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-20%  Dylan Smith-24%  TaylorRice
-02%  K.Magee-26%  AlexCastillo
-15%  BobBaffert-26%  MariaRemedio
-18%  Jamie Ness-26%  MariaRemedio
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-18%  DaleRomans-26%  RHomeisterJR
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-21%  DougO'Neill-36%  M.Fadlovich
-22%  MarkHennig-21%  NatashaCoddington
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Learn more about Boingo Global The Bottom Line: The Apple AirPort Extreme cures networking headaches for novice Mac users with a simple setup, but competing devices offer Windows users more network customization and faster speeds for less. Read review Specs: Apple AirPort Extreme Base Station - Wireless access point, IEEE 802.11b, IEEE 802.11n, IEEE 802.11a, IEEE 802.11g he Bottom Line: The Netgear WNDR3700 RangeMax Dual Band Wireless-N Gigabit Router is a great dual-band router for networking enthusiasts who also want a quick and easy network storage solution. Read review Specs: Wireless router, 8.8 in x 6 in x 1.2 in, Wireless, Wired, Ethernet, HTTP, 1.1 lbsThe Bottom Line: With the latest firmware update, the D-Link DIR-655 is arguably one of the best among single-band Wireless-N routers on the market. 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Read review Specs: Wireless router, Wireless, Wired, 450 Mbps, PPPoE, PPTP, HTTP, HTTPSIndex= 19 Title=Medicare and Retirement [] Medicare and Retirement Medicare is a national social insurance program, administered by the U.S. federal government since 1965, that guarantees access to health insurance for Americans ages 65 and older and younger people with disabilities as well as people with end stage renal disease. As a social insurance program, Medicare spreads the financial risk associated with illness across society to protect everyone, and thus has a somewhat different social role from for-profit private insurers, which manage their risk portfolio to maximize profitability by denying coverage to those they anticipate will need it.[1] In 2008, the US Federal Goverment spent 391,266,000,000 dollars on Medicare.[2] Medicare offers all enrollees a defined benefit. Hospital care is covered under Part A and outpatient medical services are covered under Part B. To cover the Part A and Part B benefits, Medicare offers a choice between an open-network single payer health care plan (traditional Medicare) and a network plan (Medicare Advantage, or Medicare Part C), where the federal government pays for private health coverage. A majority of Medicare enrollees have traditional Medicare (76 percent) over a Medicare Advantage plan (24 percent). Medicare Part D covers outpatient prescription drugs exclusively through private plans, either standalone prescription drug plans or through Medicare Advantage plans that offer prescription drugs In 2010, Medicare provided health insurance to 48 million Americans—40 million people age 65 and older and eight million younger people with disabilities. Medicare serves a large population of old, sick, and low-income people. On average, Medicare covers about half (48 percent) of health care costs for enrollees. Medicare enrollees must cover the rest of the cost. These out-of-pocket costs vary depending on the amount of health care a Medicare enrollee needs. They might include uncovered services—such as long-term, dental, hearing, and vision care—and supplemental insurance.[3] In general, all persons 65 years of age or older who have been legal residents of the United States for at least 5 years are eligible for Medicare. People with disabilities under 65 may also be eligible if they receive Social Security Disability Insurance (SSDI) benefits. Specific medical conditions may also help people become eligible to enroll in Medicare. People qualify for Medicare coverage, and Medicare Part A premiums are entirely waived, if the following circumstances apply: They are 65 years or older and U.S. citizens or have been permanent legal residents for 5 continuous years, and they or their spouse has paid Medicare taxes for at least 10 years. or They are under 65, disabled, and have been receiving either Social Security SSDI benefits or Railroad Retirement Board disability benefits; they must receive one of these benefits for at least 24 months from date of entitlement (first disability payment) before becoming eligible to enroll in Medicare. or They get continuing dialysis for end stage renal disease or need a kidney transplant. or They are eligible for Social Security Disability Insurance and have amyotrophic lateral sclerosis (known as ALS or Lou Gehrig's disease). Those who are 65 and older must pay a monthly premium to remain enrolled in Medicare Part A if they or their spouse have not paid Medicare taxes over the course of 10 years while working.[20] People with disabilities who receive SSDI are eligible for Medicare while they continue to receive SSDI payments; they lose eligibility for Medicare based on disability if they stop receiving SSDI. The 24 month exclusion means that people who become disabled must wait 2 years before receiving government medical insurance, unless they have one of the listed diseases . Some beneficiaries are dual-eligible. This means they qualify for both Medicare and Medicaid. In some states for those making below a certain income, Medicaid will pay the beneficiaries' Part B premium for them (most beneficiaries have worked long enough and have no Part A premium), as well as some of their out of pocket medical and hospital expenses. In 2008, Medicare provided health care coverage for 45 million Americans.[21] Enrollment is expected to reach 78 million by 2030, when the baby-boom generation is fully enrolled.[ - Medicare Guide to Covered Products, Services ... is your gateway to Medicare covered products, services and information. Find covered equipment and supplies or learn how to qualify and enroll in Part D ... - Cached Ohio Medicare Oh, Hi; Looking for Medicare in Ohio? We're here to help. ... Compare Medicare Plans Today and Find the Right Coverage for You - Cached - A Senior Resource for Medicare and Healthcare ... News site template Joomla 2.5 for newspaper ... Original Medicare is one of your health coverage choices. You will have Original Medicare unless you choose to join a ... - Cached - Your Medicare Coverage This section of provides information about Medicare coverage. - Cached Medicare This booklet provides basic information about what Medicare is, who is covered and some of the options you have for choosing Medicare coverage. - Cached Part A covers inpatient hospital stays (at least overnight), including semiprivate room, food, and tests. Part A covers brief stays for convalescence in a skilled nursing facility if certain criteria are met: 1.A preceding hospital stay must be at least three days, three midnights, not counting the discharge date. 2.The nursing home stay must be for something diagnosed during the hospital stay or for the main cause of hospital stay. 3.If the patient is not receiving rehabilitation but has some other ailment that requires skilled nursing supervision then the nursing home stay would be covered. 4.The care being rendered by the nursing home must be skilled. Medicare part A does not pay for custodial, non-skilled, or long-term care activities, including activities of daily living (ADL) such as personal hygiene, cooking, cleaning, etc. The maximum length of stay that Medicare Part A will cover in a skilled nursing facility per ailment is 100 days. The first 20 days would be paid for in full by Medicare with the remaining 80 days requiring a co-payment (as of 2012, $144.50 per day). Many insurance companies have a provision for skilled nursing care in the policies they sell. The maximum length of stay that Medicare Part A will cover in a hospital inpatient stay is typically 90 days. The first 60 days would be paid for in full by Medicare. Days 61-90 require a co-payment (as of 2012, $289 per day). The beneficiary is also allocated "lifetime reserve days" that can be used after 90 days. These lifetime reserve days require a copayment (as of 2012, $578 per day), and the beneficiary can only use a total of 60 of these days throughout their lifetime.[22] If a beneficiary uses some portion of their Part A benefit and then goes at least 60 days without receiving facility-based skilled services, the 100-day clock is reset and the person qualifies for a new 100-day benefit period. Part B: Medical insurance Part B medical insurance helps pay for some services and products not covered by Part A, generally on an outpatient basis. Part B is optional and may be deferred if the beneficiary or his/her spouse is still working and has group health coverge through that employer. There is a lifetime penalty (10% per year) imposed for not enrolling in Part B unless actively working and receiving group health coverage from that employer. Part B coverage begins once a patient meets his or her deductible ($140 in 2012), then typically Medicare covers 80% of approved services, while the remaining 20% is paid by the patient.[23] Part B coverage includes physician and nursing services, x-rays, laboratory and diagnostic tests, influenza and pneumonia vaccinations, blood transfusions, renal dialysis, outpatient hospital procedures, limited ambulance transportation, immunosuppressive drugs for organ transplant recipients, chemotherapy, hormonal treatments such as Lupron, and other outpatient medical treatments administered in a doctor's office. Medication administration is covered under Part B if it is administered by the physician during an office visit. Part B also helps with durable medical equipment (DME), including canes, walkers, wheelchairs, and mobility scooters for those with mobility impairments. Prosthetic devices such as artificial limbs and breast prosthesis following mastectomy, as well as one pair of eyeglasses following cataract surgery, and oxygen for home use is also covered.[24] Complex rules are used to manage the benefit, and advisories are periodically issued which describe coverage criteria. On the national level these advisories are issued by CMS, and are known as National Coverage Determinations (NCD). Local Coverage Determinations (LCD) apply within the multi-state area managed by a specific regional Medicare Part B contractor, and Local Medical Review Policies (LMRP) were superseded by LCDs in 2003. Coverage information is also located in the CMS Internet-Only Manuals (IOM), the Code of Federal Regulations (CFR), the Social Security Act, and the Federal Register. Index= 19 Title=retirement planning [] You'll regret it. Maybe not today, maybe not tomorrow, but soon, and for the rest of your life." Those words, spoken on a tarmac at the finale of the classic film "Casablanca," could be stretched from the intended affairs of the heart to how we plan for retirement. There are financial decisions we make that seem a good idea at the time, retirement moves we make halfheartedly and needed plans we sweep under the carpet. When it comes to ensuring a lifetime of retirement income, bad decisions may not hurt immediately, but once the pain arrives it can last for decades. Retirement financial planning software Here are five retirement mistakes that will haunt you, and ways to avoid the haunting entirely: 1. Guesswork, not legwork How much will you need to retire? That straightforward question should be a starting point for people of all ages, at all stages of planning. A great number of people, however, do no more than guess at what they should save. Is retirement a thing of the past? Retirement worries? Money expert Amey Stone answers top questions According to the Transamerica Center for Retirement Studies, a nonprofit organization funded by Transamerica Life Insurance, half of workers continue to guess at the amount of money they need to save to feel financially secure when they retire, and a large number (44%) of American workers do not have a strategy to reach their retirement goals. Of those who do have a strategy, only half have factored in health care costs and one-fifth have factored in long-term care insurance, so their estimates can be inadequate. A reduction or loss of Social Security benefits ranks third in greatest retirement fears. As part of its research, Allianz Life asked a segment of baby boomers how much money they thought they would need to live on. "The average number they came up with was $60,000," says Katie Libbe, vice president of Consumer Insights for Allianz Life. "Then we asked them to try to calculate what that means in terms of a portfolio that's going to deliver that for as long as they think they are going to be in retirement. They were at a loss in terms of what they would need. "They said $500,000 when, if you just apply a 4% withdrawal to that portfolio, they would really need $1.5 million," Libbe said. "They don't know how to do even this basic calculation. You can teach them about some of these individual tactical mistakes, but they can be off even in the strategic sense of how much money needs to be socked away." Not only is there the danger of not ensuring the longevity of your savings; there is also the temptation of being unreasonably aggressive with your portfolio to make up for not saving as much as you should have. (Are you saving enough for retirement? Use this MSN Money calculator to find out.) Health care costs also need to be considered. According to research by Allianz Life, the average couple retiring at age 65 will spend approximately $285,000 in health care costs in retirement. As life expectancies continue to increase, baby boomers need to have a plan for covering some portion of managed care for an elderly parent as well as for themselves. Health care costs, Libbe says, could "eat into a good chunk of their nondiscretionary dollars, which means fewer dollars available for all the fun things they want to do in retirement." 2. 'I'll just keep working' Most people assume they will retire at a certain age, and many look to salvage inadequate savings by working later into life. But according to Limra, a global association of insurance and financial services companies, two in five people retire earlier than planned due to a number of factors, including layoffs or illness. For those assuming they will work part time in retirement, many can't due to circumstances beyond their control. . "We did some research recently where we found out that a lot more baby boomers are planning to work longer," Libbe says. "That's basically their backup plan for not having saved enough for retirement. The Limra statistic about two in five people retiring earlier than they expected just shows you can't count on working longer being your plan." Making the prospect of retiring ahead of schedule all the more precarious is that 70% of respondents to the Transamerica Center survey agreed they could work until age 65 and still not have enough money saved to meet their retirement needs. "Planning not to retire is simply not a viable retirement strategy," says Catherine Collinson, the president of the center. "Planning to work past age 65 is an important opportunity to continue earning income, save more and help to alleviate a retirement savings shortfall. 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