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Author Archives: Rick Messemer
OPTIONS FOR SENIOR LIVING
GETTING OLDER…………. WHAT ARE YOUR HOUSING OPTIONS? -Age in Place: Make sure your home is safe and fully accessible. Should you have a pendant or watch that indicates a fall or other emergency? Door bell monitor? Understand and vet all … Continue reading
Assisted Living: Possible ways to pay
Assisted Living is basically defined as a community to help an individual with their “Activities of Daily Living”. ADL’s are: Walking, or otherwise getting around the home or outside. The technical term for this is “ambulating.” Feeding, as in being … Continue reading
Is it Dementia (Alzheimer’s) or is it something else????
Before you accept a diagnosis of Dementia, please have a full physical exam. 4 medical issues that could be mistaken for Alzheimer’s disease: •Medication. The medications your doctor prescribes could provide different side effects as you age. … (Have your … Continue reading
Shareholder rights (Especially if you own shares in small or privately owned companies)
Protecting Your Rights as a Shareholder If you are considering purchasing shares in a company, do you understand the potential risks as well as the perks? What are the rights and privileges of a shareholder? And how do you protect … Continue reading
You should have easy access to these documents
Can you find your important “papers” when you need them most (and fast)? Important paperwork and documents are markers of adulthood, and they become even more important as we age. While we should all strive to have our documents in … Continue reading
Pre-Paid Funeral. I’m afraid my investment will be lost
I’m sure you’ve heard the story of people who lost the whole amount they gave to the funeral home that went out of business or was sold? In N.C. – here is why it’s safe for you to do. The … Continue reading
If you are receiving Medicaid Waiver Payments, you need to read this!
Article Highlights: What are Medicaid Waiver Payments? IRS Ruled Them to be Non-Taxable Taxpayer-Favorable Tax Court Case Tax Credits Amended Returns Medicaid waiver payments are a type of payment from a state to an individual to take care of another … Continue reading
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Medicaid Planning? Starting with the finances.
Assets we’ll look at: Checking accounts Savings accounts Brokerage accounts Certificates of deposit Stocks and bonds Savings bonds Primary residence if applicant does NOT intend to return home (note that if equity is greater than $595,000.00, then applicant does not … Continue reading
Financial (General/Durable) Power of Attorney
Understanding Financial (General/Durable) Power of Attorney A power of attorney allows a person you appoint — your “attorney-in-fact” or agent — to act in your place for financial or other purposes when and if you ever become incapacitated or if … Continue reading
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Health Care Power of Attorney: North Carolina
North Carolina HEALTH CARE POWER OF ATTORNEY: 7 things to think about What is it? In North Carolina a Health Care Powers of Attorney authorizing someone to make medical decisions for you, if you become unable to make or … Continue reading
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