Why Young Adults Should Think About Long Term Care Insurance

By Madeline Binder

The citizens today who are above 51 and below 60 years of age will be, by 2020, part of the 50 million expected senior American citizens living by that time. That number roughly stands for a sixth of the entire population of the US by then, a number which is forecast to reach well into the 320 million mark.

The 2020 projected statistics for elderly people

Thirty percent of those 50 million seniors are predicted to find themselves estranged from or lacking any close relatives who can devote prolonged periods to assisting them and attending to their needs. In other words, an estimated 15 million seniors in 2020 will need to pay for the services of care givers to do their normal and routine activities. This may be for shorter or longer periods of time, depending on their disabilities.

I you are past the age of 51 today and are still not paying for a long term care insurance policy, it is high time you started. Money will never be as important for you as when you need to pay people to do vital things you are incapable of doing. Things like ingesting food, responding to natures call, putting on clothes and possibly even just getting from your bedroom to the kitchen may be difficult or impossible without care givers to assist you.

Long term care insurance takes the difficulty away from growing old

[youtube]http://www.youtube.com/watch?v=qA83Xsj4WHM[/youtube]

In case you find yourself with no one on whom you can depend on for help on a daily basis, your long term care insurance will see to it that you have the means to retain the services of a care giver and to purchase equipment that you require.

Getting a long term care insurance policy on a specific daily rate

The first option you will be given, when you meet with your insurer, is to avail of a policy based on a daily amount of benefit. That can be anything from $20 to $500 daily. The specific range will differ with the different insurance outfits. Your monthly payments for the policy will be pro-rated according to the daily benefit you selected. However, many would rather not avail of this type of computation. That is because they will be forced to pay for goods and care giving services even when their relatives are around to attend to them.

Selecting monthly benefits

The more popular type of long term care insurance is determined by the total expected monthly expenditures of the client. This arrangement offers greater flexibility for people who are intermittently visited by their close kin. Since the budget represents all the expenses for a month, it need not be spent on a daily basis. The benefits may be reserved for those days when the client is without any company in his house. Because receiving benefits may not be typical for all the days in a month, larger amounts can be made available when they are needed.

Sometimes purchasing and installing equipment for the client is covered

You will also find policies that will pay for any construction that needs to be done in the house, as when ramps are made alongside stair steps. Structures like supporting metal bars are also covered.

Close relatives, who are willing and able, may also be trained to assist the client should any emergency arise. This type of policy spends for the training.

You may need to be getting long term care insurance right now

The early fifties is not the perfect time to start paying for your long term care insurance policy but it is better than being without it. But before jumping into the lap of the insurance outfit, make doubly sure that they are reputable, reliable and honest. Take the time to inquire from your friends who have mothers or fathers currently enjoying the benefits of long term care insurance.

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isa result of one year research project by the author when she’as investing her own long term care insurance options. It’s important to get a

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Parents arrested after putting baby on Craigslist

Sunday, June 1, 2008

A couple from Vancouver, British Columbia, Canada has been arrested on charges of public mischief after listing their seven day old baby girl on the popular Internet classified ads website Craigslist.

The listing claimed that the baby was unexpected, “healthy and very cute”. It asked CAN 10 000 for the baby. It also listed a phone number belonging to a stolen cellphone, which was used to find the couple.

It was first noticed by a 62-year old grandmother browsing the website for furniture, who said “I was shaking, and I thought, ‘Come on, how did this even get through?'” The couple claimed that the listing, which has since been removed, was a hoax.

The father, Jeremy Pete, had a history of car thefts and evasion of police, while the mother, 23-year-old Bethany Granholm, had convictions of property theft, fraud and impersonation. The parents have now been released, but charges are still being considered. The baby has been placed in provincial care.

A suspected copycat incident occurred just four days later, also offering a seven-day-old baby girl for CAN 10 000 on Craigslist. This incident turned out to be a hoax, and no child was in danger.

Last week saw a similar incident in Germany, where a couple listed a seven month old baby on eBay. In this case the police have launched a child trafficking investigation, despite the parents’ assertion that the listing was a joke.

Retrieved from “https://en.wikinews.org/w/index.php?title=Parents_arrested_after_putting_baby_on_Craigslist&oldid=2606888”

Wikinews Shorts: February 3, 2010

Wednesday, February 3, 2010

A compilation of brief news reports for Wednesday, February 3, 2010.

The Nigerian man accused of trying to blow up a Detroit-bound jetliner on Christmas day with hidden explosives is cooperating with investigators and providing fresh intelligence after the U.S. enlisted the help of his family, an administration official said. His family persuaded him to cooperate.

Umar Farouk Abdulmutallab has been providing information to Federal Bureau of Investigation agents questioning him, the official told reporters on the condition of anonymity.

The official declined to provide details on what kind of information Abdulmutallab was providing.

Related news

  • “Failed bomb aboard Delta flight” — Wikinews, December 26, 2009

Sources

  • Evan Perez. “Abdulmutallab Resumes Talking to Federal Agents” — The Wall Street Journal, February 2, 2010
  • “Bomb plot accused ‘co-operating'” — UKPA, February 2, 2010

Somajiguda
Somajiguda on the map of India

One person died and 41 were injured, including three nurses who are critically injured, in a major fire at Park Healthcare Hospital in Somajiguda, a suburb of the Indian city Hyderabad, on Tuesday morning.

The fire engulfed a major portion of the five-storey hospital’s first floor, along with some medical equipment and furniture on the other floors.

City police commissioner A K Khan said that a criminal case had been registered against the hospital management. “It is also being determined whether safety standards were followed by the hospital,” he said.

Sources

  • “Major fire at city hospital; one patient dead” — The Hindu, February 2, 2010
  • “Major fire at Hyderabad hospital; one patient dead” — PTI, February 2, 2010

Chinese authorities say they are preparing to launch a crackdown on melamine-laced milk after the scandal over tainted products, which made hundreds of thousands of children ill two years ago and damaged China’s brand reputation overseas, resurfaced.

China has dispatched inspectors to sixteen provinces to urge local governments to thoroughly investigate cases concerning food safety.

The decision comes after milk products tainted with the industrial chemical melamine were removed from sale in Shanghai and the provinces of Shaanxi, Shandong, Liaoning and Hebei, the state-run Xinhua News Agency said.

Related news

  • “Contaminated baby’s milk induces wave of child illness in China” — Wikinews, September 22, 2008

Sources

  • Edward Wong. “China Begins Emergency Check of Dairy Products” — The New York Times, February 2, 2010
  • Cara Anna. “Beijing begins emergency sweep for tainted milk products” — The Boston Globe, February 3, 2010

At least twenty-six people have been killed in Karachi, Pakistan after four days of ethnic killings, according to police officials. The officials said that nine people were killed on Monday in the city’s Orangi western neighbourhood, which has a majority ethnic Pashtun community.

The Sindh government has awarded special powers to the Pakistan Rangers under Section 5 of the Anti-Terrorism Act 1997 and imposed Section 144 in the limits of 26 police stations for a month.

At least forty people were killed as ethnic clashes erupted across the city in early January.Home minister of Sindh province, Dr Zulfiqar Mirza has called upon the Army to restore peace and order.

Sources

  • Salis bin Perwaiz. “Rangers given control of 26 police stations” — The News International, February 3, 2010
  • “Deadly ethnic violence hits Karachi” — Al Jazeera, February 2, 2010
  • Zamir Sheikh and Nisar Mehdi. “Army asked to take over Karachi” — The Nation, February 3, 2010

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_Shorts:_February_3,_2010&oldid=4329096”

How To Plan A Charity Walk Or Run

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How to Plan a Charity Walk or Run

by

Rohan Miller

Charity events in any form are always popular, but increasingly, many organisations are choosing to recruit their fundraisers through more interactive events such as walks and runs. A charity walk or run is not only a healthy way for your participants to raise money for a good cause, but also a very visible way of publicising your charitable cause to the community.

If a charity run or walk seems like a good fit for your organisation, here is an overview of some things you may want to keep in mind when planning the event.

THE PLANNING PHASE

Choosing a Route

When planning a mass participation event such as a walk or run it is important that you first take some time to carefully consider the route your participants will be following. Your choice of route will play a central roll in other decisions you make concerning resources, staff size, security, transportation, volunteers, signage, and ultimately the satisfaction of your participants.

When mapping out the course, first determine the type of event you would like to hold. Most fundraising events try to be as inclusive as possible because, simply put, more fundraisers translates into more donations for your cause! If your goal is to be as inclusive as possible that means you want people of all ages and physical abilities to be able to participate in your event. That said, when choosing your route it is a good idea to not only look at a map but get out there and actually walk the course yourself. When surveying the road, pay attention to elevation gain, traffic, road conditions, and any other factors that could potentially make participating in your event strenuous for the less physically able. You may also benefit from contacting a local running or walking club for suggestions of routes that may fit your participant’s ability levels. Some common route distances for charity events are 5k, 10k, Half Marathon and Marathon.

Saftey

Participant safety is something to strongly consider when mapping out your route. How much traffic travels along your route? Are there adequate pedestrian lanes that will keep your participants a safe distance from the traffic? Does your route require that your participants cross any especially busy streets? Is any stretch of your route undergoing construction? Will the course be open to the public making it easy for non-registered people to come in contact with your participants? Asking yourself these questions will help you chart your course around any potential hazards and allow your participants to have a fun, care-free experience on event day.

Transportation

When choosing the location of your route, also keep participant and spectator access to transportation in mind. If you want crowds of spectators to turn out and easy access to the event for your participants, make sure that the course is in close proximity to public transportation and parking for those who have automobiles. If your event is not in a metropolitan area, it may be a good idea to hire busses and choose some meet up locations where people can catch a ride to the event site.

Resources and Staff

The number of participants and spectators you expect on event day as well as length of course are the two main factors that will determine the size of your volunteer staff and resources needed. Here is a list of items commonly used by event walking and running events:

Two way radios

Rope, tape and cones for course marking

Signage for start and finish areas

Signage for services and support areas

Portable toilets

Trash cans

Food

Water

[youtube]http://www.youtube.com/watch?v=H1m3HmnznHM[/youtube]

Tents

Tables

Stage for awards ceremony

PA system

Generator

Looking at your course map, you will be able to strategically position your water stops, trash cans, portable toilets, concessions stands and so on. When placing these resources, keep in mind that many people will want to gather around in the finish/celebration area after the event so you may need additional resources in that area. When planning for food and water for your participants, you may want to ask a local market to sponsor the event in the way of donated oranges, bananas and water that you can position along the course. For your spectator concession stands, you will need to determine what types of food you will sell and if you will need to prepare or cook food on site. There are many companies that you can hire to staff and prepare food at your concession stands or you could use your volunteers. In either case you should check to see if you need a special permit to sell or prepare food for the public.

Legalities of a Charity Walk or Run

Speaking of special permits, there are several legalities to consider when planning a charity walk or run. Now that you have chosen your route, have you looked to see if you need permission to use this planned route? You may need to speak with the local council or the person who owns the land. Have you checked to make sure there are no other events planned on your route come event day? Have you obtained liability insurance for your event? Ideally, your insurance should cover any medical problems that occur during the event as well as damage to the land and surrounding property. With the size of event you are expecting, are you required to schedule police presence or request road closures? Do you have permission from the organisation you are raising money for to use their logo and name?

Considering every city, town, or district have their own set of regulations, how you address them will depend on local law and requirements. What we highlighted above are only some of the larger items you should investigate. We would suggest contacting your local council for more information.

FINDING PARTICIPANTS

Marketing

Now that you picked an event location and have all of the necessary approvals and permits, its time to start spreading the word! Traditional event marketing consists of mail, tv, radio, newspaper advertisements and signs posted up about town. These methods can be effective, reach large audiences, and should be looked into but they can come at a high cost. Don’t let that get you down though – the internet has spawned many highly targeted, low-cost, and sometimes free marketing channels that are ideal for creating a buzz about your charity event. Here is a list of some web marketing options that you may want to consider:

Build a website – This is a must. Nowadays, any successful event has an official website where they can direct the public, media and interested sponsors for more information.

Facebook, Twitter, Social Media – There are countless online communities and fan pages out there that are filled with people passionate about the same cause you are raising money for. Get involved with these people and immerse yourself in the online conversation. Build a Facebook Fan Page or Twitter page for your event, envite your new online friends and encourage them to recruit their friends to get involved for the cause.

Paid Search Advertising – Google and other search engines allow you to bid on keyword phrases and place an ad at the top of their search results. Try bidding on keywords such as “London charity events” or “London fundraising run”. Create compelling ad copy and entice the user to click through to your official event website for more information.

Submit Your Event to an Online Events Calendar – There are many websites that will give you a free event listing on their online calendar. Submit your event profile to as many of these as possible and make sure to include a link back to your website in the description.

Email Advertising – Does your organisation already have a list of members who subscribe to your monthly newsletter or email announcements? Send your contact list an attractive HTML email with information about your event and a link to your. Make sure to include “share” buttons in your emails to make it easy for the recipient to pass it on to a friend. Also, on your website, Facebook page and Twitter page, include a feature where the visitor can join your mailing list.

Participant Registration

Something important to consider from the start of the planning phase is how you will collect contact information, entry fees, and fundraising commitments from people who want to participate. Until recently, most events collected participant data and entry fees in person in the event office with a paper registration form. To streamline the staff workload that comes along with paper-based registration, you may want to find a technology provider that specialises in event management software and online event registration. An integrated online event management system will allow you to build a custom online registration form, link to that form from your website, and collect your participant contact data online. We would suggest that the technology you choose include a merchant gateway integrated with the registration form so that you can seamlessly and securely collect payment online during the registration process. Depending on your technology provider, the data collected on an online registration form should be captured and stored in a database that you can log into, manage the data, run reports, email participants and process cancellation refunds if needed.

Examples of questions that could be included on a charity walk registration form are:

Name

Address

Email

Phone

Age

Gender

Emergency Contact

Shirt size (if you are offering a free shirt with the entry fee)

How did you hear of this event?

Number of times you have participated in this event

Team Name (if you are offering team fundraising)

What is your fundraising goal?

What distance will you walk?

Will you be attending the pre-event celebration dinner?

If you hope to grow the size of your email database, it is very important that you make the Email question compulsory so that every online registration has an email address associated with it in your database. You will be able to use this email to send out reminder emails about changes to the event schedule or important notices about fundraising. Any fully integrated online event management system will also need the email address to send out an automatic confirmation email letting the registrant know that their payment has been accepted and spot saved for event admission.

Fundraising Tools

Some more advanced event management systems include an online fundraising platform that you can integrate with your online registration form. What’s great about this is that every person who registers online will automatically have an online fundraising website created for them. The fundraiser can customise their website, ad images, set a fundraising goal, blog about their progress and training for the event, and communicate with their donors. The donor can visit the fundraising site and make an online donation with their credit card at which point the donation amount is added to the fundraisers goal total and money is sent to the charitable organisation. Many organisations are moving their fundraising efforts completely online because the general consensus is that people are likely to donate more if they are able to do it online from the comfort of their own home.

Communication up until event day

The key to a successful event is to steadily build the registrant’s excitement and anticipation from the day they register all the way up until they arrive on event day. Participants that register months prior to the event may loose interest or slow down their fundraising efforts if they are not engaged and encouraged on a regular basis. This is where collecting your registrations online will be very useful. Since you have a database of registrants including their email address, you will be able to send out reminder emails and keep the communication going up until the event. Some content ideas for a weekly newsletter could be:

Updates and special announcements of developments to the event schedule or added entertainment

Fundraising Tips

News and articles from the organisation your event will be raising money for

A training plan for those getting in shape for the event

Special contests for the post-event awards ceremony

Free prizes and incentives for those participants that recruit friends to join the cause

You should also send one final email to your registrants 2-3 days before the event including:

Event start time

Instructions on how and where to check in upon arrival

Schedule of events

Reminder to bring extra money if they want to buy merchandise or food at the celebration party

Summary of prizes that will be awarded to the top fundraisers

The cost of late registration if anyone wants to bring a friend to the event

Weather forecast so that people dress appropriately

List of hotels in the area for anyone who plans to stay the night

AFTER THE EVENT

You and your staff may be exhausted after the long build-up to a successful event but believe it or not, you should already be thinking about next year’s event! Considering everyone had a great time, send out a follow-up email and offer your registrants a discounted rate for next year’s event if they register for it now. Or offer them a “returning participant” coupon that they can use when you activate next year’s online registration form. Another smart thing to do is send an online survey out to your participants and ask them what they liked and what can be improved upon for next year’s event. You can offer your participants a free gift or registration discount if they complete the form for you. This participant feedback is extremely valuable and will help you get a sense of the participant experience on the ground that many event organisers are so often shielded from on event day with so many administrative tasks to juggle.

Rohan Miller is an online event specialist for The Active Network. For more resources regarding

Club Management Software

or even about

Membership Management Software

and especially about

Event Management Software

please review these pages.

Article Source:

How to Plan a Charity Walk or Run

Apache pipeline fire – Varanus Island, Western Australia

Wednesday, June 4, 2008

A pipeline rupture and fire at Apache Corporation‘s Varanus Island facility in Western Australia has reduced the supply of natural gas to Western Australia by 30%. 153 employees have been evacuated and 13 employees remain on the island to monitor the situation.

Steven Farris, Apache’s president and CEO said “No one was injured, all personnel are safe, and the rupture and fire appear to be contained on the island…At this time, we cannot estimate when throughput will be resumed.” The facility was producing approximately 330 million cubic feet(MMcf) of natural gas and 8,000 barrels of crude oil per day, this has been reduced to 200 MMcf and 5,000 barrels per day.

Western Australian Minister for Energy Fran Logan said that residential supplies were unlikely to be affected but has called on Western Australians to conserve the use of natural gas. Minister Logan said that Apache supplies primarily large volume users like Alinta Gas and Alcoa, and the major industrial users will be hit the hardest. The aluminum refineries owned by Alcoa, which are dependent on natural gas, have switched to diesel to maintain production.

Apache representatives, including its managing director Tim Wall and fire experts from Singapore, are heading to the site to extinguish the fire and assess the damage. Wall said during a news conference in Perth today that a small fire on a vent had already been extinguished. Apache has invoked a clause in its supply contracts to remove liability for unavoidable catastrophes that prevent them from fulfilling obligations under the contract.

Retrieved from “https://en.wikinews.org/w/index.php?title=Apache_pipeline_fire_-_Varanus_Island,_Western_Australia&oldid=1059890”

National Hockey League news: February 16, 2008

Saturday, February 16, 2008

There were 5 games played in the National Hockey League on February 15, 2008.

Retrieved from “https://en.wikinews.org/w/index.php?title=National_Hockey_League_news:_February_16,_2008&oldid=4576335”

World Cup qualifier may be affected by London Underground strike

Tuesday, June 9, 2009

In the United Kingdom, the National Union of Rail, Maritime and Transport Workers (RMT) began a work stoppage at 19:00 BST (18:00 GMT) today after last-minute talks over pay, jobs and disciplinary issues broke down. The stoppage is expected to last 48 hours and could leave millions of travelers without transportation.

Sky News says that there are fears that the strike may affect fan transportation for the England national football team‘s 2010 FIFA World Cup qualifier match against Andorra at Wembley Stadium tomorrow. Football Association (FA) chief executive Ian Watmore announced that the game would continue as planned at 20:15 BST (19:15 GMT) and encouraged spectators to arrive at the stadium early. The stadium gates will now open at 17:45 BST (16:45 GMT).

No extra transport is being put on and overground trains will not stop at Wembley, and car parking and park-and-ride facilities are unavailable at the ground. Fears of lack of transportation raised the possibility that the game would be forced to play behind closed doors without the team’s supporters.

Watmore said that refunds will be available for supporters that do not attend the game. Last week, the FA decided to halt ticket sales at 70,000 in anticipation of a possible strike. Wembley Stadium can accommodate 90,000 fans for football matches.

In years past, the RMT has been known to clash with the London Underground and its privatised contractors Metronet and Tubelines.

On June 5, London Underground offered staff a four-year pay deal or a two-year deal which they called an “above inflation pay rise”. However, the RMT is seeking a 5% pay raise and a commitment to no compulsory redundancies.

The English national football team currently leads their group in the World Cup qualifying with 18 points and a 6–0–0 record. Andorra currently has no points and has lost all six of their matches. Although Andorra has been eliminated from competing in the 2010 World Cup, England is still competing for better placement.

Retrieved from “https://en.wikinews.org/w/index.php?title=World_Cup_qualifier_may_be_affected_by_London_Underground_strike&oldid=2461640”

Acne A Common Skin Disease To More Than Common Problems}

Acne- a common skin disease to more than common problems

by

Richard MorrissonAcne is perhaps the most common skin disease and is universal. You would find people with red elevations on their face in every part of the globe. Let us simply acne and know more about it. Acne is the root to pimples. In many cases acne and pimples are considered synonyms but there is a difference. Pimples are formed when hair follicles under your skin clog up. Again, pimples are not limited to face only, but they are commonly found on the neck, back, chest and shoulders as well. Who becomes a victim of acne?Anyone. Yes, acne is not at all a teenager skin disease though it is common in teenagers. Since, hormonal change is one of the core causes of acne, teenagers are affected by this in large numbers. It is not a serious skin issue, but it has more psychological effects to the affected person than medical. It really makes you feel conscious and under confident.How to find out you have AcneKnow your acne first, which are of two main types: non-inflammatory and inflammatory. In case of non-inflammatory acne, you would observe just a few whiteheads and blackheads on the face areas. This is a relatively mild case of acne and nothing to worry about. If you seek treatment, then it can be done with nonprescription medicines. If you suffer from acne, there are more chances that it’s non-inflammatory acne. In case of inflammatory acne, the whiteheads get inflamed. With this, red pimples and pustules develop within days. Sometimes, this type of Acne

takes a difficult shape and can cause disfiguring cysts and deep, pitting scars on the face, back, neck, chest and other areas. If this really goes out of hand then you might need a small surgery to get rid of inflammatory completely.

[youtube]http://www.youtube.com/watch?v=BPL3-yn4Ies[/youtube]

What makes acne a worse nightmare?You know it and you have done it. Do not squeeze pimples because popping tends to force the oil and bacteria into the deeper skin layers, causing cysts to develop. If you are into skin scrubs then take a note. Excessive scrubbing irritates the skin and amounts to a loss of skin cells that furthers pore clogging.

The Author is a professional writer, presently writing for

Acne No More

and

Acne Diet

.

Article Source:

eArticlesOnline.com}

Micro-loans to US poor from Bangladesh’s Grameen Bank

Sunday, February 17, 2008

Grameen Bank of Bangladesh has made the first loans to U.S. citizens who do not have a bank account. Grameen Bank is experienced in micro-financing in its home country, lending money to poor women that want to start small businesses.

Since the start of the mortgage-crisis more people in the U.S. tend to turn to fringe financial institutions bypassing the mainstream bank institutes. “Now is a good time because of … the subprime crisis and that highlights the issue that the financial system is not perfect,” , says the bank’s founder and 2006 Nobel Peace Prize winner Muhammad Yunus. Grameen Bank started in 1976 by lending a total amount of $27.00 to 42 Bangladesh women. To date the bank has made over $6.5 billion in loans to 7 million people in Bangladesh.

Grameen Bank’s first loans of approximately $50,000.00 in total in the U.S. was to a group of women in Jackson Heights, Queens, New York City. Garmeen Bank plans to offer $176 million in loans in New York City the next five years, and after that expanding into business as remittances and mortgages all over the U.S., as it has done in Bangladesh.

Retrieved from “https://en.wikinews.org/w/index.php?title=Micro-loans_to_US_poor_from_Bangladesh%27s_Grameen_Bank&oldid=3085523”

Wikinews 2020: An ‘Original reporting’ year in review

Friday, January 1, 2021

After an active year of original content published on the English-language Wikinews, we take a look back at some of the two dozen-plus original reports from our contributors during 2020.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_2020:_An_%27Original_reporting%27_year_in_review&oldid=4641414”