Saturday, February 23, 2008 

Long Term Care Insurance Policy

Most young people ignore the fact that they will grow old one day. It is the wise ones who not only think about it but also provide for their future. Statistics show us that almost one out of two Americans require long term care when they grow old. Due to immobility and illness people become dependant on families and institutions to carry out normal daily activities such as dressing and bathing.

Long-term care refers to a system where this can be taken care of in your own home, a hospital, a home center or an assisted living facility. It could be a reality to many who have led a strong and active life earlier. This is why its importance is growing each day. Most Medicare programs and State Medicaid programs do not provide the necessary facilities for payment. Some only cater to those who fall below the poverty line. Therefore, it is prudent to consider applying for a Long Term Care Insurance policy early in life.

If you have worked all your life and have made a substantial saving, then perhaps you can fund your own long-term care. Unfortunately, not everyone is so lucky and therefore long-term care insurance is very vital to secure a safe future especially for those who have a history of health problem in the family.

Like for any other policy, it is best that you know all the details prior to buying one. Often times, people forget that premiums for life insurance policies increase over time. This makes it difficult to pay especially when there is no enhancement of the financial situation. Thus, policies are cancelled when they are needed most because policyholders cannot continue to pay high premiums. It is easy to get drawn into buying a policy because market savvy sales executives make it sound so easy. But, it is up to the individual and insurance advisors to properly instruct prospective customers.

One sure way of protecting yourself is to be sure of all the terms and conditions given in the long term care insurance policy document. If the insurance sector is not your cup of tea; you could hire an agent or a broker who will act on your behalf. They will be experts on quotes, claims, processes and other issues. You need to also be careful on selecting the right broker at the right cost. Long-term care insurance not only provides security for you, but for the entire family. So you can take their advice before buying a policy. Remember, to choose an insurance company that is reputable and trustworthy. You can take it for granted that sales people will only state the benefits of a policy. They will not tell you the flip side of the story. Do not rely on brochures and other sales oriented literature to make your decision.

To summarize, a long-term care insurance policy can be used for different types of long term care such as skilled nursing, intermediate nursing and custodial care. The kind of care you choose largely depends on your physical health and situation. This kind of insurance is definitely worthwhile and affordable when you think of life beyond 65 years of age.

Robert Lawrence co-founded Insurance4USA.com, an insurance quote shopping service - http://www.insurance4usa.com, in 1999. He has been a licensed insurance agent in New York State since 1990.

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Tenerife's Golf Course Information

Tenerife's mild and sunny year-round climate makes it a golfer's dream destination and the island is home to a number of world-renowned golf courses. Golfers can play here virtually every day of the year and can vary their game by playing on a variety of courses, all of which are challenging in their own way. In the South of the island there are two 18-hole, two 27-hole and two 9-hole courses.

If you think you would like to live right beside a golf course, there is certainly plenty of choice of size, type and price of property for you. The property surrounding the Costa Adeje course is amongst the most exclusive in Tenerife, with modern, luxury villas commanding a price of around 1,600,000.00. In nearby La Caleta, there is a wider range of property with prices starting at around 220,000.00 for a one-bed apartment. Las Americas course is situated beside a smart, modern apartment complex, where a one-bed fully furnished apartment, can be bought for around 160,000.00. Golf del Sur and Amarilla Golf are both complete resort areas in themselves, having a mixture of new-build and older property, with prices starting at around 85,000.00 for a one-bed apartment.

Abama Golf; A brand new course located on the South West coast. Held the European Tour Event "Canary Islands Open" in October 2005. This world class course is situated on the South West coast of Tenerife within the 5 star luxurious Abama Gran Hotel, Golfing Resort and Spa Complex. Stunning Atlantic coastal views across to La Gomera. There are 18 holes, 7139yds par 72. Nine holes still to be built giving a grand total of 27. White sand bunkers. 26 lakes and over 34,000 Palm trees. Altitude: Lowest point 240 ft above sea level. Highest point 250 ft above sea level. Facilities: Club house, Pro shop, Driving range, Club hire, Buggy hire, Golfing academy, Practise course (3 holes). Green fee Rates vary from 72 for Abama hotel residents (October to April). Telephone: 00 34 922 126 700

Amarilla Golf and Country Club; Amarilla Country Club is located on the Southern coast. Opened in 1989. Held the second edition Tenerife Open in 1990, part of the famous European PGA Tour. Spectacular Atlantic coastal views with the backdrop of Mount Teide. There are 18 holes, 6258 yds, and par 72, links course. 9 Hole, par 27, Pitch and putt opened in 1999. Facilities: Club house, Pro shop, Driving range, Lessons, Club hire, Buggy hire, Horse riding, Tennis court, Swimming pool, Bar and Restaurant. Green fee Rates vary from 51 (October to April). Telephone: 00 34 922 730319

Costa Adeje Golf; One of the premier courses in Tenerife, built on a former coastal banana plantation with stunning views of both La Gomera and Mount Teide. Costa Adeje course is a truly spectacular setting to play the wonderful game. Architecturally terraced with dry stone walling. Located on the South West coast, 6 Km outside Playa De Las Americas. Opened in 1998. BMW 4 day event 1999. Spanish Open 2003. Ladies Open 2005. There are a fully developed championship course, 18 holes, 6823yds, par 72 course, 6 Par 3 holes, 6 Par 4 holes, 6 Par 5 holes. A separate 9 hole course called Los Lagos (The Lakes). 2445 yds, Par 33, 4 Par 3,4 Par 4,1 Par 5. Advance booking strongly recommended October through April. Facilities: Club house, Pro shop, Driving range, Lessons, Club hire, Buggy hire, Bar Restaurant. Green fee Rates vary from 54 (October to April). Telephone: 00 34 922 710000

Golf Las Americas; The busiest and most expensive of Tenerife's courses,located in central Playa De Las Americas (South). Beautiful settings including waterfalls, lakes and meandering streams with views to Mount Teide. Opened in 1997. Spanish Ladies Open 1998. There are 18 holes, 6908 yds, par 72. Advance booking several months in advance strongly recommended due to the popularity of this central location. Facilities: Club house, Cafeteria, Pro shop, Driving range, Lessons, Club hire, Buggy hire, Bar Restaurant. Regular 18 holes Greenfee Rates vary from 60,00 (October to April) to 90,00 (May to September) 9 holes Green fee vary from 55,00 to 40,00 Telephone: 00 34 922 752005

Golf Los Palos; Los Palos is located near Guaza in Costa del Silencio. Opened in 1994. Providing an excellent opportunity to work on the short game. The course incorporates a number of water hazards and bunkers set in front of the greens provide tricky approach shots on a number of holes. It's shorter length provides a challenge for all levels, beginner or professional. Set amongst palm trees, banana plantations and exotic planting this is a beautifully maintained course. Green fees are amongst the lowest in Tenerife.There are 9 holes, 914 yds, par 27. Facilities: Club house, Cafeteria, Pro shop, Driving range, Lessons, Club hire, Club hire, Buggy hire, Bar Restaurant. 9 holes Green fee vary from 18,00 to 22,00 Telephone number: 00 34 922 169080.

Golf del Sur; Famous for it's black sand bunkers and a tough test of the game Beautifully presented and has excellent clubhouse facilities. Designed by Pepe Gancedo and with 27 holes on gently sloping ground this course still remains the number one choice for golfers in Tenerife. There are 27 holes, various pars. Links / South 5426 Par 70 North / Links 5382 Par 70 South / North 5870 Par 72. Facilities: Club house, Cafeteria, Pro shop, Driving range, Lessons, Club hire, Buggy hire, Bar Restaurant. Regular 18 holes Green fee Rates vary from 80,00 , 9 holes Green fee vary from 40,00 . Telephone number: 00 34 922 73 81 70 Tenerife offers a wide and varied selection of golf property.

Golf courses are not only expensive to build but expensive to maintain,especially on such a small island as Tenerife, in the Canary Islands. The lack of rainfall means expensive water has to be used for daily irrigation. It therefore makes sense for developers to build real estate on the actual courses. The golfer and non golfer alike are prepared to pay for quality villas and apartments on golf courses. Not only will the property often afford panoramic views of the golf course, they are away from the tourist crowded resorts. Costa Adeje Golf course is amongst the most exclusive addresses in South Tenerife property. The villas here are luxurious to say the least, often with the private swimming pools directly overlooking the greens down to the sea and Costa Caleta. Amarilla Golf is definitely an area to invest in, with the development of the new marina there, it is being regenerated. Golf Del Sur remains a favourite to buy Tenerife property with many golfers and studios, apartments to detached villas are properties for sale here. Playa de Las Americas Golf is a great resort for the fly to let investor, as close to town, 18 hole course and many onsite facilities for the holidaymaker. If you are a fly to let investor, remember the golfing tourist expects to pay high rents for the convenience of course-side properties.Tenerife golf real estate is ideal for golfers, couples and families, most of the courses are resorts in their own rights, with shops, bars and restaurants onsite.

Tony Riley has 15 years experience in the market as Managing Director of http://www.tenerifepropertyconsultancy.com.

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