Attracting Your Perfect Love Match, presented by Relationship & Life Coach JoAnn Simmons, MA, RCC. Sept. 9, 2009 at 7 :00 pm EDT


Discover the powerful Law of Attraction methods that everyone who is Single needs to know -- from the author of "Stop Looking and Let True Love Find You!" Learn how to avoid costly dating mistakes and create your own dating plan to attract love to you - with ease. When this singles Counselor applied these powerful principles to her own life, she soon met and married her soul mate. You can, too!
Click here to register. Use coupon code SPECIALOFFER (no spaces) to listen for f.ree.

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Woman of the Week : Barbara Yolles-Hill

Barbara Yolles-Hill is the founder of A Little Something Extra, a company making gift baskets of personalized, custom chocolates.

Until recently, she didn't even realize she wanted to be an entrepreneur. It was only after feeling a need for, well, a little something extra that Barbara turned it into a business.

After moving from New York to Florida as a teenager with her family, Barbara studied graphics in school. She spent almost 25 rewarding years in the industry. But something was missing. The problem wasn't boredom or too much free time. As a single mother with two teen boys, three dogs, a cat and a full-time job as a production supervisor for multi-million dollar catalog company, Barbara's plate was pretty full.

She still needed an outlet for her creative side. Something fun. Something rewarding - personally and financially. That's when Barbara came up with A Little Something Extra.

The idea is both sweet and simple. She starts with crowd-pleasing classic Hershey® bars and dresses them in wrappers customized to match an event's theme. Decorations can include corporate logos, graphics, personal inscriptions and even a rhinestone for extra special sparkle. Beautifully wrapped baskets of the custom bars are perfect gifts for anything from intimate parties to large corporate training events.

The best part is that Barbara's baskets aren't just products. They're creations she enjoys making and her clients really enjoy giving.

You can see samples of A Little Something Extra's custom baskets and chocolate on Facebook - just search for her name. Contact Barbara at 954-829-8862 or ALittleSomethingExtra@comcast.net to make your gathering a little more special.

Long Term Care Insurance

Long Term Care Insurance:
What you should know to make the best choices.
By SUSAN L. AMES CLU, ChFC


Why should you consider long term care insurance?
70% of people over age 65 will require long term care during their life time. The average annual cost of a private nursing home room in 2008 hit $76,285 according to the Department of Health and Human Services. With a 3% inflation rate, this means the same room will cost close to $130,0.00/year by 2030. With the average stay in a nursing home being 2.5 years, the total cost would come to $37.5,000 by 2030.

Who should buy long term care insurance?
Healthy people with net assets of $500,0.00 to $2,00.0,000. Above that level, you may want to self-insure. The best time to buy long term care insurance is when you are in your late 50's or early 60's. It makes sense to purchase long term care insurance if you have a family history of health issues that lead to dementia, Alzheimer's, diabetes or a long life span.

Who should not buy long term care insurance?
You currently receive or may soon receive Medicaid benefits.
You have limited assets and can't afford the premiums over the lifetime of your policy. Your only source of income is a social security benefit or supplemental security income.

How do you select an insurance company?
When selecting an insurance company check the company's rating by one of the rating services: A.M. Best, Fitch, Standard & Poor's, Duff & Phelps, Moody's or Weiss. Consider the company's reputation, claims paying history and commitment to the long-term care market. A company that has sold a lot of long term care health insurance policies has a larger risk pool, thus reducing the threat of large premium increases in the future.

What services should your policy cover?
Your Long Term Care Health Insurance should cover home health care, assisted living facilities, hospice care (either at home or in a facility), adult day care, nursing home care along with additional benefits such as caregiver training of a friend or relative, equipment and home modification such as ramps, stair lifts and grab bars.

The level of coverage falls into three categories:
Skilled Care includes nursing care, physical, occupational, respiratory and speech therapy or rehabilitation performed by licensed professionals.

Intermediate Care occurs when a person receives nursing care or rehabilitation on a regular basis but not full-time.

Custodian Care is not medical care and includes assistance with activities of daily living i.e. personal hygiene, simple health care tasks, managing medications and homemaker services such as meals, laundry and light housekeeping performed by home health aides and personal care attendants.

The insurance policy should not require having skilled care before paying for custodian care.

Susan L. Ames CLU, ChFC owns Ames Financial Group a financial planning firm located in Boca Raton that specializes in working with business owners, women post-divorce and widows. She is also the founder of Education For Life's Journey, Inc. which presents the "Second Saturday: What Women Need To Know About Divorce" seminars in South Florida. Visit her websites at www.amesfg.com and www.eflj.org .

Facebook & Twitter Fortunes: How To Strategically Grow Your Business

Facebook & Twitter Fortunes: How To Strategically Grow Your Business Using the Top Two Online Social Networks. Presented by Mari Smith, Relationship Marketing Specialist and Social Media Business Coach. September 15, 2009 at 7:00 pm EDT. Click here to register Use coupon code SPECIALOFFER (no spaces) to listen for f.ree.

During this information-rich session, Mari will share proven strategies for generating significant online profits using social media, including: How to design a powerful social media strategy using the right tools for your business,the most effective ways to establish yourself as a thought leader in your industry, simple strategies to powerfully leverage your visibility and brand, how to drive a flood of traffic to your website and blog and more!

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Woman of the Week :Colleen Bushby

Colleen Bushby is The Savvy Divorced Chick and founder of SavvyDivorcedChick.com and the creator of SavvyDivorcedChickCafe.com.

After almost 15 years of marriage, she walked out of divorce court no longer part of a couple. Navigating the pain of divorce with four young children, a new business, and an older home that needed work, like many divorced women Colleen felt afraid, overwhelmed and lonely. There was great support from family and friends, but no one in her inner circle that was divorced. Colleen went in search of a positive, supportive community of divorced women online, but never found one that met her needs.

An unexpected result of her divorce was that she discovered her gift and passion for helping women through their own divorce transitions and created the Savvy Divorced Chicks community. Her goal is to empower divorced women to turn their pain into power, security and direction. No matter where a woman may be in her life after divorce, the Savvy Divorced Chicks community has resources, tools, and events to lead a life that is better, not bitter, after divorce!

Colleen has an MBA, more than 20 years experience as an entrepreneur, and trained at the Coaches Training Institute. She currently resides in Connecticut with her children and is definitely living a life that is better, not bitter. For more information, visit:
www.SavvyDivorcedChicks.com