The Basics of Long Term Care Insurance

By Bill Lennon Because Long Term Care Insurance is a relatively new product offered by insurance companies, most people don’t know enough about it. For most people, thinking or learning about Long Term Care insurance is not a top priority or at the front of their minds, but as many learn, Long Term Care insurance plays an important role in bringing comfort to their lives knowing... [Read more]

Long Term Care Insurance – Important Decision for the Future

By Will Jones The decision to purchase long term care insurance is a very important financial decision that should not be rushed. Purchasing long term care insurance is a serious consideration with the ever rising cost of home health care and nursing home care. The main reason to purchase long term care insurance is to avoid being a burden to loved ones and also depleting all your... [Read more]

Check Out Energy Rebates

EnergyStar.gov –  Check Out Energy Rebates This is a government site that offers lots of energy saving tips as well as explains what energy saving grants or credits might be available.   Powered By WP Footer Read More →

Twin Cities Foreclosure Trends-From our MLS & Realty Trac

Besides the board of realtor sites:  http://theThing.mplsrealtor.com and market data posted elsewhere at http://www.MplsRealtor.com I have a subscription to Realty Trac.  My subscription gives me additional data about foreclosures and trends within certain zip codes.  This is in addition to my daily subscription to Finance & Commerce (a business newspaper that prints all the... [Read more]

Real Estate Information

These are a couple of my newsletters that have a ton of valuable information. Go check them out. Foreclosure Market Trends Newsletter http://www.realtytrac.com/MarketTrends/NewsLetter.aspx?guid=131bd355-1b69-4bd1-99cd-2f0c9a936810 Real Estate Cyber Space Tips http://www.REcyber.com/cybertips/r11627   Powered By WP Footer Read More →

Outstanding Video-An Inspiration To All-Be The Best You Can Be!

  Powered By WP Footer Read More →

Twin Cities Home buyer book

Thinking about buying a home but don’t know where to start? Why not start by reading the home buyer hand book that we have provided below. It is a great place to start to get the information you need. When you’re ready, we would love to help you find and finance a new home. MN Home buyers handbook View more documents from John Mazzara.   Powered By WP Footer Read More →

Feel Like Un-Retiring? How to Prepare

Last October, the MetLife Mature Market Institute released a study that said the over-55 workforce will account for almost 93 percent of the net increase in the U.S. civilian labor force between 2006 and 2016. At the same time, MetLife reported that many American workers plan to stay on the job “at least” until age 69. The Pew Research Center’s Social & Demographic Trends... [Read more]

Three Senior Resources for Medicare Info

I just got off of a webinar where they listed 3 different resources for seniors to get more information about medicare, signing up for medicare and the supplements.  They are as follows:  http://www.Medicare.gov –This is the Federal government,  http://www.Medicare.org  This is the senior resource center for medicare information,  and http://www.cms.hhs.gov  Center for... [Read more]

Long Term Care Consumer Resource

The US Department of Health and Human Services has developed a website at http://www.LongTermCare.Gov They have articles and other information kits available for free.  The National Clearinghouse for Long-Term Care Information put this together.   Powered By WP Footer Read More →

Open Source Documents-Unbelievable Resources-Find YOUR topic of Interest

If you’ve never visited http://www.Archive.org, you are missing a wonderful site.  From this site, you will find many resources that are out of copyright and you can download and use them as you wish.  You will find all the classics and some fun things as well.  Just for fun, I have the download of a book called “Little Gardens” which is a book about setting up... [Read more]

The Federal Death Tax Might Be Taking a Holiday, But Keep an Eye on Your State’s Estate and Inheritance Tax Policy

With the 24/7 rush to get health care reform legislation through the U.S. Senate in the waning days of 2009, Congress let the federal estate tax die for 2010 as planned by the Bush Administration back in 2001. That’s not expected to stay the case for long – many experts anticipate that Congress will re-apply exemption levels with retroactive legislation sometime this year to help... [Read more]

Sell Your Home Faster-Learn The Home Selling Secrets Of Successful Sellers

Here is a special report that outlines over 450 ideas on how to sell your home faster.  This report is just one of the many home buyer, home seller, and investor reports that I can make available to you.  Read this report and call me to arrange a time to see how I can help.  Download Now   Powered By WP Footer Read More →

2010 Eligible Long Term Care Premium Deductibility

The Internal Revenue Service (IRS) has announced its annual cost-of-living and inflation adjustments for 2010 in Rev. Proc. 2009-50. Tax laws require the IRS to adjust the dollar amounts of dozens of tax provisions each year to account for inflation, including adjustments for eligible long-term care insurance (LTCI) premium deductions. Tax-qualified LTCI premiums are considered medical... [Read more]

How Your Personality Affects Your Financial Decision-Making

All investors are not created equal. That’s why financial planners start their first client meetings with a discussion of money attitudes, goals and risk tolerance – the driver at the root of all investment decisions. Some planners do this by general conversation, others by detailed surveys they ask their clients to fill out. The survey route can be a more valuable tool because... [Read more]

The Importance of Having Separate Disability Coverage

If you’ve never taken notice of disability coverage before, it’s time to start. Disability insurance protects your ability to earn an income. It provides money to pay your rent, mortgage and basic living expenses if you are injured or sick for an extended period. It is called disability insurance or disability income protection but think of it as income replacement when you are... [Read more]

Minnesota Resource Websites For Seniors

Here are few you might want to visit book mark for your future reference. Minnesota Department Of Commerce  http://www.Commerce.state.mn.us Minnesota Department Of Human Services  http://www.dhs.state.mn.us Minnesota Long Term Care Partnership  http://www.MNltcpartnership.org To get a PDF download entitled “Long Term Care Partnership And Medical Assistance Asset Protection” visit... [Read more]

Extension And Expansion Of Home Buyer Credit-4/30/2010

A Big WOW!!  The credit has been expanded to include homeowners who have owned their home for the past 5 years. No longer do you need to be a first time buyer.  The dollar limit is $8000 for first time buyers and $6500 for move up buyers.  This GREAT news.  Combine this with 50 year lows in interest rates, and you’d be crazy not to consider making a move.  If you feel secure... [Read more]

Home Buyer Tax Credit Information Update

It’s now official!! The tax credit has been extended and expanded. YOU NEED TO HURRY! You now have until the end of April 2010. The following summary of the credit is provided by the National Association Of Realtors. The following two documents cover the changes in the new law. Now get out there and buy a home!! NAR FAQ: Homebuyer Tax Credit Changes NAR Issue Brief: Homebuyer... [Read more]

Prepare Now for Moves on the Estate Tax

The nonstop discussion this year of health care reform and the economy crowded out discussion on the estate tax, which was scheduled to expire December 31. But as of this writing it appears that the estate tax will be continued at 2009 levels through 2010, which means that the 2010 top rate will likely be 45 percent and the exemption will be $3.5 million per person. For now, the Republican... [Read more]

ABC’s John Stossel Destroys/Pulverizes/Crushes Obama’s anti-American ‘Health Care’ Plan

  Powered By WP Footer Read More →

Long Term Care Insurance-by MN Attorney General

Looking for EXCELLENT information as either an immediate download or mailed to your home for FREE?  Check out what the MN Attorney General provides on their website.  Here- https://www.ag.state.mn.us/Office/Publications.asp is the link to order any of their publications.  Click here for the one entitled “Long Term Care Insurance“   Powered By WP Footer Read More →

Nursing Home & Assisted Living-info provided by MN Attorney General

Looking for EXCELLENT information as either an immediate download or mailed to your home for FREE?  Check out what the MN Attorney General provides on their website.  Here- https://www.ag.state.mn.us/Office/Publications.asp is the link to order any of their publications.  Click here for the one entitled “Nursing Homes & Assisted Living“   Powered By WP Footer Read More →

Minnesota Unlicensed Health Plans-By MN Attorney General

Looking for EXCELLENT information as either an immediate download or mailed to your home for FREE?  Check out what the MN Attorney General provides on their website.  Here- https://www.ag.state.mn.us/Office/Publications.asp is the link to order any of their publications.  Click here for the one entitled “Unlicensed Health Plans“   Powered By WP Footer Read More →

Senior Rights Outlined-By MN Attorney General

Looking for EXCELLENT information as either an immediate download or mailed to your home for FREE?  Check out what the MN Attorney General provides on their website.  Here- https://www.ag.state.mn.us/Office/Publications.asp is the link to order any of their publications.  Click here for the one entitled “Senior Legal Rights“   Powered By WP Footer Read More →

A PRIMER ON MEDICARE AND MEDIGAP COVERAGE

Despite all the public discussion about health care, very few people under the age of 65 understand the basics of Medicare, the federal health program for seniors and certain disabled individuals, or Medigap, the supplemental private coverage many buy to cover treatment that shortfalls what the federal program doesn’t pay. Even if you have years before you qualify, why focus on Medicare... [Read more]

Minnesota Real Estate Newsletter Gives Access To Great Computer & Life Tips

I maintain a number of real estate sites, blogs, and newsletters. One newsletter that provides a number of computer tips to help you function better with a computer is http://www.REcyber.com/cybertips/r11627 The site is full of cyber space tricks and great places to visit. We have link to this site on the list of MN Real Estate links, but I wanted to highlight this particular newsletter... [Read more]

Free Basic Financial Guide

Learn about credit, debt and budgeting.   Powered By WP Footer Read More →

Annuity policies with Long Term Care Benefits

Are you aware that there are fixed and variable annuity products within the marketplace today that provide benefits and increased payouts if you have certain triggering events, such as the inability to perform certain activities of daily living?  There are specific products designed to meet this need and riders that can be added to other products at the time of purchase.  Some require... [Read more]

2009 Long Term Care Tax Guide

2009 Long Term Care Tax Guide >> Click here to Read   Powered By WP Footer Read More →

Consumer Advisory 2

  Powered By WP Footer Read More →

Consumer Advisory

  Powered By WP Footer Read More →

Important Tax Advisory For Business Owners and Self-Employed

  Powered By WP Footer Read More →

Important Tax Advisory For Accountants and CPAs

  Powered By WP Footer Read More →

How Much Does Long Term Care Insurance Cost?

How much you’ll pay for long-term care insurance is based on three factors. Your age when you apply, how much protection you want and your health when you apply. Where you live today and where you plan to retire also play a part. But here is information that’s most important for Minneapolis St Paul Minnesota residents. Your long-term care insurance can be far more reasonable... [Read more]

Nursing Home Jobs

There are plenty of people needed for various jobs in a nursing home setting. They all come together in order to provide quality care for those that they are working with. Most of the jobs are professional in nature. They include doctors, nurses, and physical therapists. There are generally nursing aides as well that help with various types of work such as bathing and feeding. This... [Read more]

Nursing Home Abuse

People often have a hard time moving a loved one to a nursing home. Yet it may be the viable solution when they aren’t able to care for themselves. At a nursing home there is to be a warm atmosphere with other people to interact with. All of the basic needs such as a room, for shelter, food, showers, and medical care should be provided. It can be nice to know that there are others... [Read more]

Nursing Homes

The majority of individuals that you will find living in a nursing home are elderly. They are often still full of life but they require ongoing medical care. Their health needs may have made it impossible for them to safely live on their own any longer. A nursing home is different than a hospital because they people can engage in various activities and outings. Some younger people... [Read more]

Nursing Home Care

One of the most important elements of a nursing home is the quality of care that is provided to the patients. The level of care won’t be the same as the needs of the individuals vary. Some nursing homes take people that require all levels of care. Others though have certain things that a person must be able to do on their own before they can be accepted. One of the big problems with... [Read more]

Manor Care

Manor care is very similar to nursing home care. Yet the residents are able to care more for themselves. They often don’t need the same level of ongoing medical care as nursing home residents. They are able to be semi independent and that is very important to many people. Manor care may be a short term need to recover from an illness or even surgery. It can also be a long term care... [Read more]

Consumers Generally Unaware Of Significant Ways

To Save On Long-Term Care Insurance Protection If you are 50 or older, most financial professionals agree that planning for the future potential risk of needing long-term care is a smart move. It’s an even smarter move to save money on that protection and, with a bit of checking today, experts report that you can save anywhere from 10-to-40 percent each year. “Many individuals... [Read more]

Tax-Advantaged Long-Term Care Insurance

Provides Special Benefits Exclusively For Business Owners To encourage more Americans to plan for the potential risk of needing costly long-term care, the Federal government and a growing number of states now offer significant tax-saving incentives for the purchase of special tax-qualified long-term care insurance. “The cost of long-term care coverage could be fully tax-deductible.”... [Read more]

Free Guide: Tax Deductibility For Long-Term Care Planning

2009 Tax Limits Higher Than Prior Years The Internal Revenue Service has announced increased tax deductibility limits for those purchasing special tax-qualified long-term care insurance protection. The higher limits can provide significant savings for individuals as well as those who are self-employed or own a small business. A free quide explaining the tax deductibility rules published... [Read more]

For Women: Free Long-Term Care Planning Guide

Booklet Explains Issues And Options For Women With Spouses + Women Living Alone Women are significantly more likely to need long-term care and yet few are prepared, according to a new consumer guide published by the American Association for Long-Term Care Insurance. Women have 10 times the chance as men of reaching age 85, make up almost three-fourths of nursing home residents. “Long-term... [Read more]

What Involves Elderly Caregiving?

What is Care Giving? Caring for elderly becomes necessary when they reach the stage in their lives wherein they are physically unable to care for their own bodies or other daily needs.  This task is a physically and emotionally difficult one for the one assigned to do the care giving. Hence, this explains why there are several caregiving stations wherein people are paid to care of... [Read more]

Understanding the Need of the Elderly

Caring for the Elders As people reach a certain age range, they tend to produce limitations in their functions and capabilities. When they are unable to perform their regular duties, oftentimes assistance from someone else becomes necessary. If the need to require another person’s physical assistance can be difficult for the elderly person, the same level of difficulty is expected... [Read more]

The Best Options For Elderly Care

Caring for elderly involves lot of work and continued assessment of the needs of an aging person. But with the vast options available in terms of elderly care, choosing the best option is a lot trickier than you might have anticipated. Below are some of your best choices and assessment for each option. Nursing Home This particular elderly care facility provides services from skilled... [Read more]

Surviving Care for the Elderly

Those in charge with caring for an elderly parent or relative will go through physical and emotional hurdles involved with this difficult task. However, with proper knowledge of your choices and proper assessment of the situation and resources available to you, then you should not find it Surviving Elderly Care One of the best ways to cope with and survive the challenges of elderly... [Read more]

Safety Issues Involved With Elderly Care

Opting for elderly care at home entails various safety considerations on your part to ensure that you are not posing any threat to their health and safety. Due to the lack of coordination and reduced sensitivity to their environment, elderly individuals also lack the capacity to assess the features on their environment on whether it poses hazard on them. Hence, the responsibility lies... [Read more]

Practical Tips for Effective Elderly Care Giving

Effective caregiving only means the ability to provide for the elder’s needs and improving their lives without exactly ruining yours. Indeed, some people can become entirely dedicated into providing for the needs of the elders that they can tend to ignore their own set of needs. Take note of the following tips to perform a better job at care giving for the elders. Time and Attention... [Read more]

Overcoming Communication Problems Involved With Elder Care

Identifying Communication Problems Lack of proper communication is one of the biggest hurdles in elderly care. It can lead to frustration in both the elder person and their caregiver. There are several reasons why communication become less effective with older people, but most of them are due to their reduced hearing capacity or inability to express their thoughts clearly. Since communication... [Read more]

Caring for Elderly With Terminal Illness

Caring for Terminal Elders Caregiving for elderly people is difficult in itself, but it proves to be more of a challenge when emotional hurdles become involved. This case is often true when family members or relatives of the elderly individual are assigned to nurse or care for them at home instead of entering them in adult care or nursing facilities. Emotional difficulties are further... [Read more]

Care Giving For Elderly At Home

Home-based Care For Elders Despite the increase of health care and elder care professionals or institutions, most people still opt for home-based care for elders. One of the most important consideration if you were to opt for in-home elderly care is to have family caregivers willing to provide assistance and attend to the needs of their elderly loved ones. Although the quality of service... [Read more]

Adult Day Care Center

What is an Adult Day Care Center? When your elderly parents or loved ones retire, you need to provide proper care and settlement for them. There are various institutions and elderly care programs available to those who wish to provide quality senior care for their loved ones, in case you are unable to attend to them personally. Adult day care is just one of your many options. Why should... [Read more]

The Death Tax Is Likely To Live On

The Death Tax Is Likely To Live On, So High-Net Worth Individuals Might Consider a Qualified Personal Residence Trust The Obama Administration has indicated its plans to block the estate tax from disappearing in 2010, though to offer a bit of relief, it might freeze it at the rate and exemption levels that took place this year. That would mean that estates worth up to $3.5 million... [Read more]

Is Your Child Headed To College Next Fall?

Is Your Child Headed To College Next Fall?  It’s Time for Both of You to Take a Crash Course on Borrowing and Spending Even if you’ve planned relatively well for your future college student’s expenses, the credit crunch and downturn in investment income for colleges have changed the game for financial aid at many schools. That means both parents and students need to approach... [Read more]

If Medicaid Is Your Plan For Long-Term Care – Think Again

For years, Medicaid Planning has been a popular way for many Americans to plan for the eventuality that they may require long-term care. For those unaware with the term, Medicaid Planning is the process by which those with the means to pay for their own long-term care divest themselves of assets so they can pass their financial obligations on to the government. As a result Medicare... [Read more]

Long-Term Care Can Offer Big Tax Breaks For Businesses

Whether the founder of a large corporation or the owner of a smaller operation, most business owners are interested in offering employees quality benefits at a reasonable price. Tax advantages can also make certain benefits even more attractive—to both you and your employees. One often-overlooked benefit – long-term care insurance – can offer substantial tax breaks while... [Read more]

How Does Long-Term Care Affect America’s Working Population?

At first glance long-term care may seem to only affect the older generation, as a business owner you might already know differently. Even though your employees probably don’t currently need long-term care themselves, it’s likely that some of your employees have a relative or loved one who relies on them to provide care. In fact, a recent national study by the National Alliance... [Read more]

Interested in Retaining Key Employees? Consider Long-Term Care Insurance

Andrew Carnegie once said, “Take away my factories, my plants, take away my railroads, my ships, my transportation; take away my money, strip me of all these, but leave me my men and in two or three years, I will have them all again.” As a business owner, you’ve no doubt experienced the challenge of attracting and retaining quality employees. And, if you own a smaller business,... [Read more]