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One more currency which has been in the news a lot lately, Australian Dollar. Here also results are rather disappointing. Even at the height of commodities induced appreciation of this decade, AUD was only about 40% higher in value against other currencies that at the beginning of this data series, in 1970. Also not the kind of performance one would expect after four decades.
What is the answer? Are currencies a suitable asset class for long term investment? Probably not for the static buy and hold approach, long favored with stocks and bonds. While finer points are always debatable and open to discussion, some level of activity would be necessary in order to take advantage of both currency appreciation and interest rate earning potential. It does not mean daily, but once every few months analysis and necessary adjustments should be done. That way individual currencies could be held for long periods of time. Just not in a "set and forget" manner.
This table doesn't include many other variables, which would have profound effect on total asset return during this time. Interest rates collected on any one of the currencies would have boosted final results dramatically. Any compounding of these gains is also not included. However, it seems that prolonged trends,[link widoczny dla zalogowanych], one of the most appealing factors for currencies investors,[link widoczny dla zalogowanych], can also be worst enemies when simple buy and hold approach is used. Currency of choice can be on the loosing side of market swing for years or even decades.
Popularity of spot Forex trading proves that currencies are great trading instruments. Brokers report record numbers of accounts opening every year,[link widoczny dla zalogowanych], trading volumes keep rising and the most liquid markets in the world are becoming even deeper. This is easily noticed when spreads from just few years ago are compared to ones today. In many cases they were cut by half, clearly outcome of increased activity as well as competition for clients among Forex brokers.
The best performing currency over the period, as measured using trade-weighted exchange, has been Swiss Franc. From 1970 to about 1995 it has just about doubled in relation to all other currencies included here. Since than,[link widoczny dla zalogowanych], however, CHF has been declining slightly. One could generously call it a sideways move. All told,[link widoczny dla zalogowanych], over almost 40 years time span this currency gained about 80% against a basket of currencies of its major trading partners. These are not stellar results, especially considering that last 15 or so years produced a net loss.
Currencies are not financial instruments which typically come to mind when talking about long term investments. Vast majority of financial advisors suggests a mix of bonds and stocks to their clients, with some cash investments, like money market funds or CD's thrown into the mix. Such is long standing,[link widoczny dla zalogowanych], conventional wisdom regarding regarding allocating money for a long haul and is almost universally practised on "main street". The only difference is specific split among these asset groups,[link widoczny dla zalogowanych], in most cases related to the age of person. Virtually all other forms of investments are considered "derivatives" and not suitable for most people.
Author's Bio:
This is a chart of how major currencies performed against a basket of peers since 1970. It was compiled and published recently by Financial Times (www.ft.com). Rates used were trade-weighted exchange: "showing the value of a country's currency in relation to the currencies of a group of countries with which it trades. In the index, each country's currency is given an importance in relation to the amount of trade it does". Another way of valuing currencies is by using Purchasing Power Parity Index. Using trade-weighted exchange we can see which currencies outperformed, or underperformed, based n the same criteria. This chart is a little crowded, but individual currencies can be isolated.
Mike K.
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The US Dollar has been falling in value but not as dramatically as one could have thought. As a matter of fact USD had couple of prolonged periods of appreciation,[link widoczny dla zalogowanych], lasting years. Over the span covered by data one could even call the Dollar a non-performing,[link widoczny dla zalogowanych], or slightly under-performing. However, it was not a currency that should have been a choice for anybody looking for long term gains.
By Mike Kulej
See all Articles by Mike KulejSee Mike Kulej's Expert PageGet Updates on ForexGet Updates on Mike Kulej Average: 2 Your rating: None Average: 2 (1 vote) Tweet
One of the characteristics of currencies often talked about is the presence of unusually long and persistent trends. They often last months and years and are the main reason behind inclusion of them into main asset classes. But really,[link widoczny dla zalogowanych], are currencies the kind of financial instrument that could be put away for an indeterminate period of time without more or less active portfolio management? Long term chart of any one currency pair indeed reveals long term trends, but how does it look like on bases of currency baskets, something that would have to be done in order to minimize risks of any one currency exposure? Things get a little different than.
These views have been slowly changing over last few years, if not decades. Explosion of hedge funds have brought alternative forms of investments,[link widoczny dla zalogowanych], other than stocks and bonds, into a vernacular of most individual investors. Today just about everybody with any interest in financial markets knows, at least in principle,[link widoczny dla zalogowanych], what options, futures and commodities are. More and more often these groups of securities are mentioned as separate asset classes with a place of its own in a carefully balanced investment portfolio. Same goes for currencies.
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Prosecution officials are studying the coalition's plan to see to what extent it violates the law. Lee Tae-ho, coordinator for the coalition, said that they would still campaign against any person on the submitted lists who runs as a candidate.

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By Kris Cavanaugh
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But that’s only part of the problem…
Many people have symptoms of being “stuck in Neutral” like the above, but don’t make the shift to do anything about it. (Similar to a medical condition, diagnosis is half the solution. The other half is properly treating the issue!)
• you’re “active” in your life or business, but not getting anywhere
• you’re about at the same place in your life or business as you were last year (or worse)
• your goals aren’t getting achieved
• your results for the vision for your life or business is consistently falling short
• your “important project” is still undone
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This may happen every once in a while in a car,[link widoczny dla zalogowanych], but it happens all the time in life! (Don’t let this be you.)
“No man is an island”,[link widoczny dla zalogowanych], and success in this area escapes those who try to go at it alone, so get direction, accountability,[link widoczny dla zalogowanych], support, tools,[link widoczny dla zalogowanych], advice, etc from someone you feel comfortable with. Your life on this planet is so short, and not only should you achieve the goals you’ve set for yourself for YOUR benefit, but oftentimes there are other people counting on you as well! This could be your spouse,[link widoczny dla zalogowanych], your children, your staff,[link widoczny dla zalogowanych], your boss, etc.
You’re in your car, you’ve got your navigation on and directed where to go, your seat belt is fastened,[link widoczny dla zalogowanych], the mirrors adjusted and you’re ready to roll! You’re foot is on the gas but you’re not going anywhere…
Your gauges are fine, your tank is full of gas, so why aren’t you moving forward?
Next time you’re in the car, and you make the shift from “N” (Neutral) to “D” (Drive),[link widoczny dla zalogowanych], think about your own life and what areas you’re not moving forward.
1. Assess your current situation
2. From the assessment, see what you are stuck on
3. Determine what you’re willing to do or give up in order to make it happen
4,[link widoczny dla zalogowanych]. Establish your game plan in steps
5. Prioritize your action activities for each step
6. Have accountability in place along the way
7. Take consistent and persistent action EVERY DAY
Oh, now you see – you’re stuck in Neutral, and the car must be in Drive in order to move ahead. (Don’t feel bad – many people are stuck in Neutral and can’t figure out why they’re not moving forward.)
So what is a proper set of steps to take to get from “N” to “D” and get on the road to where you want to be? Here are some successful strategies that my clients have taken under advisement to make the shift into “Drive”.
Does this sound familiar, or similar to a situation close to you?
What does it mean to be “stuck in neutral” in life? Well, here are a few signals…
There’s no silver bullet to getting “unstuck”, but there is a simple solution and you CAN do it! I have experienced the busiest, most unorganized people get “unstuck”, into “Drive” and moving progressively forward toward the goals and achievements that were important to them – so can you.
This is often the case for many individuals, and is very common even among busy,[link widoczny dla zalogowanych], hard-working professional individuals – even you. It’s no wonder many of us get “stuck”. People can easily get stuck because of growing workloads, stresses at home, demands from the business or career, distractions from the barrage of emails, phone calls,[link widoczny dla zalogowanych], etc that can cause paralysis of analysis.
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Prosecution officials are studying the coalition's plan to see to what extent it violates the law. Lee Tae-ho, coordinator for the coalition, said that they would still campaign against any person on the submitted lists who runs as a candidate.

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Incheon International Airport Corporation,[link widoczny dla zalogowanych], which manages Korea's main air terminal,[link widoczny dla zalogowanych], said on Sunday that it will begin a 40-day clean-up project from Monday in preparation for the Seoul Nuclear Security Summit.
The grand gathering is slated to begin on March 26,[link widoczny dla zalogowanych], with the heads of 50 countries attending. The airport,[link widoczny dla zalogowanych], which ranks as the nation's largest building,[link widoczny dla zalogowanych], consists of a main terminal measuring 504,[link widoczny dla zalogowanych],000 sq. m, a concourse terminal (158,[link widoczny dla zalogowanych],000 sq. m) and a traffic center (252,[link widoczny dla zalogowanych],000 sq. m). Some 70,[link widoczny dla zalogowanych],200 sheets of glass line its outer walls,[link widoczny dla zalogowanych], and airport authorities plan to have all of them cleaned.
A total of 1,[link widoczny dla zalogowanych],200 workers and 100 pieces of cleaning equipment will be mobilized for the Herculean mop-up.
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As expected, "Les Misérables" -- the film adaptation of Victor Hugo's 19th century novel -- was the winner of the Globes best comedy or musical category, and its stars Hugh Jackman and Anne Hathaway won acting honors.

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gunmen robbed 100000 yuan
The
this March 26th morning 11 when make, Guiyu people Peng to drive the car to Guiyu a savings to take $100000 cash back home,[link widoczny dla zalogowanych], passing through the Gui Yu Zhen Xian Road section of a hotel nearby, Peng took 100000 yuan to get off to their friends in the factory to see goods,[link widoczny dla zalogowanych], when it came to the gate of the factory is 4 the driver 2 motorcycle gunman threatening gangsters robbed 100000 yuan, then driving a motorcycle quickly fled the scene.

late on April 10th, by the police investigation was informed that the exact point of several suspects, and ready to commit crime again in 11 days of information. So the team soldier points a few road, in cooperation with the Municipal Public Security Bureau relevant business departments and local police to the area, in 11 at 3 pm,[link widoczny dla zalogowanych], in Chen Zhen rental housing tax criminal suspects arrested a (Guizhou),[link widoczny dla zalogowanych], a (Sichuan people). At 4 pm,[link widoczny dla zalogowanych], in the peaceful town of Gurao intersection rental housing captured the criminal suspect Deng (Sichuan people). At 6 pm, in the Valley Rao Zhen Xi Yuan a hotel criminal suspects arrested Ding (Sichuan people). 8 pm, Chaonan District in Sima town rental housing criminal suspects arrested Xu (Sichuan people). After the arrest of suspects, the police immediately to the suspects gathered in the town Chaonan Chen often rent house seized 1 Simulation pistol, tools motorcycle 2.
Chaoyang branch to deploy capable forces to form a task force to carry out the investigation of a case. Soon, the police found a group of Ji, Gulin County, Sichuan recently active in Guiyu town of Guizhou Xishui County Ji young men is a major crime suspects. Through the identification and further investigation,[link widoczny dla zalogowanych], police determined the gang's March 26th followed a Peng to robbery several suspects.
from the bank teller 100000 yuan just out, it was the gunpoint forced. Recently, the Chaoyang Public Security Bureau smashed a gang armed the trail rob bank depositors, captured from Guizhou and Sichuan suspects tax a 5 type,[link widoczny dla zalogowanych], cracked the case 4, and seized 1 Simulation pistol and crime motorcycle 2.
said of peaceful times. Under open armed robbery, money,[link widoczny dla zalogowanych], one time, there were many discussions. The masses, reflecting the strong. After receiving the report,[link widoczny dla zalogowanych], Chaoyang sub Bureau Criminal Police production brigade and Guiyu police station rushed to the scene investigating work. After the incident, the provincial, city police leaders Liang Weifa, Zheng Tongsheng paid great attention to, ask the police to take strong measures to solve in time, and the case will be listed as the provincial public security department to supervise the handling of cases.
trial, criminal suspects, Deng Mou metasomatism of a tax year March 26th morning, Chaonan District in Dian Zhen Chen Liu Xian Cun rental housing accumulation,[link widoczny dla zalogowanych], driving 2 Red Prince motorcycle to Guiyu a savings for the crime target. 26 days morning 11 when make, 4 people followed from Guiyu a savings take a victim Pengmou to Guiyu plastic factory gate,[link widoczny dla zalogowanych], when Peng drawing get into the factory, Xu held a black simulation pistol threat Peng away after the 100000 yuan of the crime. After >
catch all in one draft armed robbers

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As expected, "Les Misérables" -- the film adaptation of Victor Hugo's 19th century novel -- was the winner of the Globes best comedy or musical category, and its stars Hugh Jackman and Anne Hathaway won acting honors.

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Doggie Bag:
If you didn’t finish it last night,
Fad Dieter:
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allowing them to gather friends around gives them power. You have the power to do this.
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You might want to look through books of baby names and pick one that has a special meaning that you like - maybe something that means "sweet" or "kind" or "brave.I. And that's where change happens. And we access the power within you, accounts for the fact that many children simply do not get any exercise. DC, ( and I have a number of issues with parts of it for my relationship. I have mixed feelings about this.
QUESTION: What can I do to increase my opportunities to meet new people who will appreciate what I have to offer,[link widoczny dla zalogowanych], In today’s challenging economic world.
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Close to 1/10th of the entire population of the world is registered on social networking websites. Most of them have a profile on Facebook, most use Twitter and all the professionals are registered on LinkedIn.

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"The World's Greatest Cities: Seoul" will introduce the unique combination of old and new cultural heritage in the city, including UNESCO sites such as Changdeok Palace,[link widoczny dla zalogowanych], which was built during the Chosun Dynasty, and Jongmyo,[link widoczny dla zalogowanych], among the world's oldest royal Confucian shrines.
Time Out ranks as one of the world's three biggest travel guides along with Lonely Planet and Globetrotter. It is known to select the trendiest spots for young tourists and has published books on 86 cities.
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"Since 2008, we have encouraged global tour guide series to add books on Seoul,[link widoczny dla zalogowanych], which has resulted in seven being published,[link widoczny dla zalogowanych], including the latest edition of Lonely Planet,[link widoczny dla zalogowanych]," said Koo Bon-sang at the Seoul City Department of Culture and Tourism Design.
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Koreans must have been born to parents who stayed abroad more than six months studying or working for Korean companies to be given dual citizenship, according to new citizenship guidelines released by the Justice Ministry on Sunday.

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Koreans must have been born to parents who stayed abroad more than six months studying or working for Korean companies to be given dual citizenship, according to new citizenship guidelines released by the Justice Ministry on Sunday.

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By Kellie Maddix
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Daily care for thin hair, i.e., the Progaine Volumizing Shampoo, comes in 12-ounce bottles.
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The Progaine Volumizing Shampoo is a Rogaine shampoo that aims to optimize and volumize fine or thinning hair, together with use of other Rogaine products. With its unique hair care system that is designed specifically fine hair, you are sure to experience promising results.
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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Recreate yourself as a simple being - in the centre of a seemingly complex world – expressing true love, happiness and peace.
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Her sentence was simple (the facts stated), but getting to the point in her life phrasing it as she did has involved a complex return journey to ‘self’.
I was excited because her language showed she’d accepted responsibility for her role in her life and an understanding of how everything is connected - her body, her spirit, her relationships and results in her life.
This is integration.
She made the necessary changes internally over the past ten years to live front and centre of her own life, being who she really is, and who she wants to be.
This is integration.
Seeing both these things in such start contrast made me realise that within self-made complexity it’s important to let your inherent simplicity matter.
Being in the personal development field with people constantly “working on issues” and breaking through new barriers I see many trying hard through “steps” to get somewhere.
All personal development work is relevant, important and very valid, but following ‘steps’ risks making your journey linear and avoids highlighting the complexity within simplicity.
For example I’ve heard, “I’ve worked through my money beliefs – and now I’m starting to understand my fears around success.”
This is all good, but a linear process removes the unique intricacies of you discovering and trusting yourself.
By Heidi Cornelissen
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Enjoying coffee in a group of friends yesterday morning I overheard a lady mention something about her divorce,[link widoczny dla zalogowanych]. I immediately turned towards her because of the wording she’d used in her story.
She said, “I no longer wanted to be the angry and mean person I was in my marriage.”
I heard:
Within a short space of time I’ve experienced two extreme contrasts. The simple family home life of a Cambodian Tuk-Tuk driver as well as the pomp and ceremony of the Mardi Gras in Sydney. The poverty and simplicity on the one hand and a lavish parade highlighting the need for human rights and equality. Ironically, both herald social issues.
And to further the irony, Mardi Gras means "Fat Tuesday" in French.
I’m learning to accept that I am everything at the same time,[link widoczny dla zalogowanych].
And so are you.
You’re born with all emotions,[link widoczny dla zalogowanych], but not necessarily taught about them.
You already know that you cry when you’re happy. And you cry when you’re sad,[link widoczny dla zalogowanych].
What’s that about,[link widoczny dla zalogowanych]? Hardly simple.
“Man can meet the demands of outer necessity in an ideal way if he is also adapted to his inner world, that is,[link widoczny dla zalogowanych], if he is in harmony with himself.”
Carl Jung
Do you feel like all your dreams aren’t coming true just yet?
You may still need to really connect and believe in them. It may be more about you than the dream itself at this stage,[link widoczny dla zalogowanych].
Hold onto the simplicity of your dreams and desires and give yourself time to unravel your complex emotions, beliefs, wants,[link widoczny dla zalogowanych], needs and skills.
And work out what you really want,[link widoczny dla zalogowanych].
Simply.
I therefore recommend instead a lifelong, rewarding process of self awareness and growth which returns you to yourself.
Integrating all your aspects – yet not always “fixing” them enables you to appreciate your unique complexity and create simplicity, namely love, happiness,[link widoczny dla zalogowanych], peace and fulfilment.
There’s no denying we live in a complex world, as complex beings, with complex issues surrounding us.
1. Self acceptance of the shadow parts of herself
2,[link widoczny dla zalogowanych]. Self worth in believing she deserved a better life
3. Self empowerment in exercising the choice to change herself to change her life.
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I have found it to be true almost 100% of the time that the answer to that question has nothing to do with not knowing WHERE to find clients. I have found every time that every life coach who asks this question already knows where to find clients.

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If the other person asked first,[link widoczny dla zalogowanych], I’ll keep my response very simple and then I’ll toss the question back to them… “I’m in marketing… What do you do?” I do this for two reasons…
But there’s a bit of a catch. When asked “So, what is it that you do?” your initial response will ultimately depend on who asked the question first. Here’s what I mean…
To give you an example,[link widoczny dla zalogowanych], here’s my standard response to the inevitable question:
The goal is to get them to respond back with “Oh, how do you do that?” or “Wow! Tell me more”… and even better “That sounds like exactly what I need,[link widoczny dla zalogowanych], can I have your card?”.
When it comes to networking, the very best way to gain more mileage and return for your investment of time is to develop an extraordinary verbal logo.
The most common error people make is to say what they do by way of industry labels… i.e. “I’m a (fill in the blank)”… or, in regard to their company name i.e. “I work for (fill in the blank)” or “I own (fill in the blank)”. Now, these statements may be true but they are boring with a capital “B”,[link widoczny dla zalogowanych], it doesn’t mean much to the person you’re speaking with and worse yet, they may have had a negative experience with the industry or company.
Recently I heard what has become my favourite business related quote…
A verbal logo is what you say in response to the most commonly asked question… “So,[link widoczny dla zalogowanych], what is it that you do?” HOW you respond to this inevitable question will determine how noticeable and memorable you are.
1) Being interested in them is memorable for THEM
2) By listening to their response and probing with some additional questions; when they finally ask me what I do,[link widoczny dla zalogowanych], I can customize my response to be more meaningful to THEM. (P.S. It’s ALWAYS about THEM).
Ordinary just isn’t noticeable nor is it memorable. Not only that,[link widoczny dla zalogowanych], who wants to pay a lot of tax – even if it is just metaphorically speaking?
“Marketing is the tax we pay for being ordinary” ~ author unknown.
So how do you respond in an extraordinary way,[link widoczny dla zalogowanych]? Try focusing your response on the clients you serve and the results you deliver. The easiest way to do this is to describe your ideal client and why they work with you.
“My clients are motivated entrepreneurs who want to promote themselves in a way that is comfortable not salesy. Together we find strategies that feel right, boost confidence and most importantly attract more of their perfect clients.”
By Gina Bell
See all Articles by Gina Bell,[link widoczny dla zalogowanych], Women in Business OnlineSee Gina Bell,[link widoczny dla zalogowanych], Women in Business Online's Expert PageGet Updates on Business NetworkingGet Updates on Gina Bell, Women in Business Online Average: 0 Your rating: None Tweet
Did you know, there are countless ways that you can improve the overall results of your networking efforts? You’ll find a variety of tips and ideas in “The Networking Masters Checklist for Business Networking Success” eBook. It’s just one of many FREE business boosting resources you’ll gain access to when you register at the [link widoczny dla zalogowanych] Go there now; you’ll be glad you did.
It’s not the most motivating or inspiring quote around but it does hit the nail on the head in terms of the primary goal of marketing…and that is to draw attention to your product or service as “the” best choice for your target market AND,[link widoczny dla zalogowanych], to be remembered for it.
Author's Bio:&nbsp,[link widoczny dla zalogowanych];
So challenge yourself to create an extraordinary verbal logo that leaves your new contacts begging to know more about you and what you do.
So the goal then is to be EXTRAordinary… noticeable, relevant and memorable to your target audience and potential referral sources.
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I have found it to be true almost 100% of the time that the answer to that question has nothing to do with not knowing WHERE to find clients. I have found every time that every life coach who asks this question already knows where to find clients.

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Reimbursement policies pay the insured individual’s total amount of expenses for eligible LTC services which can be lesser but not more than his policy’s maximum daily benefit. In case his total expenses for care exceed his daily benefit,[link widoczny dla zalogowanych], he has to pay the excess amount using his personal resources.
Aside from determining your choice of LTC setting,[link widoczny dla zalogowanych], assess your total assets because you’ll never know exactly how long your benefits will hold out once they are in your hands. In case you run short, a good amount of assets can back up your LTC expenses.
No doubt,[link widoczny dla zalogowanych], long term care insurance is an essential part of life. It should actually be considered one of the basic necessities of a man as it provides comfort and financial security. There are three general types of long term care insurance policies and the indemnity long term care insurance (LTCI) is one.
Indemnity policies are more expensive than reimbursement policies and so before purchasing this type of product one has to give some thought to it.
With an indemnity LTCI policy,[link widoczny dla zalogowanych], on the other hand, the insured person will receive his total daily benefit amount as stipulated on his policy regardless of his actual expenses on care. One’s eligibility for benefits is not based on the type of LTC service that he has acquired so whether he hired a licensed caregiver or had his spouse assist him in his activities of daily living (ADL) wouldn’t matter to the insurer.
Next thing to do is to determine where you want to receive care. If you’re opting for in-home care,[link widoczny dla zalogowanych], then there’s no doubt indemnity is for you because if you’re going to buy a reimbursement policy you will be required by your insurer to submit the official receipts that have been issued to you by the nursing home or community-based LTC facility from which you received care.
By Allie Taft
See all Articles by Allie TaftGet Updates on InsuranceGet Updates on Allie Taft Average: 0 Your rating: None Tweet
Many people in the past have,[link widoczny dla zalogowanych], after all,[link widoczny dla zalogowanych], proven the saying a fool and his money are soon parted as true.
To avoid ending up like that fool, consult a licensed LTCI agent in your area before you fork out your hard earned money for an indemnity long term care insurance policy.
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Factors to Consider for an Indemnity Long Term Care Insurance
Your choice of LTCI policy will have to depend on your health care needs,[link widoczny dla zalogowanych], budget and total assets. Among the different types of LTCI policies that are offered by insurance companies,[link widoczny dla zalogowanych], the reimbursement method is normally purchased because it is the most affordable.
Even though an indemnity LTCI policy pays the insured his maximum benefit amount,[link widoczny dla zalogowanych], you should not rush and buy it right away. Ask yourself first if you really want and need to receive your policy’s total daily benefits or would you rather let some amount grow in your pool of benefits so that you have something to fall back on in the future.
For example, your indemnity LTCI policy indicates a maximum daily benefit of $220. Even if your actual daily expenses on a home health aide only totaled to $51,[link widoczny dla zalogowanych], your policy will still pay you $220 in benefits as this is clearly stipulated in your contract.
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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Once you’ve found out your spouse’s reasons, you can decide what behaviors of your own you want to change.
The spouse who gives this reason usually feels disconnected from his or her partner. He or she may feel neglected and alone,[link widoczny dla zalogowanych].
Draw out your spouse’s hopes,[link widoczny dla zalogowanych], dreams, and fears. Touch your partner more. Join together in more shared activities.
You and your spouse may want to consider taking a couple communication course that includes training on conflict resolution. Then you’ll be equipped with the skills you need to succeed at settling disputes.
The spouse who gives this reason typically feels unable to get anywhere with his or her partner when they disagree,[link widoczny dla zalogowanych]. He or she may view the partner as avoiding discussion of conflict issues and/or as being unwilling to compromise.
In my practice,[link widoczny dla zalogowanych], I use an approach that helps 90% of couples to get better and 75% of couples to recover completely. This state-of-the-art approach aims at helping couples identify their negative interaction patterns and transition out of them into positive ones.
Your spouse tells you, “I’m not happy with our marriage. Some days I just don’t care.”
Tip: If your spouse complains about a lack of emotional intimacy,[link widoczny dla zalogowanych], spend more time interacting with your partner.
Ask for your spouse’s input, opinions, and feelings and give them equal weight to your own.
3. Insight: The third most common reason given for marital disaffection is difficulty in resolving conflicts.
What do you do?
Once my couples have accomplished this, they do much better at mutuality, emotional intimacy, and conflict resolution. Typically, disaffection is replaced by a deep sense of fulfillment.
For these couples, the tips above are unlikely to be effective until these underlying patterns are changed. That’s where good marital therapy can be of tremendous benefit.
Tip: If your spouse complains about a lack of mutuality,[link widoczny dla zalogowanych], try harder to make decisions together.
1,[link widoczny dla zalogowanych]. Insight: The first most common reason given for marital disaffection is a perceived lack of mutuality.
Finally,[link widoczny dla zalogowanych], I am aware that the insights and tips I have given above will help many but not all couples. A whole lot of couples are stuck in negative interaction patterns that lie at the roots of their marital disaffection.
You ask your spouse what you’ve been doing or not doing that has contributed to the unhappiness and you listen carefully,[link widoczny dla zalogowanych].
I offer such a course in my practice. I teach it in a private format, tailoring it to a couple’s needs. Usually, a couple completes the course in three one-hour sessions.
Tip: If your spouse complains about difficulty in resolving conflicts with you,[link widoczny dla zalogowanych], make a greater effort to hear your partner out and to meet him or her half way.
The spouse who gives this reason tends to feel like an unequal partner. He or she may feel dominated and controlled or may feel that important needs are being ignored,[link widoczny dla zalogowanych].
2. Insight: The second most common reason given for marital disaffection is a lack of emotional intimacy.
Fortunately,[link widoczny dla zalogowanych], there is a research study that can guide you in what to listen for.* According to this study, there are three reasons that spouses typically give for being disaffected with their marriages.
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Charles Robert Darwin – English naturalist- He is notable for the scientific theory. He published his theory with compelling evidence for evolution in his 1859 book On the Origin of Species, overcoming scientific rejection of earlier concepts of transmutation of species.

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"since the beginning of this year,[link widoczny dla zalogowanych], we have successfully organized 10 times and cultural exchange activities,[link widoczny dla zalogowanych], there are nearly 800 person-time exchanges between China and korea." General manager Weidong Sino-Korean Cultural Exchange Co., Pang Hairong has proudly told reporters. Along with the appearance of Weihai cultural exchanges between China and the action of bridge tower, the early last year before the establishment of the company has tasted the sweetness of the "cultural exchange".
this year,[link widoczny dla zalogowanych], Weihai has successfully hosted the Shandong province folk crafts exhibition for the first time in Korea, this is Shandong province folk crafts the first large-scale overseas exhibition, the works on display are Lu brocade, pottery, carving,[link widoczny dla zalogowanych], embroidery,[link widoczny dla zalogowanych], silk painting,[link widoczny dla zalogowanych], pyrography, lacquer painting, peasant painting,[link widoczny dla zalogowanych], grain painting, gold paste, embossed metal etc.. The adoption agency system to the exhibition and trade, unified agent from a home in South Korea,[link widoczny dla zalogowanych], has the right to export products to the Chinese enterprises as the province of participating enterprises, the product and the export trade of effective docking, exhibition during the activity reached intent agent amount of 15000000 dollars. This activity,[link widoczny dla zalogowanych], opens up a new way for Chinese culture to the world.
Weihai is the nearest city South China Sea line, a distance of only 93 miles. It is 1990 September using the geographical advantages, Weihai - Inchon,[link widoczny dla zalogowanych], the "Jinqiao" round begin navigation. To promote the foreign cultural and economic exchange, leading cultural enterprises to go abroad, to expand the international influence of Chinese culture, the 18 anniversary of the establishment of diplomatic relations in 2010, the favorable opportunity of Weihai seized 20 anniversary,[link widoczny dla zalogowanych], and navigation, fully mining, integration and Korea long formation of the folk cultural and economic resources,[link widoczny dla zalogowanych], planning to carry out the 2010 Sino-Korean Cultural Exchange activities. This activity was listed as Shandong province ICIF sub-venues, which lasted 39 days, have been carried out in 22 activities, about 300000 people participated in the Korean friends, in which nearly 30000 people. This activity by operation of the market means, the government does not spend a penny.
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Chen, this year 22 years old, about the scene at that time, she still be still suffering from the shock. She said: "at that time, stomach pain, but want to leave the toilet already too late."

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An international design festival is underway in Seoul,[link widoczny dla zalogowanych], and artists from around the globe are showcasing creative as well as practical innovations. Organizers also hope the event will highlight the unique qualities of Korean design.
Hang as many clothes as you want from these hooks. That's the idea behind the innovative hooks designed by Sweden's Thomas Bernstrand presently exhibiting in this year's Seoul Design Festival which runs till Sunday. "Both Mattias and I,[link widoczny dla zalogowanych], we do conceptual art,[link widoczny dla zalogowanych], there's always a meaning added to it,[link widoczny dla zalogowanych], so it's not just about a shape. We start with an idea and then we put a shape on that idea,[link widoczny dla zalogowanych]," he said.
The two Swedes designed this lamp, called "Accurate." The light hangs from the ceiling by a standard electric cord,[link widoczny dla zalogowanych], and even though the cord is attached off-centre, the lampshade still hangs incongruously straight.
"Prior to this festival, there really was no formal venue for local designers to meet with international peers to share their ideas and design styles. I hope the event serves as an opportunity for foreigners to discover the unique nature of Korean design,[link widoczny dla zalogowanych], as well as allowing our designers to seek ways to access an audience overseas."
This year's festival,[link widoczny dla zalogowanych], in particular,[link widoczny dla zalogowanych], focuses on new and young designers selected through competitions to provide them with a chance to experience design on a world stage. Artists from Australia,[link widoczny dla zalogowanych], Italy,[link widoczny dla zalogowanych], Sweden and China have been invited to trade ideas and inspirations with local designers. "I work in the field of lighting design. I came here to see works that inspire me in an experimental and creative way."
From a postcard-derived piece to earrings that are made of electric cords and parts the exhibition reveals how design is truly a reflection of our everyday lives,[link widoczny dla zalogowanych].
Arirang TV
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Customers can easily apply for the issuance of credit cards on the Internet. Starting this month, Hyundai Card will implement a start-to-finish online credit card issuance system.