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What to Do With an Inherited IRA

Posted by Nina Whitehurst | Jun 26, 2019 | 0 Comments

Inheriting an IRA may seem like a good thing, but there can be tax consequences if you aren't careful. If you inherit an IRA, you should check with an attorney or financial advisor as soon as possible to find out your options. IRAs are personal savings plans that allow you to set aside mon...

IRAs Require Special Consideration in Estate Planning

Posted by Nina Whitehurst | Jun 25, 2019 | 0 Comments

Individual Retirement Accounts (IRAs) are a popular investment tool for retirement, but they also need to be taken into account when doing estate planning. Although IRAs can be used to provide for heirs either directly or through a trust, to what extent your heirs will benefit from the IRA and ...

The Ignored Vitamin Cure For Macular Degeneration

Posted by Nina Whitehurst | Jun 21, 2019 | 0 Comments

This eye disease is age-related, striking a significant portion of senior adults and robbing them of independent living in their retirement years. If you want to avert the development of this sight-robbing disease, called macular degeneration, you are going to have to step outside modern medicine. Eye doctors only have treatment but no prevention for this dastardly eye disease that robs senior adults of their central vision for reading, driving and watching TV. A recent report reveals a single nutrient that, by virtue of its ability to facilitate the transport of oxygen on hemoglobin (the red oxygen-carrying pigment in red blood cells), is the antidote to eye, nerve, heart, brain and lung disorders.

What You Need to Know about Family and Medical Leave

Posted by Nina Whitehurst | Jun 19, 2019 | 0 Comments

Federal law has required certain businesses to offer family and medical leave for decades. An increasing number of states have also enacted or considered passing laws requiring businesses to offer family and medical leave. For small businesses, these laws have distinct pros and cons. This article...

Death With Dignity Laws

Posted by Nina Whitehurst | Jun 17, 2019 | 0 Comments

Clients sometimes ask me whether they can authorize their healthcare agent (named in their advance directives or medical powers of attorney) to, essentially, euthanize them if their quality of life becomes intolerable.  The answer is no, that would be considered murder, at least the way the laws ...

How to Deal With Student Loan Debt as You Age

Posted by Nina Whitehurst | Jun 12, 2019 | 0 Comments

The number of older Americans with student loan debt – either theirs or someone else's -- is growing. Sadly, learning how to deal with this debt is now a fact of life for many seniors heading into retirement. According to a study by the Consumer Financial Protection Bureau, the number of older...

Maximizing Social Security Survivor's Benefits

Posted by Nina Whitehurst | Jun 11, 2019 | 0 Comments

Social Security survivor's benefits provide a safety net to widows and widowers. But to get the most out of the benefit, you need to know the right time to claim.  While you can claim survivor's benefits as early as age 60, if you claim benefits before your full retirement age, your benefits w...

Take These Three Steps When Your Child Turns 18

Posted by Nina Whitehurst | Jun 06, 2019 | 0 Comments

If your child has reached the teenage years, you may already feel as though you are losing control of her life. This is legally true once your child reaches the age of 18 because then the state considers your child to be an adult with the legal right to govern his or her own life. Up until you...

Use Your Will to Dictate How to Pay Your Debts

Posted by Nina Whitehurst | Jun 05, 2019 | 0 Comments

The main purpose of a will is to direct where your assets will go after you die, but it can also be used to instruct your heirs how to pay your debts. While generally heirs cannot inherit debt, debt can reduce what they receive. Spelling out how debt should be paid can help your heirs. If someon...

End-of-Life Care Decision Making

Posted by Nina Whitehurst | Jun 03, 2019 | 0 Comments

Just as we create estate plans for our eventual demise, we also need to plan ahead for the possibility that we will become sick and unable to make our own medical decisions. Medical science has created many miracles, among them the technology to keep patients alive longer, sometimes indefinitel...

California Death and GST Tax Proposed Beginning 2021

Posted by Nina Whitehurst | May 21, 2019 | 0 Comments

In this world nothing can be said to be certain, except death and taxes.  - Benjamin Franklin, in a letter to Jean-Baptiste Leroy, 1789, which was re-printed in The Works of Benjamin Franklin, 1817.   And as most of you are all too well aware, sometimes those two things occur at the same time,...

Understanding Medicare's Hospice Benefit

Posted by Nina Whitehurst | May 20, 2019 | 0 Comments

Medicare's hospice benefit covers any care that is reasonable and necessary for easing the course of a terminal illness. It is one of Medicare's most comprehensive benefits and can be extremely helpful to both the terminally ill individual and his or her family, but it is little understood and un...

Medicaid Home Care

Posted by Nina Whitehurst | May 17, 2019 | 0 Comments

Traditionally, Medicaid has paid for long-term care in a nursing home, but because most individuals would rather be cared for at home and home care is cheaper, all 50 states now have Medicaid programs that offer at least some home care. In some states, even family members can get paid for provi...

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