Alzheimer’s – Discovering the Health Insurance Options

Learning that you or your loved one has Alzheimer's disease is a frightening experience. Alzheimer's is a progressively worsening condition of the brain where a person goals who he is, who he knows and what he can do. As a person's Alzheimer's disease worsens, it becomes harder on the caregiver than on the patient. One thing that an Alzheimer patient and his family should not worry about is health insurance. There are a wide variety of options for health care to deal with the associated costs of providing long-term health care to the patient.

Alzheimer's disease often affects the elderly. For now, the government provides federally-funded insurance in the form of the Medicare program which covers many of the costs associated with the disease in those Americans 65 years of age and over who are covered by Medicare. In general, Medicare covers 100% of hospitals and about 80% of non-hospital care. Reports indicate that Medicare covers many Alzheimer's treatments such as doctor visits, physical and speech therapy, mental health care and skilled home nursing care. There is a deductible associated with Medicare. Even with Medicare, many Alzheimer patients require supplemental insurance to cover additional costs not covered by Medicare.

Often, a Medicare patient will have a form of supplementary insurance provided by a private insurance company. This type of insurance coverage is secondary to the coverage provided by Medicare and is also referred to as Medigap insurance. The coverage provided by a Medigap policy of insurance is determined by federal and state law but it can vary quite a bit. If you or a loved one with Alzheimer's disease needs a Medigap insurance policy, then you should carefully consider the policy and the coverage it provides. Read the fine print to ensure that you are getting the coverage you need.

The progress of Alzheimer's disease from the initial diagnosis to the eventual death of the patient can take years. In that way, Alzheimer's is a chronic disease. That is why it is so important to make sure that your loved one has the proper health insurance to provide coverage over the long run. If your loved one is not old enough to qualify for Medicare, you may want to look into disability insurance to cover the costs associated with Alzheimer's. Typically, that type of coverage will pay a percentage of the person's salary from when they were employed. Your loved one may also qualify for social security disability insurance, but qualification can be an intensive process and may require hearings and appearances before the coverage is approved.

If you need assistance in locating coverages to cover this condition, we can help. Please visit our website at http://www.health-insurance-buyer.com and leave your contact information so we may respond to your request and guide you.

The History of Anime – Where Did Anime Start?

Are you interested in Japanese filmmaking, have you ever wondered, while watching their anime, drama or manga, where it all started? Anime first started off in Japan in the 20th century briefly after the boarders were opened in the late 19th. This made the animation techniques that developed in the West easy to transport to Japan by 1914. “The very first three animated films created in Japan fit on one reel and were between one to five minutes long.”(Patten) The content of these works were primarily of old folk tales and samurai legends. Japanese animators were greatly influenced by American animators so the black and white style was a must but the rounded heads and animal adaptations of people was Japan’s first signature to making a style all to their own.

Many animators were urged to produce animations which enforced the Japanese spirit and national affiliation as a result of cultural nationalism, that japanese government began to enforce. Anime started to gain more appeal. The one to five minute shorts about common folk tales gave way to a more Western like style. The change in style meant that Anime was now going in a comedic fashion used to lighten people’s moods on intense topics like war.

In 1970 Anime introduced its most popular style of work yet: Mecha. Mecha, which is short for mechanical, involved large robots that were used in times of war. Also a theme variation started to show itself through Anime. Writers began to twist the good guy/bad guy roles and relationships. The idea of a troubled hero presented itself in shows like Lupin Sansei where a human infected with a demon had to use the evil inside him to defeat other demons.

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Risks and Benefits of Tax Lien Investing

Tax lien investing is something that every serious investor in real estate should consider. But the last thing you must do is leap into it without considering all that's involved.

What are tax liens?

Most states of the USA have a system for collecting unpaid property taxes and enabling reliable payers to be deposited back on the tax roll. These states use either a "tax deed" system or a "tax lien" system, depending on what rights are sold to the purchaser of the property. Under a tax deed system, county Governments will sell full ownership and possession rights to the investor. In tax lien states, it is only the right to the tax lien or tax claim on the property that is sold.

The tax lien is an encumbrance or enforcement right. It provides the investor with the right to receive interest penalty charges if the lien is paid off by the delinquent owner, or the right to foreclose and take title to the property if the lien is not paid.

So tax liens are a highly attractive investment opportunity. These are just some of the many benefits:

· The tax lien is a high priority lien which takes precedence over judgment liens, mortgage liens, trust deeds etc.

· There is the right to collect interest or foreclose. If the lien is redeemed by the delinquent property owner, you can collect a double-digit return. If not, you can foreclose and obtain full ownership rights.

· It is the responsibility of the county to chase up payment – it is not your problem.

· The tax lien is usually for a small fraction of the property's market value, so the investment is highly secured.

· The investor is not subject to land owner liability. This is clearly an advantage, as there are an increasing number of laws against property owners.

· Interest rates are usually 16-24 percent, according to state law.

· The investment is low risk and low maintenance.

So the temptation is to leap blindly into this seemingly very attractive type of investing. But those who do not take care can get their fingers burned. These are aspects you should attend to:

· Assessing the property. Since you are purchasing the lien, not the property itself, it is tempting to go ahead without bothering to view the property. However, the security and value of the lien are based on the actual property. So you do need to see what sort of property it is.

· Market value of the property. There are all sorts of factors that may affect the value of the property and hence the value of the lien. These include zoning regulations, location, city restrictions, flood plain paths etc. Researching these factors is essential.

· Although property tax liens have a high priority, in some states federal and state tax liens share equal priority. Sometimes people who have failed to research survival liens and encumbrances have received a nasty shock when they find their lien is not number one. This shock can easily be avoided with some simple research.

· One risk factor can be created by the delinquent taxpayer becoming bankrupt after the purchase of a lien. The tax lien holder is usually given high priority in this situation. However there could have been a problem in the case of a Chapter 7 bankruptcy where payment of the tax lien has to wait until the expenses of administration are paid.

· If a lien is administrated by the FDIC (Federal Deposit Insurance Corporation) there could be serious delays in the foreclosure process. It is essential to check whether this is so before completing the purchase.

The good news is that most of these risks can be avoided by doing reasonable research before investing. This makes tax liens one of the safest and most profitable forms of investment. And if you as the investor do fall into any of these traps after reading this, you only have yourself to blame!

Stages Of Play Development In Children

For little children, they see the world through play. Experts would refer to play as the work of children. Play allows the child to discover and to experiment the world around him. Moreover, play has several benefits. One, it builds the child imagination. Two, it Promotes social skills. Three, it develops the child's learning and development. Lev Semyonovich Vygotsky, a Soviet psychologist and the founder of cultural-historical psychology, believes that play has a major part in the child's development. From his studies, a child developments abstract meaning separate from the objects in the world. At pee-school age, a piece of wood begins to perform the role of a doll, and a stick becomes a horse.

As children grow and develop, children go through distinct stages of play. It is important that when planning activities for kids, consider how play affects their learning and development. In 1932, Mildred Parten developed the stages of play, each stage is described below.

Unoccupied Play
This is the stage when the child is not engaged in playing and just observing. A child can be simply standing in one spot observing his surroundings.

Solitary
It is also referred to as independent play. In this stage, the child separates himself from others with no reference to what others are engaged to. Experts believe that children at this stage are simply not interested in playing with others because they are ego-centric. Ego-centric is where a person is not able to see a point through another person's perspective. In return, the child individually plays with his toys. Moreover, children between the ages of one and two are very much engrossed with the world around him. During play time, parents will notice a lot of banging, noise-making and imitating.

Spectator
This is the stage when the child is about two and a half year. The child begins to be on a lookout for people around him. A child may show interest on what other children are playing, however the child does not want to join in. A parent will know that the child is in this stage if the child shows interest by pointing or squealing at what others are doing.

Parallel
This stage typically occurs when the child is between two and a half and three years of age. The child may see another child playing and would sit down and play next to him. They are contented to play side by side even without interaction. The reason behind this behavior is that children at this age do not possess yet the skills necessary for playing together. The term cooperation is yet to be learned.

Associative Play
This stage occurs between the ages of three and four and this is the first category that children engage in strong social interaction during play. Furthermore, the child will start to see the benefit of playing with another child.

Cooperative Play
When the child reaches four years of age, he is ready to learn to play cooperatively with other kids. Typically, the play is structured and there is a one clear leader in the group. At times, conflict can raise and it can be easily resolved with less disruptive play. Also, in this stage, children interact and work together towards a common goal.

Modern schools believe that Parten's stages of play has greatly contributed to our understanding of play. It is widely used by parents and child psychology experts to understand children's development. By and large, play therapy is employed in children ages 3 to 11.

Play provides an opportunity for children to express their feelings, emotions and experiences through a natural, self-guided process. Encouraging play is very important because it helps children to communicate. It thus becomes a vital medium for children to recognize and acknowledge themselves and others.