastic body. The Imprinted Pupil gauge helps determine pupil size at a glance. It also has a sealed concentric beam. Dimensions are 5" length x 1/2" diame... |
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Conair MiniPro Ceramic Straightener
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Carson MM-200 Carson Micromax LED 60X-100X LED Lighted Pocket Microscope
$19.00 CARSON MM-200 MICROMAX LEDTM 60X-100X POCKET MICROSCOPE... |
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