» Life Transitions Planning

Time Share Sellers Beware

In these tough economic times, thousands of time-share owners are anxious to dump their beachfront albatrosses. But it can be tough. Indeed, last year, time-share sales dropped by 40 percent. Preying on this period of desperation, self-proclaimed “… Read More
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Michigan Legislature Likely to Take Up Health Care Exchange

After the June 28, 2012 Supreme Court decision to uphold the Affordable Care Act (ACA), the Michigan House is fairly likely to act on a bill to create a state health care exchange. In November, the Senate had passed Senate Bill 693 (Senator Jim Marle… Read More
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Ford & GM Pension Buyout Offers: What To Do?

Retirees and salaried employees at Ford and General Motors are being offered lump sum “buy outs” from their pension plans. This is a significant decision that has many implications (retirement, taxes, estate planning, etc.) and should be done aft… Read More
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Claiming a Parent As a Dependent

If you are caring for your mother or father, you may be able to claim your parent as a dependent on your income taxes. This would allow you to get an exemption ($3700 in 2011) for him or her. If you cannot claim your parent as a dependent but you hav… Read More
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Government Benefits That May Benefit A Senior In Need

Is there anything more on our minds these days than stretching our dollars? And no question, nothing sabotages your budget like an illness or other health problem, especially one that affects your ability to carry out your everyday obligations. But h… Read More
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House Votes to Repeal Long-Term Care (CLASS Act) Program

On February 1, 2012, the U.S. House repealed a long-term care insurance program created by the 2010 health-care law that the Obama administration decided was too costly to put in place. The 267-159 vote sends the bill to the Senate, where Democrats d… Read More
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Latest Long Term Care Cost Figures

The cost of long-term care continues its upward climb, according to the 2011 MetLife Market Survey of Nursing Home, Assisted Living, Adult Day Services, and Home Care Costs. Private room nursing home rates rose 4.4 percent to $87,235 a year or $239 a… Read More
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You Are Turning 65: Must Do Checklist

If you’re about to turn age 65 (or know someone who is) it’s wise to start taking care of a few personal “house keeping” tasks that can significantly impact your future finances and healthcare. Here is a short list (not meant to be all-inclus… Read More
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Social Security Benefits for Spouses

Social Security doesn’t just pay retirement benefits to retired workers; in some circumstances, it also provides benefits to a worker’s spouse or ex-spouse and to a deceased worker’s surviving spouse. Here are the ins and outs of spouse and sur… Read More
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A Letter of Instruction Can Spare Your Heirs Stress

While it is important to have an updated estate plan, there is a lot of information that your heirs should know that doesn’t necessarily fit into a will, trust or other components of an estate plan. The solution is a letter of instruction, which ca… Read More
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