Oct 25, 2021 | Business
Now available on Kindle and for paperback pre-order. In “Quavers’ Wish,” a shy duckling named Quavers is born without a right wing. Not having a right wing, Quavers struggles to keep up with the other ducklings. Quavers soon wishes he can be like the other ducklings with wings. One summer day, Quavers is told he must go to Bird School with the other ducklings. Unfortunately, on his first day of Bird School, things do not go as planned. Will Quavers ever be able to fit in and make friends with the other ducklings?
Sarah E. Brady lives in Hanover, Pennsylvania. These days she is attending college at Messiah University. She is majoring in Human Development and Family Science and minoring in communications. After college, she is planning to get a job working as a mental health advocate. In her free time, she loves spending time with her family and playing with her two cats (Hermione and Ginny).
Higher Ground Books & Media is an independent publisher based in Springfield, OH. We publish stories that are inspirational, educational, and motivational! Our work is Christian-based, and we strive to share stories of positive transformation that showcase God’s power in our lives. You can find more information about this title and others offered by HGBM at www.highergroundbooksandmedia.com.
If you would like more information about this book, please call Rebecca Benston at 937-925-0387 or email highergroundbooksandmedia@gmail.com.
Aug 2, 2021 | Business
Now Available for Pre-Order. The Adventures of Woody & Butch: Woody’s Boat Adventure by Arlene Nichting. In this installment of the Adventures of Woody & Butch, the duo takes an unexpected journey that turns into a wild adventure. As they find their way back home, they meet up with a stranger who helps them get back home. And once again, a new friend is made.
Arlene Nichting lives in New Richmond, Ohio. She has written several stories in the Woody & Butch series. She has owned and managed three businesses, now retired. She loves being with children all ages, especially her grandchildren. Arlene enjoys singing, music, swimming, bicycling and walking. She feels very blessed with a wonderful husband, family and friends.
Higher Ground Books & Media is an independent publisher based in Springfield, OH. We publish stories that are inspirational, educational, and motivational. Our work is Christian-based and we strive to share stories of positive transformation that showcase God’s power in our lives. You can find more information about this title and others offered by HGBM at www.highergroundbooksandmedia.com.
Jul 15, 2021 | Business
Now Available, Zooverbs 2 by Will O’Toole. This sequel to Zooverbs is both fun and educational; filled with a whole new set of quirky animal names that can also be used to describe actions. This book is a grammar lesson wrapped in an adventure.
Will O’Toole is a beloved husband, father, teacher and sports cartoonist and journalist who has been utilizing his love of cartooning for many years to bring joy and laughter to all around him. His cartoons encumber a number of topics such as sports, politics, entertainment and many other forms of media. He has written and drawn for publications and websites such as NESN, YES Network, CBS Sports where his endearing and wacky characters found a home. Zooverbs 2 is a chance to combine these caricatures with and array of animal verbs for students and kids of all ages, young and old, big and small to expand and enrich their vocabulary and writing while sharing many laughs along the way.
Higher Ground Books & Media is an independent publisher based in Springfield, OH. We publish stories that are inspirational, educational, and motivational. Our work is Christian-based and we strive to share stories of positive transformation that showcase God’s power in our lives. You can find more information about this title and others offered by HGBM at www.highergroundbooksandmedia.com.
May 1, 2021 | Business
As an inducement for couples to both purchase long-term care insurance, discounts of up to 30 percent have been available.
“Leading insurers offer significant discounts for married couples or partners,” explains Jesse Slome, director of the American Association for Long-Term Care Insurance (AALTCI). “The discount can reduce the premium cost by as much as 30 percent when both spouses apply. When only one spouse is insured the discount will still yield a 15 percent savings.”
According to AALTCI, the spousal or partner discount is being reduced or disappearing. “As insurers file new policies for state approval, the new discount is 15 percent when both spouses have policies or just five percent when only one spouse is insured,” Slome explains.
About a dozen states have yet to approve new policy pricing filed by leading insurers. “This provides couples an opportunity to lock in the higher discount and some significant savings,” Slome advises.
Currently, the states where the higher discount remains available include Delaware, Florida, Hawaii, Montana, New Jersey, New York as well as North and South Dakota and the District of Columbia. California and Connecticut have different pricing models with higher discounts still offered in some situations.
“The ability to still lock in the spousal discount is one reason to act now,” Slome suggests. Insurance companies require applicants to meet fairly stringent health requirements. Recent studies reported by the Association reveal that after age 60, there is a 50 percent chance that one of the two spouses will not health-qualify for coverage. “You want to look at this protection when you are still likely to health qualify,” he adds.
According to AALTCI’s 2021 Long-Term Care Insurance Price Index, a California couple both age 65 might pay $3,350 (combined) for a policy from a top insurer that provides each with $175,000 of potential LTC benefits. In Texas, where the higher spousal discount no longer is available, the same coverage will cost $3,850 annually.
The American Association for Long-Term Care Insurance (AALTCI) advocates for the importance of planning and supports insurance professionals who market both traditional and hybrid LTC solutions. To obtain long-term care insurance costs call the organization at 818-597-3227 or visit their website at www.aaltci.org.
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