The Cost of Waiting: Consider Long Term Care Insurance Now

A major challenge of retirement planning is finding an affordable way to fund the potential need for extended care, whether in your own home or in a facility. Recent studies show that most Americans underestimate the cost of long term care, while 56% overestimate the cost of the insurance that would defray those very costs.² Delaying the purchase of LTC insurance can have dire consequences.

Nothing impacts policy pricing more than age and health, so the sooner you purchase coverage, the lower the base rate for the life of your policy. Life-altering events can occur at any age, leaving one with few options for LTC insurance. Delaying your decision, plus the impending disappearance of industry discounts, equate to what we call “the cost of waiting.” This means there’s never been a better time for both men and women to research their LTC options than right now.

No-risk LTC consultations are available to our graduates at no cost as part of the UMBC Alumni Insurance Program. Visit http://meyerandassoc.com/umbc/ltc to download a free “10-Point Checklist” and then schedule your risk-free consultation by phone.

Regardless of your present age and health, the longer you wait to start your planning, the more it will cost in the long run—assuming you can still qualify when you’re ready.

Editor’s note: Content provided by Meyer and Associates

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The Independent User Interface (Indie UI) Working Group today published the First Public Working Draft of Requirements for IndieUI: Events 1.0 and IndieUI: User Context 1.0. The document introduces use cases related to the IndieUI specifications and the technical requirements for meeting the use cases. IndieUI: Events defines a way for different user interactions to be translated into simple events and communicated to web applications. With IndieUI, web application developers will have a uniform way to design applications that work for multiple devices and contexts. It is introduced in the IndieUI Overview. One focus of IndieUI is enabling better user interaction in the mobile environment. This Requirements document provides an opportunity for early review of user needs to be addressed by the IndieUI specifications. Learn more about the Web Accessibility Initiative (WAI).

by Janet McGlynn

This is important because:

1. Picturefill was a great solution already, and this brings it into the future encouraging the use of the future proper syntax.
2. You not only can use <picture> but <img srcset> too, which is a close cousin and useful when swapping sources with media queries alone would suck.

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Picturefill 2 is a post from CSS-Tricks

This past December Alex St. Pe was admitted to the 2014 Duke University Global Policy and Governance Program in the Environment, Energy, and Economics track. As part of the program, Alex will participate in a five-day intensive course this summer in Geneva and placed in an environment, energy, and economic policy-related internship.

Given her experience and research interests in offshore wind energy science and policy, Alex has been selected to intern with the United Nations Economic Commission of Europe (UNECE) Sustainable Energy Division. This June - August, Alex will be interning at their office in Geneva, assisting with preparation for the 2014 meetings of the Committee on Sustainable Energy, particularly with the Group of Experts on Renewable Energy. Alex will also conduct research and draft studies related to sustainable energy sources, particularly offshore wind. Alex is looking forward to gaining international insight for her Ph.D. research and working amongst inspiring renewable energy leaders from around the world!