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The cost of long term care continues rising at a rate outpacing inflation creating significant financial planning challenges for the nearly 12 million Americans currently in need of long term care services. According to the Genworth (NYSE: GNW) 2014 Cost of Care Survey released today, the cost of receiving in-home care continues to rise, though at a more moderate rate of growth. This is good news for consumers as almost three quarters of people needing long term care prefer receiving it in their homes, according to Genworth’s extensive claims data (Long term care claims Experience Data for Genworth Life Insurance Company and affiliates – December 1974-June 30, 2013). To view the Multimedia News Release, go to http://www.multivu.com/mnr/70631511-genworth-2014-cost-of-care-survey-results

How to adopt a baby - Ebook The laws and policies which regulate who are actually able to adopt a child will vary from state to state, as well as from agency to agency. But there are certain requirements that almost all adoption agencies will be looking at when they talk to those people who would like to adopt a baby. What is important to know, however, is that, although the provisions required by laws in each state can not be either changed or ignored. But there are very few, if any, requirements or rules which are not inflexible. However, if you do find yourself during the adoption process having problems with a particular rule or guideline, then it might be advisable if you can see if that particular one can be waived. You may be surprised that there are certain exceptions where this can occur, if the circumstances are right, or the right people have asked for it to be waived. Although you may think that you have the right to adopt, this is simply just not the case. No one in today’s society has the absolute right to adopt a child, and can only do so after they have met certain criteria that both the adoption agencies and the government place. It is therefore important that any prospective people wishing to adopt a baby should carry out as much research as possible on the subject. Learn everything about the rules, regulations and guidelines that can be imposed upon prospective adoptive parents by the various adoption agencies. In this book, we will be taking you through the basics of what is required in order for a couple or single person to become an adoptive parent.