We received this email and thought it might be worth a try. Let us know if this is indeed true. This information may be something to remember, as this season will soon be here again... It might be wise to carry a penny in your pocket while working in the yard.......... BEE STINGS ! A couple of weeks ago, I was stung by both a bee and hornet while working in the garden. My arm swelled up, so I went to the doctor. The clinic gave me cream and an antihistamine. The next day the swelling was … [Read more...] about A Penny for Your Thoughts…and for Bee Stings?
Estate Planning: What Are Your Objectives?
Those who have decided that the time has come to start to take estate planning seriously would do well to ask themselves if they have any particular objectives in mind. This is a very broad subject because financial situations can vary a great deal. But the majority of people will need to identify their legacy goals as early as possible if they are going to be able to budget appropriately throughout their lives in an effort to meet these goals. There are two different philosophies that people … [Read more...] about Estate Planning: What Are Your Objectives?
Giving Gifts To Enable Medicaid Eligibility
There are those who don't pay particular attention to long-term care costs for two different reasons, both of which are based on faulty reasoning. Some individuals are under the impression that Medicare will take care of all their health care needs once they reach the age of 65, but Medicare does not cover long-term care. There are also those who have a "it'll never happen to me" mentality. Current statistics indicate that four out of every 10 people who reach the age of 65 will indeed require … [Read more...] about Giving Gifts To Enable Medicaid Eligibility
Are Your Pets Provided For In Your Estate Plan?
The reality is that you never know when you're going to pass away so the truly responsible course of action is to have an estate plan in place at an early age, especially after you have anyone relying on your income. This having been said the average lifespan in the United States as of this writing is 78.4 years, so by the time you have reached that age or older if you were to pass away most of the loved ones that are closest to you are likely to be completely self-sufficient. What you are … [Read more...] about Are Your Pets Provided For In Your Estate Plan?
A Look At Small Business Planning
Those who are partners in small businesses need to consider the matter of succession, and this is something that can appear to be a bit complicated at first glance. Because the partners in the business will be directly impacted by the death of one another the matter of succession is something that must be discussed between them, and this is a twist that is not usually a part of the estate planning process. Though your stake in the business may be quite valuable, those who would inherit your … [Read more...] about A Look At Small Business Planning
Advance Directives: Expect The Unexpected
One of the primary reasons people wind up procrastinating with regard to creating an estate plan is because they feel as though they're not going to become incapacitated or pass away any time soon. The truth of the matter is that if we lived in a world full of statistics they may have a point depending on their age. At the present time the average lifespan is 78.4 years in the United States, and people are living longer and longer all the time. It would be very convenient if we knew in advance … [Read more...] about Advance Directives: Expect The Unexpected
Medicaid May Be Part Of The Solution
When you're planning for your retirement there are a lot of things to take into consideration, and one of them is the high cost of long-term care. Each year the MetLife Mature Market Institute puts out a survey that examines the costs associated with long-term care, and the 2010 statistics were telling indeed. In the St. Louis area the average cost for a single day residing in a nursing home was $178, which is just about $65,000 per year. The charge for one month in the typical assisted-living … [Read more...] about Medicaid May Be Part Of The Solution
FRAUD ALERT!
IRS Warns of E-mail Fraud The IRS is currently warning taxpayers of an active e-mail scam in the Midwest. The scam involves e-mails supposedly sent from the IRS that bear copycat logos and the names of real IRS officials. The recipients are told that their payment for taxes due has been rejected. They are then asked to click on a link in order to fill out an attached form and thereby resolve the payment rejection issue. However, the attachment actually contains a virus. This virus allows the … [Read more...] about FRAUD ALERT!
Maximizing Social Security Benefits
When you are planning for your retirement years there are many possibilities to consider and exactly how you go about it will depend on the specifics of your financial situation, your retirement objectives, and your anticipated expenses. Each situation is unique but the one thing that you can probably count on is that you will be receiving Social Security and have access to health care through Medicare during your retirement years. The reason why we say you can "probably" count on Medicare and … [Read more...] about Maximizing Social Security Benefits
Estate Planning: What’s The First Step?
A lot of people procrastinate when it comes to estate planning, and there are many reasons for this but one of them is the simple fact that they don't know where to start. When you think about cleaning out the garage or the basement one of the reasons why it may wind up on the back burner is not because you don't want to do it, but because getting started seems like such a daunting task. It's even more difficult when it comes to estate planning because not only don't you know where to start but … [Read more...] about Estate Planning: What’s The First Step?
