Tag: planning

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Keep Clean

Planning For Long-Term Care – An Alternative to Insurance

If you are over 65, you probably have a revocable living trust and a burial plan. And you probably do not have a plan for long-term care. If not, you aren’t alone – recent statistics say that 93% of seniors are in the same boat. That’s dangerous, because a Harvard study concluded the number one cause of senior bankruptcy is costs associated with a long-term illness.
Statistics say that 7 in 10 seniors will require some form of care in their lifetimes – 4 in 10 will need care for two years or more. With the costs of a nursing home in California averaging about $8,000 per month, you can see how large the problem truly is.
Most seniors who have investigated long-term care insurance have found it to be cost prohibitive. For a healthy couple, $200-400 per month will only buy protection for about two-thirds of the costs. If they have had a medical challenge, it can range much higher. Many have chosen to take their chances and do nothing.
There is another option – government benefits exist for long-term care. In fact, benefits are available for in home care, assisted Are Pesticides Safe After They Dry living, and skilled nursing homes. About two-thirds of all patients in a nursing home are receiving these benefits already.
The downside of benefits is that they usually come with strings attached. If you have heard anything about these benefits, you probably are under the impression you cannot have any savings and that your home will be lost after your death. Those are both possibilities in a worst case scenario. However, remedies exist to protect your assets, savings, investments, and your home.
If you are serious about getting benefits when you need care, do something today. There are two good reasons: 1) to identify any assets that might be lost if you need benefits, and 2) so you can make your own decisions. If you don’t do something in advance, someone else will be forced to do Best Indoor Insecticide so when an emergency occurs. They will be dealing with all sorts of resulting guilt and emotion. You are in the best position to protect what you’ve built. You are in the best position to take the burden off your loved ones. A little planning today can help protect your assets tomorrow.…

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Rodent Control

Planning Out Your Next Garden

Gardening is a fun hobby that has multiple benefits; it makes your home look beautiful, it can act as an early warning for pests, and you can grow food bearing plants and other beneficial herbs for your kitchen. Start by making plans for your garden, write down a list of tools, plants, herbicides and other things you will need. Expect hidden costs within every phase of your project, try to save money and keep a surplus of funds in case you missed something.
Start by planning where your garden will go, try to keep it away from your house, you do not want to be putting extra water in the soil near your home, this will invite termites and other pests as well as increase the chances of flooding parts of your basement! Find a good area away from your home. Use a garden hose to create a line of where the border How To Identify Disease In Plants of your garden will be, if you are going to be removing grass then there is an easy method to remove it. Use a spade and dig about three inches down, then use the spade as a ‘scraper’ put the edge of the shovel under the sod and hold it like a canoe paddle, pushing down on the handle will loosen the sod and give you space to push the shovel farther in.
The sod will come up like a carpet and you can dispose of it or use it as compost. Pour potting soil in the area you have dug up and install a grass guard, this will keep from your lawn growing into your garden, its required to keep maintenance low! Place the plants laying on the soil so you can arrange where you want your plants before planting Pesticide Chemical Families them, when you have decide start planting and remember to water them as soon as you are done planting. With all of your plants planted you will need to lay a good mulch, mulch may attract termites in time, but its better than letting termites get to your home! And when you find termites in your garden, you can take measures to protect your home.
Mulch also inhibits weeds from growing, and when they do you can easily see them and pull them out. If you intend to plant vegetables or fruit trees remember that some plants are fragile and will need cages (such as tomatoes) and very small trees in windy areas will need supports when they grow.…

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