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Brought
to you by:
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| McCormick Klessig & Associates
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About Our Firm:
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McCormick-Klessig & Assoc., Ltd. provides individuals, families, small and medium sized businesses with complete coverage of personal and business risks in all product lines: Commercial Personal Life Accidental and Health ( including group products).
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| QUOTES from
the
Masters... |
| On Experience |
On Mastery |
| "Don't
let the learning from your own experiences take too long. If you have
been
doing it wrong for the last ten years, I would suggest that's long
enough!"
-– Jim Rohn
"For
years I have been accused of making snap judgments. Honestly,
this
is not the case because I am a profound military student and the
thoughts
I express, perhaps too flippantly, are the result of years of thought
and
study." -- George
S. Patton
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"With
more success, comes greater problems along with greater ability to
solve
them." -– Mark Victor Hansen
"Challenge
everything you do. Expand your thinking. Refocus your efforts.
Rededicate
yourself to your future." -– Patricia
Fripp
"A
professional is a person who can do his best at a time when he doesn't
particularly feel like it." -- Alistair
Cooke
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Long-Term Care...Did You Know? |
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Did You Know?...
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At age 65, people
face at least a 40% risk of entering a nursing home at some point in
their
lifetime and about 10% will have a stay of five years or longer. (Source:
AHIP, A Guide to Long-Term Care Insurance, 2004) |
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| > |
Because women
generally outlive men by several years, they face a 50% greater
likelihood
than men of entering a nursing home after age 65. (Source:
AHIP, A Guide to Long-Term Care Insurance, 2004) |
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| > |
The average daily rate in 2009 for a private room in a nursing home was $219, an increase of 3.3% from 2008. (Source: 2009 MetLife Market Survey of Nursing Home, Assisted Living, Adult Day Services, and Home Care Costs) |
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| > |
The average length
of a nursing home stay is about 2.4 years. (Source:
CDC/NCHS Health Care in America, Trends in Utilization; U.S. Department
of Health and Human Services; January 2004) |
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| > |
At an average
daily rate of $219, an average nursing home stay of 2.4 years costs
about
$192,000, making it virtually unaffordable for many Americans. |
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| > |
Medicare does not pay for long-term care services, as explained in the Social Security Statement mailed to workers each year:
“About Social Security and Medicare...Social
Security pays retirement, disability, family and survivors
benefits. Medicare, a separate program run by the Centers for
Medicare & Medicaid Services, helps pay for inpatient hospital
care, nursing care, doctors’ fees, drugs, and other medical
services and supplies to people age 65 and older, as well as to people
who have been receiving Social Security disability benefits for two
years or more. Medicare does not pay for long-term care, so you may want to consider options for private insurance (emphasis added).” |
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| MESSAGES
from
the Masters... |
CHANGE BEGINS WITH CHOICE by Jim Rohn
Any day we wish; we can discipline ourselves to change it all. Any day
we wish; we can open the book that will open our mind to new
knowledge. Any day we wish; we can start a new activity.
Any day we wish; we can start the process of life change. We can
do it immediately, or next week, or next month, or next year.
We can also do nothing. We can pretend rather than
perform. And if the idea of having to change ourselves makes us
uncomfortable, we can remain as we are. We can choose rest over
labor, entertainment over education, delusion over truth, and doubt
over confidence. The choices are ours to make. But while we
curse the effect, we continue to nourish the cause. As
Shakespeare uniquely observed, "The fault is not in the stars, but in
ourselves." We created our circumstances by our past
choices. We have both the ability and the responsibility to make
better choices beginning today. Those who are in search of the
good life do not need more answers or more time to think things over to
reach better conclusions. They need the truth. They need
the whole truth. And they need nothing but the truth.
We cannot allow our errors in judgment, repeated every day, to lead us
down the wrong path. We must keep coming back to those basics
that make the biggest difference in how our life works out. And
then we must make the very choices that will bring life, happiness and
joy into our daily lives.
And if I may be so bold to offer my last piece of advice for someone
seeking and needing to make changes in their life - If you don't like
how things are, change it! You're not a tree. You have the ability to
totally transform every area in your life - and it all begins with your
very own power of choice.
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The purpose
of this newsletter
is to provide information of general interest to our clients, potential
clients and other professionals. The information provided is
general
in nature and should not be considered complete information on any
product
or concept described. For more complete information, please
contact
my office at the phone number above.
Quest Capital Stratagies
25231 Paseo de Alicia, Suite 110
Laguana Hills, CA 92653-4615
(800) 527-9989
Member FINRA and SIPC FINRA is located at www.finra.org.
SIPC is located at www.sipc.org.
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