There are two ways to get Medicare. There are two ways to get drug coverage. Original Medicare doesn't cover everything. Location impacts your coverage choices. Calculate all your Medicare costs. Protection from high out-of-pocket costs is available. Timing matters when you first enroll. You may be able to enroll or make changes at other times [...]
The main objective of my column is to equip and prepare you, the reader, for an unannounced health event leading to a short or long term care event, while protecting you from huge consequences to your retirement plan. [...]
Don’t fall for a cheap estate planning process and don’t do your own planning. If you do, you may end up making serious errors. You should not sacrifice great planning for a supposed money-saving deal which likely won’t work and will cost you or your heirs thousands. [...]
We’ve always been told by our elders, not to take life for granted. Respect and enjoy the freedoms given to us. If we plan for our tomorrows, that often involves insurance that help us manage events that could otherwise have catastrophic financial consequences. [...]
1. Make your own checklist of deadlines, things to do and who to call. Keep it handy to keep you on track so you don’t forget what needs to be done. 2. When looking at deadlines, put a mover on your list fairly early in the process. [...]
Want to know what’s useless? An estate plan that doesn’t work. Useless estate plans become a problem after it’s too late. The person who left the mess dies or loses capacity, and they never know the anguish and problems they caused. But their family has to pick up the pieces. [...]
The start of a new year gives many people motivation to take a fresh look at their finances and focus on their goals for the future - but, as the year progresses, this enthusiasm can fall to the wayside. If you’re someone who falls into this trap, there are steps you can take to stay motivated and set attainable goes for 2021 and beyond. [...]
Dave Loggin’s theme song, “Augusta” has graced “The Masters” Golf Tournament television special over the years with its easy piano & guitar duet melody. Whether you are a golfer or not, this reverent, reflective tune reminds me of spring, perhaps closing a chapter on winter issues that dissolve in the beauty of a new season. [...]
When considering Medicare options, should you consult with a Seniors’ Health Insurance Information Program (SHIIP) volunteer or a licensed Medicare and health insurance broker? In central North Carolina, there are 74 different prescription drug and Medicare Advantage options and 64 Medigap plans to choose from. Picking the right plan is critical. [...]
Navigation at Home is Salemtowne Retirement Community’s personalized, membership-based program that offers the necessary long-term care support for people to age in place in their own home. Navigation began operating five years ago under the name Navigation by Salemtowne. [...]
