Prepping for Long-Term Care

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Q: What is long-term care insurance? A: Long-term care insurance is custodial care insurance. It covers care generally not covered by health insurance or Medicare insurance. Long-term care insurance generally covers home care, assisted living, adult day care, respite care, hospital care, nursing homes and Alzheimer’s facilities. When home care coverage is purchased, long-term care [&hellip
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Tax Facts You Need to Know

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I often get a lot of tax-related questions in my business. Here are the answers to some of the most common queries: • For how many years do I need to keep tax returns? You should keep your tax returns from 2008, 2007, 2006 and 2005. The IRS will usually only go back three years, [&hellip
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The ABCs of UV rays

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Q:There are lots of sunblocks out there with SPF numbers on them. What exactly do these numbers mean? A. Sunblocks—or sunscreens—work to prevent the damage of ultraviolet (UV) rays, an invisible component of sunlight. There are three types of UV rays: UVA, UVB and UVC. UVA is the most abundant of the three ultraviolet rays [&hellip
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Managing Menopause

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Question: When does menopause really begin? Answer: A woman reaches menopause when a year has passed since her last period. Menopause, like many of the changes in a woman’s body through her lifetime, is caused by changes in hormone levels. Menopausal transition, called “perimenopause,” is the time when a woman’s body is close to menopause. [&hellip
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ENLARGED PROSTATE DOESN’T NECESSARILY MEAN CANCER

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Q:I know I have an enlarged prostate. Is this a sign of cancer? A. Most men with enlarged prostates don’t develop prostate cancer, but there’s a lot more to this question. The prostate is a walnut-size organ that surrounds the tube (urethra) that carries urine from the bladder. The urethra also transmits semen, which is [&hellip
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HOW TO MANAGE THE TRIPLE THREAT

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In the world of financial planning, seniors have long been associated with CDs, money market accounts and treasury bonds—the stodgiest and most conservative of investments. Protect the hard-earned wealth at all costs and, if you’ve planned well, your assets will last—or so conventional wisdom goes. Yet the truth of the matter is that sometimes protection [&hellip
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