Feast of Saint John, Apostle and Evangelist

Feast of Saint John, Apostle and EvangelistToday's readings from the Feast of St John, Apostle and Evangelist for whom I am devoted.Feast of Saint John, Apostle and Evangelist Lectionary: 697 Reading 1 1 Jn 1:1-4Beloved:What was from the beginning,what we have heard,what we have seen with our eyes,what we looked uponand touched with our handsconcerns the Word of life --for the life was made visible;we have seen it and testify to itand proclaim to you the eternal lifethat was with the Father and was made visible to us?what we have seen and heardwe proclaim now to you,so that you too ...
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Senior Health – Telemedicine is HERE.

American Well - Press ReleasesThe Villages, Fla. and Boston, Mass., June 22, 2012 — American Well™ today announced a partnership with USF Health at the University of South Florida to increase access to quality primary and specialty care to the residents of The Villages, the country’s largest Over-55 residential community in the United States. This marks the first time American Well’s industry-leading Online Care telehealth platform will be specifically targeted toward a senior population. Online Care is a web-based software platform that allows consumers and healthcare providers to have immediate, live and clinically meaningful online visits through video, secure text ...
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Tips for Difficult Family Conversations

Tips for Difficult Family ConversationsTips for Difficult Family ConversationsDecember 12, 2012 by Amy Goyer In the course of caring for our aging loved ones many family members must have difficult conversations around decisions and changes — whether they be about driving, living situations, health care, financial or care and support issues. Here are some tips for approaching these conversations:Talk early and often. The more you’ve discussed and planned for the future, the easier it will be when it is time to make decisions.Do your homework first. Observe your loved one’s situation, identify areas of concern, talk with other family members, ...
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Wishes and talking about end of life

The following information is from The Conversation Project, a blog maintained by the American Geriatrics Society and their Health in Aging health education Foundation.Consider the facts.There’s a big gap between what people say they want and what actually happens.60% of people say that making sure their family is not burdened by tough decisions is “extremely important”56% have not communicated their end-of-life wishesSource: Survey of Californians by the California HealthCare Foundation (2012) 70% of people say they prefer to die at home70% die in a hospital, nursing home, or long-term care facilitySource: Centers for Disease Control (2005) 80% of people say ...
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CPA long term care insurance Seniors

See Kimberly Lankford's article on "A New Strategy of Paying for Long Term Care" via Kiplinger and http://finance.yahoo.com/news/a-new-strategy-for-paying-for-long-term-care.htmlThe important points:Consider lower compound inflation increases (5% and lifetime benefit policies are very expensive or no longer economically attractive). But watch each states "Partnership" provisions to determine if you want to save benefits from Medicaid spend down.Shared benefits (between spouses) and linked benefits (life and long term care benefits, or annuity and long term care benefits).Calculate the estimate period and coverage to be shared. Set a budget for care (say $250,000 to $350,000) as part of your retirement planning, then determine how ...
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CPA DENVER Homecare vs Home Health Care ELDERLINK

HOMECARE vs HOME HEALTHCARE ELDERLINK http://elderlink.com/Karen Moorehead, the President of Elderlink Home Care, Inc (303.734.0641) provided the following article describing the basic difference between Homecare vs Home Health care. I appreciate her making the distinction in the following article:Twenty-five years ago, when Elderlink Home Care, Inc. first opened its Denver doors, the idea of seniors receiving care at home was still new. Back then, when loved ones were diagnosed with illness or recovering from surgery, they were usually placed in a long-term care facility by doctors or family members. Most people expected they would go to a nursing home or ...
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Managing Care Online Tools --TYZE, CAREZONE, SATURING, LOTSOFHELPING HANDSBy SUSAN SELIGER, NY TIMES MAY 23, 2012When Wendy Naumann’s father and three siblings received her mother’s diagnosis — a terminal brain tumor — they were overwhelmed. Just communicating within the family to keep everybody updated on her mother’s condition was exhausting, as they were spread out across the country.Add to that the job of coordinating the e-mails, texts and calls from her parents’ friends and church members who wanted to help but didn’t have a clue as to what was needed – it all seemed more trouble than it was worth ...
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Rachel Ensign-Planning for Parent’s Future

Here is a link to an article worth reading from Rachel Ensign (Wall Street Journal Sunday writer) :http://online.wsj.com/article/SB10001424052702304743704577379843587402720.html?KEYWORDS=rachel+louise+ensignRachel's article points out the mistake it is to wait for our own retirement before we discuss our own parents plans for older age. She quotes Gregory French , an attorney who is president elect of the National Academy of Elder Law Attorney's. Mr French states planning is a whole lot more expensive than it needs to be if we wait.-----------------------------------------------------------------------------------------------You can obtain a long term care planning organizer and tips for long term care insurance at the following URLhttp://protecting seniors.comClick on Toolbox ...
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Medicare Premiums and Deductibles 2012

Most of us know the Year 2012 Part B premium across the Board regardless of enrollment date is $99.90. Part B premiums pay for the cost of physicians' services, outpatient hospital services, certain home health services, durable medical equipment, and some other items (drugs administered by infusion, for example). Also remember the Part B premium must be paid in order to be a Medicare Advantage Plan participant. However, this premium amount is means tested and so the premium is increased by $40 if your individual provisional income (including tax exempt income) exceeds $85,000 or your joint return provisional income exceeds ...
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Medicare – Resources and Benefits for Caregivers

Ask Medicare - www.medicare.gov/caregivers/, this resource provides information, tools and materials to assist the caregiver and their loved ones in making informed healthcare decisions. The website provides a sign-up for an e newsletter emailed bi-monthly. The newsletter provides information on important dates such as open enrollment, changes in programs, and other available resources.Eldercare locator - www.eldercare.gov/ is a public service of the US Administration on Aging and is the first step to finding resources for older adults in any US community.Meals on Wheels - www.mowaa.org/Page.aspx?pid=183 This organization is the oldest and largest organization in the US representing those who provide ...
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Significant Presidential Election Year Question - how will the Executive branch of the Federal Government convince the Legislative branch to solve this inequation ------------------------------------------------------------------------------------------------------Money received for Medicare from employment during an individuals lifetime = $120,000 vs Money paid for Medicare benefits during an individuals lifetime = $350,000. When multiplied by 70,000,000 Boomers now reaching Medicare eligibility the country cannot sustain this INEQUATION. The unfunded difference is over $14,000,000,000,000 i.e. trillion dollars. The total US debt today is slightly above $15,000,000,000,000 i.e. trillion dollars. Sources - Urban Institute and the US Debt clock ...
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Medicare Education 101

Video - Disability Benefits from Social Security and Medicare Beginning in January 2012 I will use this blog to make the Medicare Training Program materials (in some cases they are interactive videos available) available. Many of the videos are on You Tube but I will selectively filter out the better, more informative ones. This first video discusses the benefits available to disabled individuals with a prior work experience (aka OASDI) credits and without work experience credits (SSI). Remember my website address is www.moranlong.com ...
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Medicare Education 101

Video - Disability Benefits from Social Security and Medicare Beginning in January 2012 I will use this blog to make the Medicare Training Program materials (in some cases they are interactive videos available) available. Many of the videos are on You Tube but I will selectively filter out the better, more informative ones. This first video discusses the benefits available to disabled individuals with a prior work experience (aka OASDI) credits and without work experience credits (SSI). Remember my website address is www.moranlong.com ...
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Medicare Education 101

Video - Disability Benefits from Social Security and Medicare Beginning in January 2012 I will use this blog to make the Medicare Training Program materials (in some cases they are interactive videos available) available. Many of the videos are on You Tube but I will selectively filter out the better, more informative ones. This first video discusses the benefits available to disabled individuals with a prior work experience (aka OASDI) credits and without work experience credits (SSI). Remember my website address is www.moranlong.com ...
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Medicare Education 101

Video - Disability Benefits from Social Security and Medicare Beginning in January 2012 I will use this blog to make the Medicare Training Program materials (in some cases they are interactive videos available) available. Many of the videos are on You Tube but I will selectively filter out the better, more informative ones. This first video discusses the benefits available to disabled individuals with a prior work experience (aka OASDI) credits and without work experience credits (SSI). Remember my website address is www.moranlong.com ...
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Medicare Education 101

Video - Disability Benefits from Social Security and Medicare Beginning in January 2012 I will use this blog to make the Medicare Training Program materials (in some cases they are interactive videos available) available. Many of the videos are on You Tube but I will selectively filter out the better, more informative ones. This first video discusses the benefits available to disabled individuals with a prior work experience (aka OASDI) credits and without work experience credits (SSI). Remember my website address is www.moranlong.com ...
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Medicare Education 101

Video - Disability Benefits from Social Security and Medicare Beginning in January 2012 I will use this blog to make the Medicare Training Program materials (in some cases they are interactive videos available) available. Many of the videos are on You Tube but I will selectively filter out the better, more informative ones. This first video discusses the benefits available to disabled individuals with a prior work experience (aka OASDI) credits and without work experience credits (SSI). Remember my website address is www.moranlong.com ...
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Taxes & Your Money-Caregiver tax deductions

Source for this case summary - The AICPA Journal of AccountancyThe Tax Court held that payments made to an elderly woman’s caregivers for personal care that she required due to her diminished capacity qualified as long-term-care services and were therefore deductible under IRC § 213(d)(1)(C) (Estate of Baral, 137 TC no. 1 (2011)).Lillian Baral was diagnosed by her physician as suffering from dementia, and the physician determined that she required 24-hour assistance and supervision for medical reasons. Her brother (who handled Baral’s financial affairs under a power of attorney) hired two individuals to provide that care and paid them $49,580 ...
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Healthy Aging Today – Medicare Basics, Baby Boomers

Dennis Stretar (dennis@healthyagingtoday.com, 303.619.7562) in collaboraton with Karin Hall at the SeniorsResourceGuide.com produced videos explaining the basics of the Medicare program. The nine part series was specifically designed for the Baby Boomer Generation who began aging into Medicare this past January, 2011. There is a clear need for accurate information about Medicare options. Click on www.MedicareBasics2012.com to see the nine part videos. In length, the nine parts total approximately 40 minutes. Given people's time constraints the videos are easily viewed in 3 to 5 minute segments. The Medicare Basics video series was reviewed for accuracy and critiqued by Gloria Baca, ...
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CPA Caregiver-Your Money Matters & Grandparents Matter

Metlife Mature Markets recently issued its report onAmerican GrandparentsNew Insights for a New Generation of Grandparents by Peter Francese Executive Highlights Today, the Norman Rockwell image persists of grandparents as aged, whitehaired grandmothers and grandfathers — the ones for whom National Grandparents Day was inaugurated in 1978. The reality is quite something else. Back in 1980, when that image was closer to reality, there were fewer than 40million mostly quite elderly grandparents in a young nation where half of thepopulation was under 30 years old.Based on data from the U.S. Census Bureau and the Bureau of Labor Statistics,by 2010, we ...
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