Sleep Patterns Change as We Age
We often hear - “I did not sleep well at all last night” from family or friends. Or perhaps "I kept waking up with my mind racing and couldn't fall back to sleep." Sleep patterns tend to change, and that…
The Elderly Are Facing Financial Challenges
Financial difficulties are clouding the golden years for many older Americans. One article addressed some of the seniors’ biggest financial challenges and what they can do to fight back. What follows is a summary of the article. Historically Low-Interest Rates…
Court Rules the Fiduciary Rule Is No Longer Enforceable
The Fifth Circuit Court of Appeals found that the U.S. Labor Department’s fiduciary rule is no longer protected or able to be enforced. The fiduciary rule required financial advisors to act solely in their clients’ best interest as it related…
The Elder Abuse Prevention and Prosecution Act
The Elder Abuse Prevention and Prosecution Act was designed to combat the growing epidemic of the elderly being taken advantage of financially and abused physically. A study conducted by the National Council on Aging indicates that approximately 1 in 10…
Take Your Social Security Benefits Early, This Is Why…
Your overall amount will be unaffected if you start receiving your social security benefits at an early age. Because you will be taking it at a younger age, your monthly payment will be smaller than if you had waited but…
Your Voting Right Is Protected in a Power of Attorney
One of the most important rights of being a US citizen is the right to vote, but this right could be revoked if you became a ward in a guardianship. Having a strong power of attorney is essential to avoid…
Important Items to Consider Before 65
In order to make the most of your estate and government benefits, several factors need to be addressed before turning 65 years old. Overall the most crucial thing to do before turning 65 is to invest your time wisely crafting…
The Mechanics of a Will
A complete estate plan must include a will, which is a legal document that disperses your property upon death. If you die without one (intestate), the state will distribute your assets and property via state law and quite possibly at…
Military Benefits That Could Help You
Veterans have several educational and health care benefits offered through the Tricare and GI Bill by The US Department of Veterans. Even with these programs that help veterans and their families, other little-known services can improve their lives and ease…
Factors to Think About When Purchasing Special Needs Housing
If you are in the market for special needs housing, it is essential that you consider some important factors. The US Department of Housing and Urban Development (HUD) website lists state, local government, and other organizations that can help you.…