Want more energy? Spend money. Get a pill which might or might not work. An easier and less costly remedy? Go for a walk. A new study found that even gentle lunchtime strolls can improve people’s moods and improve their ability to handle stress at work. I’m going to admit to a bias here because…
Disclaimer: This information should not be substituted for legal advice. It’s important that if you are considering creating any of these agreements that you see a lawyer who can craft a document honoring your commitment to each other but looking at your unique needs and circumstances. All of these agreement can be complicated and an…
Disney has spent a lot of time in the news in the past couple weeks and not in a good way. The California amusement park is linked to over a hundred cases of measles, a disease the US reported eliminated in 2000. While the disease may have started its outbreak in a theme park, its…
Would you like to increase your retirement cash flow by tens of thousands of dollars? A Pew Research Center survey in 2013 found that Social Security is one of the most popular federal programs. Despite its popularity, few people understand how it works. One of the most important choices presented by Social Security to beneficiaries…
Two years ago, a settlement agreement ended Medicare’s use of the “improvement standard.” At least it was supposed to. But, despite the agreement some beneficiaries continue to be denied coverage and federal officials are refusing to take any further action to ensure that providers are aware of the change. Under the long standing improvement standard,…
If you’re in your 50s, retirement is on the horizon. Here are some important financial planning decisions you need to keep an eye on. Don’t dip into retirement. With the average employee having seven careers in a lifetime, there’s a possibility that you’ll experience seven or more temptations to cash out an IRA rather than…
At the end of December, a New York trial court ruled that residents of a continuing care retirement community (CCRC) breached their contract when they applied for Medicaid before spending down their assets. Good Shepherd Village at Endwell v Yezzi (NY Slip Op 51900 – NY: Supreme Court, Broome 2014). In 2009, Peter and Hazel…
About 80 percent of older Americans struggle with at least one chronic condition. About 50 percent struggle with at least two chronic conditions. But poor health doesn’t have to be a by-product of aging. What’s more with the number of Americans 65 and older expected to double in the next 15 years, not only can…
Last week the Florida Supreme Court ruled that individuals engaging in some Medicaid planning activities were practicing unlicensed law. The ruling supported an advisory opinion of the Florida Bar (No. SC14-211) that proposed that persons engaging in: drafting personal service contracts, preparing and executing qualified income trusts, or rendering legal advice as regards Florida state…
Older Americans (81 percent of them anyway) have bought into the idea that owning your own home is the American dream but some retirement advisors are taking a new look at the assumption. The answer so far is very much in the air. Owning your own home confers wealth accumulation, better neighborhoods, better outcomes for children…
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