Wills and trusts have specific yet differentiating benefits for the purpose of estate planning. Each state has specific laws and regulations governing these legal documents. You can have both a will and a trust; however, the information in each should compliment the other. As a standalone, it is not accurate to say one is better…

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“Can’t I just grab a will off the internet, do a transfer-on-death deed for my land, put my kids on my bank account, and be done with my estate plan?” This is a common question we frequently hear. It’s just not a good idea. For the plan to work as you would want it to,…

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While aging in place is very popular among the baby boomer generation, about one-third of those retirees might choose to live elsewhere. The family remains the most significant factor when deciding where retirees live, followed by the general livability of an area and desirable weather conditions. The decision about where to live should be a high priority…

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We are always grateful to those who are caring for the sick, as well as those who work to support those caregivers. At the same time, we should be skeptical of bills which may be presented for that care. The struggle to contain health-care costs in this country is now a fixture in the national…

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Before you leave full-time employment for other pursuits, consider the impacts of your decision on your future financial well-being. The transition to your next phase of life, whether full or semi-retirement, adventure seeking, or family driven, requires thoughtful planning to avoid needless surprises that can mean the difference between financial success or financial stress. Whether…

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When you call 911 for emergency medical services (EMS) your transport may route you to a hospital that is not closest to your home. While you have the right to ask to be transported to the hospital of your choice, either out of preference or to stay in your insurance network of doctors, you might…

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A letter of instruction (LOI) is an important part of any comprehensive plan. A letter of instruction can help your loved ones manage important information about you. A LOI conveys your desires, includes practical information about where to find various items referenced in your plan, and it can provide advice to help those you designate…

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Walking is one of the most effective ways to maintain your overall health as you age. It provides a myriad of benefits both physical and mental. Grab a buddy and walk. It can be your spouse, your neighbor, your children, a friend, your dog or any combination of these. If you don’t have a dog…

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The electronic infrastructure that powers our digital lives, including seniors aging in place, in retirement communities, assisted living facilities, and in nursing homes is a service frequently taken for granted. Everything is fine while devices, enterprise servers, and cloud services are powered up and providing the digital environment senior residents and business operators of senior…

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High unemployment rates related to COVID-19 business closures have hurt business owners and their employees, many of whom are over the age of 50. Though workers of all ages have felt the effects of unemployment or reduced working hours, older workers will fare worse upon re-entering the workforce. Research shows the recession of 2008 found…

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