Accurate Home Care’s Post

Does anybody have such a thing as a detailed “Relocation Crib Sheet” filed away as a pdf. or Word Documet, for example? Would you be willing to share it with me, please? I imagine that a number of you have relocated reasonably recently and are organised enough to have created one in order to make the experience run more smoothly than imperfectly perfect? A little smoother than that anyway. I did make a start, compiling a list of all the businesses I would will need to notify of my future change of home address. I do suppose than some of this can be completed as one settles into any new home. Priorities (how much in advance?) include: - Energy provider - Telecommunications Provider - Local Council account creation (Council Tax and so on) - Identifiying an NHS General Practice Surgery in the postcode area which is accepting the registration of new patients - Identifiying an NHS Dental Practice, presuming the existing is too far from the new home to travel to - Optician - Contents Insurance Provider - Banks, Building Societies … - Pension Provider - UK Government DWP on the new home’s part of the country - UK Passport details update - Buy cardboard boxes and parcel tape Thin down objects owned and commence packing boxes well in advance, storing behind a partition screen to minimise storage costs. Accept that those boxes which I will be taking with me may need to be stored in a storage facility charging a monthly amount for a short while - identify a removal company (quotes) - Keep in mind how financially, physically, socially and emotionally such a lengthy process is - Keep in mind that one has four weeks to quit my present tenancy WHEN I notify my landlord that I intend to do so UNLESS I pay them a certain amount of money to extend this window by two weeks to SIX WEEKS - Contact the local council to enquire about PARKING of the removal vehicle to avoid traffic warden tickets or landlord private parking warden tickets —-> buy guaranteed on street parking for the time and date of removal at both the exiting street and receiving street of any new home ……. Food, hydration, rest, pacing …..

DSM Financial Services Wants Clients to Prioritize Self-Care (Exportain.com) https://ift.tt/DIOMeif As enterprise homeowners, it’s straightforward to get caught up within the hustle and bustle of operating our companies, and find yourself neglecting our personal well being. We should do not forget that it’s essential to prioritize our well being with a view to guarantee long-term success, and well being begins with discovering individuals that can uplift you and what you are promoting.  If you’re bored with being underserved and missed by subpar monetary service suppliers, then it’s time to make a change. DSM Tax Solutions is right here to assist enterprise homeowners attain their monetary objectives. DSM is proud to supply top-notch providers in tax preparation, tax planning, 401k , 403b rollovers, life insurance coverage, and credit score restore.  Their providers don’t cease there. They are a rising firm, able to take the monetary world by storm, and in search of companions who share the imaginative and prescient of excellence. Hand in hand with DSM, shoppers will obtain nice service and obtain nice issues. Joining forces with the perfect in monetary providers will solely strengthen your small enterprise.  The reality is, with out taking good care of your self first, your companies will endure. Self-love and self-care embrace discovering people who know how you can maintain you and what you are promoting. Taking time to relaxation, recharge, and prioritize your personal wants whereas figuring out what you are promoting is in good arms will help you present up as your greatest self, each in private life and in enterprise. Taking time to relaxation, recharge, and prioritize your wants permits  So go forward, take that bubble bathtub, learn that guide, or deal with your self to a therapeutic massage. Your enterprise will thanks for it. Remember, self-love isn’t egocentric, it’s important. The post DSM Financial Services Wants Clients to Prioritize Self-Care (Exportain.com) appeared first on USA Current Trend News. via USA Current Trend News https://usctnews.com September 16, 2023 at 02:28AM

PLEASE READ!!! If you wonder why I'm on my soapbox every week, then read this letter and you'll understand why I say that most of the existing Long-Term Care "plans" in place are incomplete...especially, if your clients want Home Health Care.   Unfortunately, we still have Advisors of all flavors who just don't see what's happening and some are even defensive when the author is pointing out a problem...and they continue to show the same solutions. I will explain:   Bob was playing golf with his buddy. His buddy's mom needs care and she's receiving care at home. He talks about money he has spent and the time it has taken to allow her to stay in her home. Next, he drops the bombshell and says he's spending $18,000 a month for her care. That's when Bob has his "Oh, crap" moment and realizes how expensive it is for Home Health Care. Then, he looks at his policy and sees it pays $6000 a month. Where will those extra dollars come from and how can his family get those back? What if his wife's health is failing? He finally gets it, but is it too late?   The questions I have:   - Did you prepare your client for the supplementing for the level of care that they desire?   - Did you show them how to "discount" or "reimburse" these dollars back to their spouse or heirs?   - Did you show ONE product or a combination of #longtermcareinsurance and #lifeinsurance?   - Did you test Cash Flow for Nursing Home Care or Home Health Care?   - Do you have a plan in place that will allow them to pay more for professionals as well as pay family members for their participation on top of what the professionals provide?   Back to the article. We should have put "safety valves" in place that those over 70 could open, if they saw that their needs were more likely to happen. We could have shown how they might not be able to insure 100% of the monthly Cost of Care, but we could "discount" 100% of the dollars they spend on care. The policy doesn't have to be indemnity to pay children. There may be better ways and with greater rewards.   #legacycarepro helps you see problems before they happen. You cannot wait to address these issues at age 70. You must address them pre-retirement. You want to be able to go back to clients and show them how they took advantage of your knowledge. Right now, we still have a "he said, she said" system of making clients feel comfortable about premiums vs. the realities of care.   If you want to be a part of the solution rather than following those who continue to be a part of the problem, then start with our Long-Term Care & Legacy Needs Analysis. DM for a personalized copy.   Feel free to reach out for a demo of the software in your area or allow us to run a case through the software for you. We do not care what BD or RIA resource you use. We are looking to test our software with Advisors and with all levels of clients. ~ Barclay    LTC & Legacy planning #financialadvisor. #financialplanning, #wealthmanagement and #retirementplanning advisors.    

Another US article but this struck me “You may plan to lean on your loved ones for your long-term care. However, your loved ones may need to earn a living wage. If you don't have money to pay your family caregiver, they could be stuck covering your care in addition to a full-time job”. Some families will have the option where someone is ready willing and able to be the full time carer. But for the ‘sandwich generation’ where they are still required to work for much longer (state pension age at 68 anyone?) and are trying to support children who are still living at home - where is the bandwidth to look after an ageing relative? Which can be a hard job - physically and mentally taxing. No-one comes to me and says ‘I want to move into care’. But are they being realistic in their expectation of what their family can and wants to provide? Planning for long-term care is a crucial part of an overall estate planning exercise and one not to be ignored. Getting the right legal & financial advice can make all the difference to a happy later life. Want to know more? Get in touch!

As of 2023, there were circa 810,000 Americans in Assisted Living Care communities. https://lnkd.in/e6KQBabp According to the 2022 Genworth Cost of Care Report the average cost of a room in an Assisted Living Community was $4,500 per month. https://lnkd.in/euFUXVg4 This means, on average, $43.74 Billion is spent every year paying for assisted living within a community. Conservative estimates for Americans receiving Home Health care are 3 times the amount of assited living. According to the 2022 Genworth Cost of Care Report the average cost of a home health aide was $5,148 per month. This means on average, $150.1 Billion is spent every year paying for Home Health Care. These two areas alone total a staggering $193.84 Billion. Clearly these figures are an under represention of the entire Care picture in the US. Two thirds of those in Nursing Homes are government funded. This means one third isnt and are self funding their care. When an individual requires paid for care, it can feel like a crisis. The families, powers of attorney's and care recipients themselves will generally recieve no advice on how to fund that care, both now, and into the future. At best they will be told there should be enough assets to cover, at worst, it will be a guessing game. A game where the families and powers of attorney's hope that Mom or Dad die before the money runs out! The MyImmediate Care Plan is a plan to help those who are already paying for care, either at home or in a community. This plan should be fundamental in every financial conversation for those receiving care. Why? Read the case study and find out. When Americans start to pay for care, it may well be the biggest financial decision they make in their lifetime. You can help them to make the RIGHT decisions. Damien Conway Leigh Maynard Vidale Marketing Group Ltd Federal Life Insurance Company

An Advisor asked, "If you are middle aged plus as are most of your clients, you won’t be there to help them because you will be on claim. What is your plan to help clients 30 years from now?"   This is a great question. One of the biggest problems we have is the fact that we do have an aging Advisor population that will most likely be retired or (as he pointed out) they may be on claim when their clients need care. How will clients know, or your successor know what your intent was when you set up their Long-Term Care & Legacy plan?   Right now, in most cases, they won't. It will look like "here's what the policy pays and here's what's available from Cash Flow." The problem is that the majority of your clients will want Home Health Care, and this will blow through Cash Flow into Principal. You won't look too smart when $12,000 a month is going out the door (that won't come back) because you didn't take the time to show them how to complete their plan.   How do we change this? Comparing Long-Term Care & Legacy plans from the beginning is important. However, it’s more important that we track claims. We're not just talking about claims from what path your clients choose, but from alternatives that were available at the same time. From my years of doing Long-Term Care planning, I can say that most families would do a better job of preparing if they could see the plan past premiums.   It's YOUR Legacy. How well do you want to protect it? Would you want to protect it more for pride? Would it help if we showed how you got paid a retirement bonus along the way? Would your Book of Business be valued higher if it had "Succession Insurance" built in? That means clients wouldn't leave because your successor had their Long-Term Care & Legacy plan in hand...Investments walk, plans are harder to transplant.   Our #legacycarepro software tracks the comparisons and claims from your clients plans for the next 30 years. First, we help clients get started sooner using #longtermcareinsurance and #lifeinsurance. Next, we show them ways to enhance their plan from day 1. Then, we update and monitor their plans over the next 30 years. Once they go on claim, our goal is to have an online system that keeps track of claims. This goes for professional care as well as family caregivers. It will track expenses and make claims easier. Lastly, it will prove the Advisor’s intent versus letting clients decided what to do. It preserves your Legacy!   If you want to see how it works, then start with our LTC & Legacy Needs Analysis. DM for a personalized copy. This allows you to ask the right questions.   Feel free to reach out for a demo of the software in your area or allow us to run a case through the software for you. We do not care what BD or RIA resource you use. We are looking to test our software with Advisors and with all levels of clients. ~ Barclay    LTC & Legacy planning #financialadvisor. #financialplanning, #wealthmanagement and #retirementplanning advisors.

Many seniors are unaware that their life insurance policy can be a valuable asset. Learn how a life settlement could help you cover the costs of long-term care and protect your family's financial future. Click here to read more: https://lnkd.in/eHzctD6q #welcomefunds #lifesettlements #longtermcare #retirement

For many, November means it’s time to review their health insurance coverage. So now is the perfect time to ask: Could a high-deductible health plan make sense for you? HDHPs allow you to open and invest in a health savings account (HSA), the only ✨TRIPLE✨ tax-advantaged account. If you’re curious about how HSAs work, whether they’re a good option for you, and how to evaluate a high deductible health plan against the rest of your finances, we’ve got you covered. https://lnkd.in/gxm8EUkR

As a financial planner, Carolyn McClanahan makes sure her retired clients have health insurance, but she’s seen plenty of misfortune among retirees who lacked coverage. She shares some health coverage ideas. #financialplanning #retirement https://lnkd.in/er6DTjdT

Long-term care costs are rising nationwide, including in #RhodeIsland. When you need care the impact on your family and finances will be tremendous. Are you prepared? Use the resources available on LTC NEWS for research on aging, caregiving, health, retirement and long-term care. https://lnkd.in/eD6p5Zm