The Basics

Long Term Care Insurance

Americans are living longer.  It is predicted that approximately 70% of individuals over the age of 65 will be unable to complete at least two of the activities of daily living.  By 2025 it is expected that for every 100 middle age individuals, there will be 253 seniors (definition given for “seniors” varied by age […]

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Avoiding Common Medicare Mistakes – Part 3

In this final blog about Medicare, we will discuss some highlights regarding prescription drug coverage.  Check your plan for Part D as to covered prescription drugs and which are formulary and non-formulary.  Each plan has lists of drugs fitting into each category.  If your drugs are not on the approved list, you may have to […]

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Avoiding Common Medicare Mistakes – Part 2

Last week, we talked about enrollment periods and what happens if you fail to enroll at a specified time.  This week, we will discuss the different types of Medicare.    There is confusion with original Medicare and Medicare Advantage plans.  When you are eligible for Medicare, you have a choice which is dependent upon your health […]

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Avoiding Common Medicare Mistakes

Medicare open enrollment is upon us.  It can be a daunting time with choices to be made.  Choosing the best Medicare options that will work best for you can be complicated. This is the first of a three-part series which will help you avoid some common Medicare mistakes. That magical birthday of 65 is approaching.  […]

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The Right To Die Legislation

New Jersey recently enacted the right to die or assisted suicide legislation as the eighth jurisdiction in the U.S. to allow a fatally ill individual to make a decision to end their life. New Jersey joins Hawaii, Colorado, Oregon, Vermont, Washington and California. The legislation is deemed to be a commitment to individual dignity, informed […]

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Household Employees

You have the luxury of a cleaning person.  A neighborhood kid cuts your lawn or shovels your snow.  You have a great babysitter when you need one.  You have someone who runs errands for you.  It is so nice to have people you rely upon and who can help you out.  But, wait!  Are these […]

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Preparing for Disasters

We are in the midst of hurricane season and while most of us do not have to worry like some, the Internal Revenue Service reminds everyone to develop an emergency preparedness plan. Taxpayers, whether individuals, organizations or businesses, should take time now to create or update their emergency plans. So, even though we may not […]

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On-Line Deposit Accounts

Everyone wants to make the best return on their hard-earned money and many people shop around to find the best interest rate.  In our world today, we may find better rates at on-line banking sites than we can find in our brick and mortar banks.  BUYER BEWARE! In working on an estate recently, the decedent […]

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Record Retention and Disposal

You made it through tax season and you start thinking about the accumulation of records that you have for tax purposes – what to keep, what to dispose of, what to do.  Here are a few tips to help you do some spring cleaning: The IRS generally recommends that copies of tax returns and supporting […]

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Checking In On Your Resolutions – #2

Last week we started our check on our resolutions and we will wrap up our suggestions this week. ARE YOUR HARD-EARNED ASSETS WORKING FOR YOU?  If you have a savings account or certificates of deposit, are you getting the best interest possible on these assets?  If you have a brokerage account, are your assets working […]

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