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The Flu and You..
You've no doubt heard about the rapid spread of the
Bird Flu over the last several months. My personal
observation is that these things are often blown all
out of proportion by the press. Remember when all
the computers in the world were going to grind to a
halt at the beginning of year 2000? Or, was it the
middle of 2000? All that really happened is a lot of
people were frightened and did irrational things. And,
Y2K consultants made great money for a while.
Want to try an interesting experiment? Go to
Monster.com and enter the search term Y2K. I got
11 hits for the entire job universe. And, all the
references were buried deep in the posting text.
Another huge earth shaking event that, in reality,
was little more than a flash in the pan.
All the flap over new fangled computers
was especially distressing to seniors. Many were
already suffering from computer-fobia. After my
father passed away, I discovered a dozen or so old
milk bottles filled with water in my mother's
basement. She had filled them and carried them
down the stairs herself because someone told her
that the water utilities would fail when all the
computers "blew up." There was a far greater risk
that she would fall down the basement stairs carrying
the water than that she would suffer any ill effects
from Y2K.
All I'm saying here is don't panic.
Stay alert to what is actually happening in the world.
And, take rational precautions if you feel so
compelled. Also, it wouldn't hurt to stash a few milk
bottles filled with water in your basement.
NPR Bird Flu Web Page.
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My lead article this month is about the Bird Flu. I
don't know if this latest "scare" is real or not. But,
we do have real historical reason for
concern. After all, the great flu pandemic of 1918
killed 50 million people. That's more than any other
disease in the history of the world. So, a little error
on the side of caution here might be a good idea.
Panic, on the other hand, serves no one.
Of course our government and The World Health
Organization (WHO) are working on plans to
neutralize this looming threat. I'm sure this gives
everyone great comfort. WHO's plan involves heavy
doses of Tamiflu and quarantines. But, many in the
medical community question the value of this plan. I
have no opinion as to the seriousness of
this threat. But, I have seen panic before. And,
somtimes
the public's reaction to anticipated events can cause
more dammage than the acutal event.
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| Medicare Part D |
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On March 15, 2006 The Senate authorized President
Bush to extend the deadline for enrollment in the
Medicare Part D drug program. The Senate also
passed an amendment to allow Medicare to negotiate
prescription drug prices. The media has reported
that doctors and pharmacists are concerned about
Medicare beneficiaries getting the drugs they need as
the "transition period" ends that required plans to
provide the drugs seniors were taking before the drug
program.
To learn more about Medicare Part "D" please click on
the link below. This is a link to the official
Medicare "The Facts About Medicare Drug Plans"
document. You'll need the Adobe Acrobat reader on
your computer to view this document.
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Official Medicare Part D Publication |
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| Long Term Care Insurance |
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If you are older than 40 years old and haven't made
arrangements to secure Long Term Care Insurance.
You really should
consider your options now. Delay can be very
expensive.
In general, Long Term Care
Insurance makes good financial sense for those
with a net worth of greater than $100,000 and less
than $2,000,000. People with net worth less than
$100,000 will soon exhaust their resources and
qualify for Medicaid, those with greater than
$2,000,000 net worth can afford to self-insure. With
over 100 Long Term Care Insurance products on the
market it's important to seek guidance from someone
who has studied these products and is qualified to
make recommendations.
I have developed a presentation designed to help you
determine if you need Long Term Care Insurance;
and, if so, how to go about identifying the right
product. I can present this information to you, in as
little as 20 minutes, right in your own office or home.
Just email or call me at (214)227-8735 to schedule
an appointment or phone consultation.
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Contact us.. |
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| Top Ten Life Insurance Blunders |
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If you're considering buying, increasing or replacing
your life insurance there are many pitfalls to
consider. I've composed a list of the Top Ten
blunders I see clients make over and over. Click on
the web link to see all ten. Then call or email for a
free no-obligation quote.
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Link to Top Ten Blunders.. |
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| $25.00 Off Dinner Out |
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Here's an offer you can't refuse: Send me a referral
and I'll send you a restaurant.com coupon for $25.00
off dinner out. You pick the restaurant from
restaurant.com's huge list of local eateries. Click on
the link below for details.
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$25.00 Referral Offer... |
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