Calpers Long Term Care Website Form

No seperate forms are required. You can fill all your income from all different sources in the different coloumns and arrive at the totalntaxable income, pay tax and file the form online.

Up to 48 hrs.

This is (probably) what your Listeners are thinking as they listen to your podcast.Many of them are probably thinking what I’m thinking even as I lay on the dentist’s table (pic above), listening to a podcast with my Bluetooth headphones.I DON’T CARE ABOUT…* I don’t care if you publish your episodes on the same day each week (I have plenty of other shows - so I’m not holding my breath here for your next episode. But if your show is good, I will subscribe, and I will listen to them whenever you publish them. So don’t sweat it if you can’t stick to a schedule. The best shows I listen to don’t have a schedule).* I don’t care about the length of your show. There’s no such thing as “too long” - only “too boring”.* I don’t care about the brand of your mic (just don’t make it unbearable)* I don’t care if you have a great intro or music (only care about the content)* I don’t care if you have ads – not even if you have 5 minutes of ads upfront, like Tim Ferriss does. I still might give you a pass. And I might fast-forward it.* I don’t care if it’s stereo or mono (just don’t do one guest in each ear - sounds terrible).* I don’t care if it’s a single-mic show (I don’t need multi-host banter as long as I love what you’re talking about)* I don’t care about leaving a review for your show, because I just don’t have the time, and not because I don’t want to. My listening to your show and maybe even subscribing and my time and attention is the biggest gift you can ever get from me. So use it wisely.Obviously, I’m even listening to your show in the first place only because your topic is what I’m interested in – that’s a given.I CARE ABOUT…* Fantastic, remarkable content* I want to press play, and then just lose myself in your show, enjoy what I’m hearing, whether it is because you’re teaching, or entertaining, or making me think or trying to inspire… whatever it is that you’re promising me.* It could be your personality, your expertise, the guest’s expertise, doesn’t matter.* Your “craft” is most important to me compared to all the “tactics” you employ* Give me a show that respects my time and undivided attention, by giving me something first, before you ask me for anythingI DISLIKE…* I dislike it when you won’t tell me for 5 minutes what your show is about* I dislike it if you have a long show, and you don’t give me a sneak-peek as to what’s coming up, so that I know whether or not it’s worth sticking around for a dang hour* I dislike it when you fall in love with your own intro, and play your intro – or worse, some random music – for way too long. If I wanted to listen to music, I would listen to Pandora. Don’t need to listen to a podcast for that.* I dislike it when you take forever to finish a sentence – or speak like you’re talking to someone who doesn’t know the language, or like you’re talking to a toddler. No, I’m not talking about dramatic, pregnant pauses, which I welcome.* I dislike it when you’re thoroughly ill-prepared to interview your guest, and you know as little about the guest, as the guest knows about you.* I dislike it when you ask the guest to “start from the very beginning” and ask them to recant their entire life history, starting with their birth. Unless you have a celebrity guest, I don’t care about where they were born, how they were raised, how they met their spouse, where they went to college, how many times they got fired, how many businesses and relationships they failed at. Just stop! Establish quickly why I should even care about this guest and what their achievements and accomplishments are. Maybe if that earns my respect and attention, I may just tolerate their entire life history.* I dislike it when you name your new podcast has the word “Entrepreneur” or some version of that, and “On Fire”* I dislike it when you bring on the same-ol’ same-ol’, jaded guests who have already been interviewed on 10 other famous podcasts, and just because they’re on those famous podcasts, if you get them on your show, you think you have a famous podcast too.* I dislike it when you simply just “Go for the Blonde” (like Russell Crow’s “Professor John Nash” says in the movie, “A Beautiful Mind”), and only go after the usual suspects for your guest, or simply post in a Facebook group – “Anyone in niche here who would like to be interviewed?”, rather than take time to do some research, do some Googling, research Amazon book authors, find undiscovered gems in your industry, and bring them on and well-and-truly pick their brains.* I dislike it when you repeat everything your guest just said, right after your guest said it. Save the summary for the end.* I dislike it when you ask “What is the one thing I should’ve asked you, but forgot to ask?” Imagine Oprah or Larry King asking that question. Sheesh! Instead, phrase it differently: “Is there anything else that you would like to say to those listening?” or “Anything you would like to add?”* I dislike it when you keep constantly interrupting your guest and make them lose their train of thought and derail the conversation and make it all about you.* I dislike it when you try to blow off what the guest just said, by making it all about you, trying to show me (thinking I will be impressed because) you know as much as the guest about the topic, instead of letting them shine, and then adding your 2 cents after they’re done* (continuing previous point) I dislike it when you say “I’m afraid we’ve gone over my usual time limit. So I’m going to completely ignore the most amazing thing you just said and end this interview, not because you, the guest, have to be somewhere, but because I have put this imaginary limit on myself and my audience, and have falsely assumed that the moment I cross my standard minutes, everyone is going to unsubscribe to my show”. Ummm… no they’re not. This is not a TV show. TV shows have hard sponsor breaks, hard segments, fixed time slots, and are not flexible, unless it’s a live sporting event. So no, don’t take yourself that seriously. Go on for as long as there’s great content to be shared. There’s no such thing as “too long” – there is only “too boring”.* I dislike it when you start an episode with “Tell me a little bit about yourself” – that’s just being lazy and unprofessional* I dislike it if you can’t say one thing about the guest because of something you researched on your own.* I dislike it when you blow off an amazing answer by your guest, and instead of asking a follow up question that could make the entire interview light up, you just move on to your next question on your list, like you never even heard their last response.* I dislike it when you spend 10 minutes catching me up on the past week of your life, without ever telling me why I should care.* I dislike it when you start the show by asking me to subscribe to your show on iTunes.* I really, REALLY dislike it when you also ask me to rate and review your show – all in the first few minutes, when this is the first time I’m listening to your show, and I haven’t even heard what you have to say, and I don’t even know if I like you yet* I dislike it when you ask me for multiple favors – like joining your list, telling others about you, all before you’ve done a single thing for me, and befere you’ve provided me even a single drop of value.As much as all this sounds like opinionated crap, I guess there’s really ONE major point I’m trying to make.When people like you, like your show, or your content, or your guests, or the information they provide – overall, if they feel like they’re getting “value” from your show (everyone has their own definition of what that “value” is for themselves), then people in general will put up with a lot of crap in order to get to that value.To put it in sports’ terms, Kobe Bryant’s fans will defend his 5 titles and his “Jordan-like” demeanor, while overlooking all his negatives, including the Colorado rape case. MJ’s fans will endless defend his womanizing, gambling, “Republicans buy shoes too”, not standing up for the little guy (or the little kid in child-labor factories), etc, because they think he’s the GOAT. Magic Johnson’s fans will defend his charm and skill and unselfishness in spite of the womanizing and other issues. LeBron James’ fans will endlessly defend him in spite of the “Not 1, Not 2”, leaving Cleveland, leaving the Heat, “at the end of the day, you go back to your life” and “Chosen 1” arrogance.We all make excuses for those we’re a fan of, tolerate quirks of loved ones, spouses stay with cheating and abusive spouses (not always out of fear), all in the name of love, trust, friendship, relationship, etc. So my point was to say that a lot of people will tolerate not-the-greatest audio, annoying ads (wherever they occur during a show), annoying calls-to-action, etc etc – as long as there’s that ONE THING that gets them – that hooks them, that makes your show either incredibly great, or a can’t miss train-wreck (Skip Bayless anyone?), or something that makes it worth for them. What that “value” is, is different for each person.Obviously, the level of tolerance will totally depend on how much they like/love/are a fan-girl/fan-boy of the host and the content. I’m only presenting one tiny sliver of one fan’s perspective.So my big picture was…Don’t delay launching a podcast because you don’t have the best mic.Doesn’t mean you can have crappy audio.Don’t drag what could be a 20-minute tightly run show into a dragged out 50 minutes, just because you can.Don’t go after the biggest names – it’s not the size of the name of the guest, it’s the size of the heart of the guest.Etc. Etc. Etc.Lots of points within points. It is all rather oversimplified here, but some of it is just to make a point. Don’t take it too literally. Or too seriously. Take it and stretch it – in one direction or another – to suit your own opinions and extremes and boundaries as a podcaster and a podcast listener. If my article gets you to think about some of these things, and starts a conversation, then I will consider that a good-enough win for my time. Don’t take any of this personally. This is not about you. This is about your show, and most importantly, your listeners.Do what you want with it, and go make a remarkable show!Feel free to comment below if there’s anything you agree with – and also anything you think is unfair to you as a Podcaster.Cheers!– Ravi JayagopalCheck out my podcast about Membership sites & Online courses@ SubscribeMe.fm

When to Buy Long-Term Care Insurance You may assume that you'll pay less if you buy your policy at age 50 and lock in a lower monthly premium instead of waiting until age 60 as Dave recommends.

To be called comprehensive long-term care insurance, a policy must provide at least some LTC benefits for both institutional care and home care. ... Policies with no elimination period have the highest premiums of all.

The Long-Term Care Partnership Program is a Federally-supported, state-operated initiative that allows individuals who purchase a qualified long term care insurance policy or coverage to protect a portion of their assets that they would typically need to spend down prior to qualifying for Medicaid coverage.

Long-term care can be very expensive and many people will need care for an extended period of time (one year or more). Nursing home costs in California averaged $290 a day in 2017, with the annual cost of care close to $110,000.

No, they are not the same. One is a hEvalth insurance exchange and the other administrates Medical benefits for the state of CA. ... Partnership HEvalthily of California (PHC) is a non-profit community based hEvalth care organization that contracts with the State to administer Medical benefits through local care providers.