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peace of mind | Nevada Senior Guide

Life Insurance Schemes Aimed At Senior Citizens by Bobby E Richardson

August 23, 2013 by · Leave a Comment
Filed under: Articles 

Expert Author Bobby E Richardson

I remember reading a news post once about a man in Florida that was arrested in a Life Insurance scam. It had been estimated that he had stolen millions in Life Insurance money from our senior citizens. Just thinking about the story infuriates me, and inspired me to give a few pointers out to seniors considering the purchase of a policy.

One of the craziest facts about the story aside from the stolen money is that he worked in a large financial group. I know that a scam can happen in any business structure but I was expecting it to be a door to door insurance salesman. When I say that, it’s not to take shots at those type of salesman; I used to be one, but those were my expectations.

First let’s take a look at a few of the reasons why seniors would need Life Insurance, and then how they can make sure they don’t get taken advantage of from a few idiots who call themselves salesmen.

There are several factors that could bring about concerns for seniors to leave money behind to loved ones.It is a way for them to cover final expenses for a proper burial and not leave the responsibility to loved ones, they can leave a lump sum of money to heirs that will be tax-free upon receipt, they could be raising grand babies that will need financial assistance, or it could be to just make sure money is in place to cover excess debts if they were to suddenly pass on.

The only drawback to getting Life Insurance as a senior is that finding a low costing policy is not impossible but it can be difficult.The best thing you can do is see if a trusted family member or friend knows an insurance agent or you can spend some time reading to learn about life insurance yourself.Then, go to a few websites or call around to shop to some of the agencies.

There are a few companies that will not allow seniors to purchase a term policy. With those companies the cut off age is usually about 65 and up. With the companies that do allow it, it will be more expensive.

9 times out of 10 seniors will be required to accept a whole life policy. Seniors should keep in mind that in order for them to pay off a whole life policy, the contract has to be maintained for 10 years.This time commitment does vary with a few of the insurance companies.

Here is a few question seniors should ask when considering a Life Insurance policy:

Does the company require a medical exam?

Are monthly premiums locked in for the life of the policy or will they increase with time?

Can I continually renew the policy for the life of the contract?

What are the specific renewal requirements?

Can the monthly premiums be waived in the event of disability or injury that limits my income?

When will the beneficiary receive the death benefit? (Some policies require the insured to be alive for 3 years before the beneficiaries received the face amount. If the insured dies earlier than the requirement, they will receive all of the premiums paid into the policy plus 10% interest, which is still better than putting the money into a bank account that wouldn’t give as much interest.)

Seniors just need to make they plan and effectively select a good policy, to give themselves that peace of mind in knowing that their loved ones will be protected financially in the event of their death. It’s sick to know that there are scam artist out there that will take advantage of those good intentions. But I do want to point out the fact that there are many good insurance brokers who will sincerely help people with finding the best policy to fit their families needs and more importantly their budget.

It is my pleasure to help Americans enjoy their retirement years with financial security. I care about providing products that protect you and your family. I am committed to ensuring peace of mind for your retirement future. My commitment to unsurpassed service and strong contract owner benefits has allowed me to experience consistent growth within my industry. I’m the one to offer you diverse financial planning choices for your retirement dollars.

We represent over a dozen of the nation’s top rated life insurance and annuity providers. We’ll provide you with information and pricing on every service available at your location and let you choose. No more high-pressure, heavily biased sales pitches from pushy insurance salespeople.

Life’s Protection

Bobby E Richardson

Phone: (386) 308-9626

Fax: (407) 210-1602

bobby.richardson@lifesprotection.com

[http://www.lifesprotection.com]

Article Source: http://EzineArticles.com/?expert=Bobby_E_Richardson

Northern Nevada Medical Center Announces New CEO, Alan Olive

Northern Nevada Medical Center Announces New CEO, Alan Olive

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(Sparks, NV) Northern Nevada Medical Center welcomes Alan Olive, MPH, MHA, as new CEO for the 108-bed hospital in Sparks, NV.

Born and raised in Reno, Olive has 19 years of healthcare leadership experience. He has served as CEO at northern Nevada hospitals including Carson Tahoe’s Sierra Surgical Hospital in Carson City and Renown South Meadows Medical Center in south Reno. He was also previously an executive with Providence Health and Services, based in Portland, Ore, and MountainView Hospital in Las Vegas, NV.

“Alan is an experienced health care professional with expertise in integrated health systems, project management, health plan partnerships, hospital operations, and physician relations,” said Karla Perez, Regional Vice President for Acute Care at Universal Health Services. “His experience and history in the Reno/Sparks area will greatly benefit Northern Nevada Medical Center and healthcare in the community.”

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Alan earned a Bachelor of Science in Sociology from Brigham Young University and a Master of Public Health – Hospital Administration and Master of Healthcare Administration from Loma Linda University.

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Northern Nevada Medical Center is a 108-bed acute care hospital located in Sparks, Nevada. NNMC’s tradition of providing quality healthcare in a comfortable, accessible environment means peace of mind for the thousands of patients served by the hospital each year.

 

NNMC is the only hospital in Nevada certified by The Joint Commission as a Primary Stroke Center as well as knee replacement, hip replacement and spine surgery. NNMC is also the first program in the nation certified by The Joint Commission in low back pain and is also an Accredited Chest Pain Center by the Society of Cardiovascular Patient Care. Northern Nevada Medical Center is owned and operated by a subsidiary of Universal Health Services, Inc.(UHS), a King of Prussia, PA-based company, that is one of the largest healthcare management companies in the nation.

Caring For Elderly Parents? Jitterbug Cell Phones & Medical Alert Devices For Senior Citizens Help! by Kaye Swain

May 11, 2013 by · Leave a Comment
Filed under: Articles 

Are you one of the many members of the never-aging Baby Boomers Generation  caring for elderly parents who don’t live nearby? Or perhaps they are close, but  work keeps you too busy to get over to check on them daily? Would you like  something made just for them to help them in the event of a fall or sudden  illness?

My senior parents and their friends have wrestled over this situation  themselves and we’ve come up with a couple of good resources. One dear senior  prefers a personal emergency response system using an emergency pendant around  her neck. Relatively inexpensive and very easy to use, these necklaces as well  as the wristwatches they also offer, are usually monitored 24/7 by the alarm  company.

If your senior parent falls or feels suddenly ill and can’t get to the  telephone, they just push the button on their medical alert device and an  operator should answer right away. If they push the button but are unable to  speak, the operator should then call 911 for them automatically. Our friend has  used hers 2-3 times over the last few years and been so grateful she had it.

Of course, you’ll want to use a reputable company. I always like to check for  a good recommendation such as the Better Business Bureau or Good  Housekeeping.

Another option that my senior mom and I prefer is a cell phone specifically  made for senior citizens. We personally think that Jitterbug makes the best cell  phone for seniors, as she has been using one for the past two years and loves  it! It’s a flip-phone style of cell phone which means she can’t accidentally  call someone from her purse or pocket. (My old “candy bar” style phones used to  do that all the time! It drove me crazy and it would totally confuse our sweet  elderly relatives.)

It has large numbers which are easy to read – always a great thing for cell  phones for senior citizens! It is geared to work easily with hearing aids.  Seniors have the option to dial their own phone numbers, use the menu to select  the person they are calling, or just dial 0, like they once did when they were  much younger. Just like then, an operator will come on the phone to help them in  any way they need, including placing the call for them.

The reason we prefer the Jitterbug cell phone for our elderly parents is  because they can keep it with them in their pocket. If they go for a walk and  have a problem, they’ll have it right there with them. Unlike the medical alert  device, it will work anywhere, not just at their home. And I love it for  shopping! When we go to a big store, my senior mom can enjoy shopping at her own  pace, while I grab my items or sit and write. When one of us is ready to meet  up, we’re each just a simple phone call away. You will love the peace of mind it  will give you!

The Jitterbug large and simple cell phones for seniors are a  wonderful gift for our senior parents AND for our own peace of  mind. To find out more about how these great senior cell phones can help you and your beloved elderly  relatives, just pop over to SandwichINK – http://www.SandwichINK.com. There you will find plenty  of resources to help you, as you are busy caring for your elderly  parents.

Article Source: http://EzineArticles.com/?expert=Kaye_Swain

Why Should You Care About Senior Citizen Cell Phones, Cell Phones For Kids And Dexterity Challenged? by Sheri Davis Collins

May 7, 2013 by · Leave a Comment
Filed under: Articles 

Cell phones for senior citizens are getting better and better. Cell phones  for seniors and kids usually have a number of mutual needs. This is one  phone that can meet the demands of both.

Its main features are a large keypad, screen and fonts. It does not text,  take photos, do music or have ring tones. Arrives ready to use with your choice  of preprogrammed telephone numbers.

Another great features is by pushing one button, it quickly dials a Live  Operator for help in emergencies, who will dial anyone on a call list, or look  up new numbers. The Operator is available 24 hours 7 days a week.This will allow  you to rest assure that your parents, kids, and loved ones, can always reach you  with Operator Assistance. In my opinion, it’s the best selection for kids and  senior citizens.

It will also give the senior more of a sense of independence by having a  simple cell phone that is larger, preprogrammed with the essential phone  numbers, and without all the features they will not use or get in their way.

Its features are:

Ease of use

One Push Button to Live Operator for emergencies or calling assistance

Amplified Speakerphone with large cushioned earpiece that coordinates with a  hearing aid

Volume can be adjusted quite loud

Large viewing screen and text

Comes preprogrammed with telephone numbers of your choice

Voice mail options are questions that can be answered either yes or no, for  simplicity in operation

Dial tone

Large keypad for dexterity challenges

Not available at traditional mobile phone providers

Children can only call where you designate.

This would make a unique gift for anyone you want or need to communicate  with.

Rest assured that your parents, kids and loved ones can always reach you with  Operator Assistance 24/7.

Why should you care about cell phones for senior citizens, kids and the  dexterity challenged? Because, it’s an important thing to do, for their safety,  ability to communicate, and your peace of mind.

Sheri Davis Collins recomends that you visit http://www.haven-designs-decorative-pillows.com/unique_gift_catalog.html for specifics about this cell phone designed for senior citizens and kids.  (Scroll down on page)

Article Source: http://EzineArticles.com/?expert=Sheri_Davis_Collins

Article Source: http://EzineArticles.com/634804

Tips for Staying Safe As a Senior Citizen by Mark Mahaffey

April 30, 2013 by · Leave a Comment
Filed under: Articles 

When it comes to staying safe, senior citizens have special  concerns.

Although research has shown that the risk of being a victim of a physical  assault crime decreases as you age, the risk of other kinds of crime continues  and even intensifies.

Senior citizens are just as likely as the rest of the population to have  their homes broken into, but they are at higher risk for financial crimes. To  criminals, they appear more vulnerable and defenseless. And since the elderly  are often well-off financially, they are a target for crimes involving money  scams.

Further, the elderly grew up during decades when it was proper to be polite  and trusting. This makes them less likely to be rude during a phone conversation  or face-to-face meeting with a con artist. The con artist will keep pushing, and  the elderly victim may just ‘give in.’

Financial crimes are devastating for anyone, but especially so for senior  citizens. They not only feel afraid, but may begin to question their own ability  to handle their own affairs. For an aging person already trying to hold on to  independence as long as possible, this can be emotionally terrifying.

If you are a senior citizen, or have a loved one who is elderly, there are  some steps you can take to keep yourself or your loved one protected. You don’t  have to wait for crime to happen to you: be proactive and make sure you stay  safe.

Secure your home.

A home alarm system is a great deterrent to would-be burglars. Motion  detectors, automatic lights, and a security system with 24-hour monitoring will  significantly decrease the likelihood of a home invasion.

For even more peace of mind, your monitoring service can respond to medical  emergencies as well. And you may even qualify for a senior citizen discount.

Here is a check list of home safety tips for senior citizens:

• Check the locks on all doors and windows to make sure they are secure.

• Trim tall bushes that are up close to the house to eliminate hiding  places.

• Be sure your house number is painted brightly so emergency help can find  you quickly, should you need them.

• Don’t hide keys under mats or pots. Instead, ask a trusted neighbor to keep  your extra key.

• Don’t keep extra cash in your house. It is better to keep it in the bank or  in a safe deposit box.

• Post security signs around your house to let the burglars know you are  protected.

Be smart about financial scams

Senior citizens are susceptible to con artists at the door or over the phone.  These con artists know that the elderly are interested in products promising  anti-cancer benefits or improved memory. Older adults are also less likely to  report fraud, because they don’t know who to call to report.

Here are some tips to stay safe:

• Never allow any unexpected visitor into your home.

• Install peepholes in your doors.

• Do not give out identifying information over the phone such as social  security numbers and account numbers.

• Do not do business with door-to-door salespeople of any kind.

• Know who your neighbors are and try to join a neighborhood watch for added  security.

• Never click on a link to a financial institution in an email. Instead,  manually type the URL into the address bar.

Stay safe away from home

To reduce the risk of being robbed while away from home, follow these safety  precautions:

• Never carry more cash than you need.

• Don’t carry all your credit cards with you.

• Keep your bag close to your body.

• Avoid walking in deserted or dark areas.

• Lock your car doors while traveling in areas where you will be stopping  frequently.

• Also lock your car doors while you are away from your car.

• Consider installing an alarm system in your car. This may qualify you for a  discount on your auto insurance.

You don’t have to wait for crime to come to you. By being pro-active and  educating yourself, you can outsmart the criminals and keep yourself and those  you love safe.

http://www.bestsecurityproducts.com

Article Source: http://EzineArticles.com/?expert=Mark_Mahaffey

 

Cell Phones For Senior Citizens Help the Baby Boomers Generation Caring For Elderly Parents by Kaye Swain

April 26, 2013 by · Leave a Comment
Filed under: Articles 

Are you in the hate-to-admit-to-aging Baby Boomers Generation caring for  elderly parents? Me, too! And, like me, I’ll bet you are also always on the look  out for creative ways to multiply your time, easily multi-task, and find helpful  tips to be able to get more accomplished with less time.

One thing that has helped my senor mom and myself is when she finally agreed  to try out one of the Jitterbug cell phones for senior citizens. These large and  simple cell phones for seniors are truly easier for them to use and even include  the option to just dial O for the Operator who will then make the phone calls  for our senior parents. She is actually quite proud of herself that she hasn’t  had to resort to that, but it’s nice to know that option is available.

Cell phones for some seniors who have never done much in the “technology age”  is a harder hurdle to overcome than most might think. It took me four years to  talk her into one of these. My mother-in-law, on the other hand, dove into the  tech world with glee. She taught herself to use a computer and uses a regular  cell phone just fine. She may someday switch to the Jitterbug, but for right now  she is quite content. My senior mom, though, wouldn’t change her Jitterbug for  anything and considers them the best cell phones for senior citizens!

I totally agree with her BECAUSE of the peace of mind it gives this Baby  Boomer along with the handiness it provides when I can easily call her where  ever she is and where ever I am. We especially love it when we’re out shopping.  Since she no longer drives, I can take her to her favorite Walmart. She can go  off and do her shopping while I go get mine, saving us both time. Or, if I don’t  need to shop, I head for the McDonald’s that’s in the Walmart. I can then sit  there and write to my heart’s content. With my notepad and my iPhone, I’m able  to be quite productive, knowing that if she needs me for anything, she can just  give me a call on her Jitterbug cell phone. Before, we either had to stay  together, or spend considerable time looking for each other all over the  store.

I would not give up my smart phone for anything. I call it my brain and I’m  not joking since it has so much valuable information stored in it. But I am so  grateful for the simplicity of the Jitterbug cell phones for senior citizens and  how much easier they’ve made my life as well as hers!

And, if you pop over to http://www.SandwichINK.com and read Caring for the  Elderly Parents in the Family: Why Cell Phones for Senior Citizens or Medical  Alert Devices are a Wise Investment, you’ll discover another  vital reason I really appreciate my mom’s agreeing to get a  Jitterbug cell phone for seniors!

Article Source: http://EzineArticles.com/?expert=Kaye_Swain

 

Why Do Senior Citizens Need Travel Insurance? by Troy Benning

April 17, 2013 by · Leave a Comment
Filed under: Articles 

There are a lot of senior citizens that love to travel and see the world, but  they don’t know how much they need to be covered while their in the air. Senior  travel insurance is really perfect for seniors who love to always travel, as  they will be protected at all times. They will be fully protected while they are  overseas. If they are in need of medical assistance or simply any kind of  assistance, their travel insurance will be there for them to solve the problem.  So basically, they don’t have to worry about anything when they’re on a  vacation. This is a very important coverage that every senior that loves to  travel needs. If you are a senior citizen that loves to travel, you have to make  sure that you are safe if ever an incident occurs.

  • What is senior travel insurance?

 

Senior travel insurance is a type of insurance coverage that will protect the  senior citizen if any incidents occur while they are overseas. The great thing  about this coverage is that you can have a peace of mind to know that no matter  what happens to you, their will be someone to help you. If you need help to find  your lost luggage, or missing travel documents, there will be special assistance  available for you anywhere around the world.

  • Why do senior citizens need travel insurance?

 

Seniors don’t have an idea of what can happen to them while they are  traveling. If you go to a foreign country, you can accidentally eat or drink  something that your body system cannot manage. If something like this does  occur, your senior travel Insurance will cover and take care of you so that you  can continue your vacation.

  • How much is the coverage for senior travel insurance?

 

The premium is based on the actual age of the senior, health status, and the  area they live in. There are rules and  restrictions, but your insurance agent  will be glad to explain to you what they are so you can avoid any delays. They  can do other different types of coverage that will be perfect for you so that  you will be able to find a coverage that meets your budget.

There are many insurance companies that may offer this type of coverage  online. However, you must make sure that you are dealing with the right company  that will provide you a coverage that is actually needed. Try not to deal with  anyone who isn’t licensed or registered with the Department of Insurance, as  they may not provide any coverage for you if you are actually in need of help.  These people only want to collect your monthly premium and will not give any  service whatsoever. Don’t let these con artists take your money, as they are  very manipulative. It is advisable to contact your nearest Department of  Insurance for more information about unlicensed solicitors. This will give you  an idea of what you should do to avoid getting ripped off.

To learn more about senior citizen travel insurance and travel insurance comparison, visit  TravelInsuranceFacts.net.

Article Source: http://EzineArticles.com/?expert=Troy_Benning

Senior Citizens Can See The World With Travel Insurance By W Scott

April 12, 2013 by · Leave a Comment
Filed under: Articles 

Retirement age can be the golden age of your life! Your children have grown  up and are independent. You do not have a full-time job. There is nothing  holding you back. This is the time of your life to fulfill all your dreams of  traveling the world! There is virtually nothing holding you back!

Know The Ins And Outs Of Travel Insurance

Senior citizen travel insurance is vitally important when planning any trip.  A travel insurance policy helps to protect you against unforeseen circumstances,  such as trip cancellations. There are numerous travel insurance firms that offer  great packages for senior citizens who are 65 and older. There are even policies  these days that provide for those who are 50 and above.

Senior citizen travel insurance is provided in two formats; annual travel or  single trip coverage. Annual travel is ideal for individuals who take a variety  of vacations over the course of the year. Single trip coverage is, as the name  implies, for a single travel event. Coverage details vary from company to  company. Receive quotes from several different travel insurance companies.  Compare each policy in detail to find the one that suits individual needs at an  affordable price.

Choose An All Inclusive Travel Insurance Package

Senior citizen travel insurance packages provide overall coverage for low  risk individuals. A good senior citizen travel insurance package will include  coverage for luggage theft or loss. Some packages also provide cover for medical  costs, including medical assistance or emergency services, which may be incurred  while on holiday.

Be sure to review your travel insurance policy in full. Ensure that you  understand every aspect of your travel plan. It must provide full financial  protection for any mishap that occurs while on holiday.

Look Before You Leap!

It is always wise to carefully review each portion of a senior citizen travel  insurance policy. Do not feel rushed. Do not feel intimidated or overwhelmed.  This is an entitled right when reviewing any insurance policy. A travel  insurance policy is no different. Ensure each portion of the policy pertains to  individual travel coverage needs. In the event that it does not, move on to  another insurance policy or insurance agency.

An often unmentioned fact about insurance policies is that the document is  considered a legal agreement. This means that in a court of law the terms and  conditions presented in the policy are legally binding. Obtain clarification of  anything that is not easily understood up front. Ask as many questions as  necessary until all aspects of the travel insurance policy are clear. Anything  not understood should be clarified by an insurance agent. If an agent is not  willing to do so, simply find one who will.

Senior citizen travel insurance is not intended to restrict travel  intentions. Rather, it is a sound financial decision providing protection and  peace of mind for senior citizens. With policy in hand, a senior citizen is  ready to explore the four corners of the world.

William Scott has authored a number of articles on holiday insurance. His site http://HolidayInsuranceTips.com, offers further  information on selecting the right senior citizen travel insurance  [http://www.holidayinsurancetips.com/category/senior-citizen-travel-insurance]

Article Source: http://EzineArticles.com/?expert=W_Scott

Article Source: http://EzineArticles.com/1136039

Improving Senior Life With Medical Alert For Seniors

November 26, 2012 by · Leave a Comment
Filed under: Articles 

Improving Senior Life With Medical Alert For Seniors
by: Lance Mcisaac

Senior Citizens are in a time of their lives when they should be able to enjoy the freedom to live independently and go places when they desire. Unfortunately, sometimes their freedom is restricted by health concerns caused by their aging bodies. Medical Alert for Seniors can provide them with a sense of security, enabling them to enjoy the freedom they want and deserve. Seniors can come and go as they desire knowing that they have an alert button they can press at any time should they require assistance. This medical alarm system can provide loved ones with peace of mind as well. They can be assured that medical help is only a push of a button away.

With medical alert for seniors, senior citizens can live independently. They have the comfort of knowing that help is available any time day or night should they need it, while they have the freedom to continue to live in their own homes and follow their own routines without feeling like burdens on family members. Should they experience a fall or other medical emergency, all they have to do is press their medical panic button and help is available.

Nowadays, people move around frequently with careers, often leaving elderly parents in distant states. This can frequently be a source of concern for loving children. Being so far away often causes worry for family members who can’t visit frequently or be available in case of an emergency. When their parents or other senior family members have a medical alarm system, relatives can feel secure that they will receive the immediate medical help they might need. This can bring great peace of mind to family members living long distances from their aging relatives.

If you are a senior living alone or the relative of an independent senior, medical alert for Seniors may provide the assurance you need to avoid worrying. Knowing an alert button is always on hand will allow you to continue the independent lifestyle without worry. Seniors love the freedom it allows and their relatives enjoy the peace of mind it provides.

About The Author

Lance Mcisaac is the author of this article on Medical Alert Systems.

Find more information about Medical Alert Pendant here.
The author invites you to visit:
http://www.medicalguardian.com

Medical Alert Provider Rescue Alert of California(TM) Announces Improved Senior Blog Rescue Alert of California

September 1, 2012 by · Leave a Comment
Filed under: Events, General 

Medical Alert Provider Rescue Alert of California(TM) Announces Improved Senior Blog
Rescue Alert of California™, has announced a newly updated senior blog in an effort to improve the user-experience for their network of seniors and caregivers.

Rescue Alert Medical Alert System
We want to provide the vital information on eldercare and senior health in an easy-to-find, user friendly way so that more people benefit from this valuable information.
Rancho Santa Margarita, California (PRWEB) August 23, 2012

Medical alert provider Rescue Alert of California,™ in a continued effort to provide helpful resources and information on a variety of health and safety topics for seniors, has announced a restructure of it’s senior blog. Rescue Alert of California’s™ enhanced blog is one place to find information on everything from changes in Medicare to flu shots to retirement.
“Our website is an important tool for us and for our customers,” said Lindsey Brewster of Rescue Alert of California™. “we want to provide the vital information on eldercare and senior health in an easy-to-find, user friendly way so that more people benefit from this valuable information.”
Rescue Alert of California™ has improved its senior blog by adding more resources, in a variety of categories such as senior safety, health, technology, medical alert systems, caregiver resources, and senior assistance. There is now more content, and easier navigation, so that seniors and caregivers can find what they want to know with ease and efficiency.
About Rescue Alert of California™:
Rescue Alert of California™ has been enabling senior citizens to live safe, happy and independent lives through education and quality medical alert systems for over a decade. They offer EMD certified responders available 24 hours a day, and the peace of mind that comes with knowing that help is available at the push of a button.
To view the resources available for seniors and caregivers, visit our website:
http://rescuealertofca.com
To join a supportive network of senior resources and experts in the field, follow us on Twitter @rescuealertofca, or “Like” us on Facebook: http://www.facebook.com/RescueAlertofCA

  • Senior Industry Network Group Events

    Monthly SING Meetings are held the first Thursday of every month at our NEW location below:

    Desert Canyon - HealthSouth
    9175 W. Oquendo Rd.
    Las Vegas, NV 89148

    S.I.N.G. Agenda:
    - Coffee and bagels will be served
    - A time to show gratitude by thanking those who have sent you referrals
    - Announcements around the room
    - One minute commercials
    - Open Discussion on topics of Self Empowerment

    * When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am

    * How Much? It’s free!