We have new federal tax laws adopted in early 2013. What does that mean for you? Some of the tax laws are generous, such as allowing the federal death-tax-free estate to remain at over $5 million. If you are a single person and assets you own, including the death benefit of life insurance, have a…
A new year is the time to take a deep breath, and make a fresh start. There were probably things you did or did not do in 2012 that in hindsight you wish you had done. That’s just life repeating itself. No matter, you still have a chance to improve your retirement future. The Wall…
The U.S. Government has no money! Can seniors expect help from the government to pay their long term care expenses? Who needs long term care? People over age 65 have a 50-70% chance of needing care before they die. What does it cost? At home: $20 per hour to $15,000/month for 24-hour care Assisted Living: …
In my family it was not polite to talk about money. Only one family member was open with me and that was because she wanted me to pay her bills. Cousin Kathie was in her 80s when she asked for my help with her finances, and I took over completely when she turned 90 as…