Who wants long term care? Of course Aaron Donald Jersey , nobody wants it but according to the U.S. Department of Health and Human Services 70 percent of the elderly population 65 years of age and older will need it. This explains why many people feel the urgency of securing a long term care insurance policy, but the problem is that long term care insurance premiums are also prohibitive.


The cost of care is too much for an average American family to bear especially if a member of the household requires serious care in a nursing home which currently charges an average annual rate of $77,745.


Assisted living facilities and home health care are not better options either since they are not any cheaper than nursing homes. Individuals who are on assisted living pay out $3,261 every month on average while those who are getting in-home care fork out $36 Eric Dickerson Jersey ,480 annually for a home health aide who is responsible for providing assistance to an elderly or disabled individual with the activities of daily living (ADL) such as eating, bathing, dressing, toileting Wholesale Rams Jerseys , continence, and transferring.


Meanwhile, some people receiving in-home care seemingly pay out a bigger amount of money than those in nursing homes since they have to pay out more money if they want to receive homemaker services.


It is important to note that while there are home health aides that offer homemaker services, they are not obligated to do so because the latter is a completely different type of long term care (LTC) service. Homemaker services basically cover cooking Cheap Rams Jerseys , housecleaning, laundering, and running errands.


Whether you visualize yourself in a nursing home or aging in place, you will unquestionably spend a lot of money for care and thus the importance of having an effective LTC plan.


Making Long Term Care Insurance Premiums More Manageable


Every one of us wants to stay healthy until our final days on earth. Unfortunately Greg Gaines Rams Jersey , not everybody will have this fate as a bigger percentage of the American population is expected to require chronic care in 2030, which is the same year that the cost of care is projected to increase fourfold.


Instead of the average hourly rate of $19, those who will be receiving custodial care from a home health aide 20 years down the road can expect to pay out as much as $76 per hour which is equivalent to an annual rate of $145,920.


Meanwhile Bobby Evans Rams Jersey , assisted living facilities will have a monthly rate of $13,044 while the estimated annual rate of nursing homes would be $310,980 when that time comes.


Long term care (LTC) specialists have stressed many times that the only solution to LTC costs is a good plan such as a long term care insurance (LTCI) policy. Though the four-digit annual premium will require you to slightly adjust your lifestyle, this is better than shouldering the five-digit cost of care David Long Rams Jersey , or worse, six digits.


One thing that nobody wants to experience is leaving home for a nursing facility but the U.S. Department of Health and Human Service says 40 percent of the country’s elderly population will inevitably have to.


Rather than risk your assets to nursing home expenses invest in an LTCI policy. Unlike the rates of LTC facilities, long term care insurance premiums are definitely negotiable.


Reviewing the Intimus 602cc (532 X 1 1332) Cross-Cut Shredder Technology Articles | June 24, 2010
After looking over the Intimus 602cc (532 X 1 1332) Cross-Cut Shredder we were quite pleased with its specs. Now it may not be the cheapest on the market but we think that the few extra bucks you'...


After looking over the Intimus 602cc (532 X 1 1332) Cross-Cut Shredder we were quite pleased with its specs. Now it may not be the cheapest on the market but we think that the few extra bucks you'll spend will be worth it. Check out the specs below and judge for yourself.




Security


At a level 3 security Darrell Henderson Rams Jersey , this cross-cut shredder gets the job done. Although there are higher levels of security, a level 3 machine provides a sufficiently small cut size to put your identity theft worries to bed. We also like the cross-cut because it takes up much less space which means that you won't have to empty your bin as frequently as you would with a strip-cut machine. There is really no reason to jump up to a level 4 machine unless you have some ultra-sensitive documents you need destroyed.


Shredable Material


The Intimus 602cc (532 X 1 1332) Cross-Cut Shredder can shred Paper. If you need to be able to shred something else then we recommend that you look at a larger machine andor look for something with a little bit lower security (the higher the security the less likelihood that the machine shreds something other than paper).


Continuous Motor


This shredder is rated for continuous operation. That means that theoretically you could shred all day long and the machine would not have to shut-down to cool off. Remember that results may vary under real-world operating conditions and things such as the temperature of the room will affect the ability of this motor to stay cool and continue to shred. We give this machine 2 pats on the back for being rated continuous duty and we know that you'll appreciate this feature in due time.


Bin Size


The Intimus 602cc (532 X 1 1332) Cross-Cut Shredder sports a hefty 33.6 gallon bin. We know that you're not messing around when you get up in this size. You'll be able to go quite some time before you have to actually empty that thing out. Fill up your machine, skip the gym and just carry the full bag around the office all day!


Throat Size


A 16 inch throat means that you can fit just about anything into this bad boy. Gone are the days of folding your oversized paper or crumpling and jamming your machine with regular-sized paper. This. Wholesale Jerseys Wholesale Jerseys From China Wholesale Authentic Jerseys Wholesale Nike NCAA Jerseys Wholesale Basketball Jerseys Wholesale College Hockey Jerseys Wholesale NBA Jerseys Free Shipping Cheap College Jerseys China Cheap Authentic NBA Jerseys Wholesale NFL Jerseys China