FIXED ANNUITY IS BETTER THAN LONG-TERM INSURANCE
Read this first.  
 
This video makes the case for annuities over long-term health insurance.

The general case against long-term care insurance is here. Annuities are better. But, of course, annuities die when the insured does. Far better to own paid-up rental housing. Leave this wealth to your heirs.

These policies have requirements as to which symptoms qualify a person for long-term care. The company decides. If the victim disagrees, he or she has to hire a lawyer. Most victims in need of long-term care do not have deep pockets.

I figure there are better ways to solve these problems. I have discussed some of them here.  http://www.garynorth.com/members/13121.cfm

The best long-term care insurance for most people is their children. This has always been true in the West. It is best to deal with the problem of long-term care within the framework of the family. The heirs have a sense of moral commitment to provide care that extends beyond a written contract.

Before signing any insurance contract for long-term care or an annuity, discuss your options with your heirs. They may inherit more if you skip these contracts. You may get better care. Both you and your heirs should then consult with a financial planner who does not make his income from the sale of insurance. "Never ask a barber if you need a haircut."

This originally appeared at Gary North's, Specific Answers.



North continues, "The best long-term care insurance for most people is their children. This has always been true in the West. It is best to deal with the problem of long-term care within the framework of the family. The heirs have a sense of moral commitment to provide care that extends beyond a written contract.

Before signing any insurance contract for long-term care or an annuity, discuss your options with your heirs. They may inherit more if you skip these contracts. You may get better care. Both you and your heirs should then consult with a financial planner who does not make his income from the sale of insurance. "Never ask a barber if you need a haircut."

HONEY & BRAIN CELLS

For this to be true, you must consume fresh, raw, local honey.  A lot of brands will label their product as raw, and they very well may be. But if you're living in San Antonio, Texas and the honey manufacturer is from Springfield, Illinois, you're not getting the most nutritious honey.  But local, raw honey.  Honey is a powerful food, again a statement that only means something if you buy raw and local honey.  Yes, honey solidifies on the shelf after a certain number of months.  If the honey you buy is solid, then more than likely it has been on the shelf for a long time and it is not fresh from your local bee farmer.  Fresh, raw, and local honey will have the consistency of soft guava paste.  It will be slightly opaque and not clear.

And the way that honey works on the brain is through the nerve cells and neurotransmitters in your gut.  It has anti-septic properties as well as anti-biotic properties.  

Y.S. Organic Bee Farms raw honey is very popular.  Notice the color.  Where is it?  Bee pollen is at least yellow or golden.  Also, though this honey claims organic status, it should be nutrient-packed and you should feel those nutrients, not just a sugar boost.  I have personally tried this brand and variety of honey. The flavor is a deep, rich honey flavor.  But I did not feel any health benefits from it.  And without the health benefits, it functions and metabolizes like any other sugar, molasses, stevia, etc.

According to Benefits of Honey, ". . . some honey varieties have more medicinal value than others due to its higher anti-bacterial properties e.g New Zealand's Manuka UMF 10+ and above, Malaysia's Tualang honey, Yemeni Sidr honey and European honeydew honey. Such varietals of honey are tagged 10 or 20 times more in price than regular honey and are simply beyond the reach of many consumers' purchasing power. So, these expensive varietals are usually not consumed on a daily basis but kept as a treasure for treating burns, cuts, coughs, sore-throats, infections, and other ills. But of course there are people who somehow believe only in Manuka and consume it daily (and they have tried to convince me that that is the only honey worth eating)."

Another brand of honey that I've tried and liked the flavor of is Really Raw Honey.  But again I didn't experience detectable health benefits. Only a delicious form of sugar.

Rainbow Acres is a local market/deli that sells health products.  They make some decent bee pollen, but was not able to locate any honey, raw or otherwise.

Bennett's Honey is another local bee farm in Los Angeles area.

Bill's Bees sells wildflower honey.  This sounds good, since wildflowers offer a variety early in spring.