Remember the Top TV Show in 1977?

In 1977 you had ABC, NBC, and CBS. Remember the top TV show in 1977?

If you said “All In The Family” you were close, but it was only number 5 in ’77 after years of being number 1.

“60 Minutes”, always a good guess but it was number 4.

“Three’s Company” was number 3 (how appropriate),

Fonzie and the gang were number 2 with “Happy Days”.

The top show in ’77 was “Laverne and Shirley”.

If you remember watching these shows then you should be planning now for your future retirement and affordable Long Term Care Insurance should be part of that plan. You need to protect your 401k, IRA’s and other assets as well making sure you never become a burden on your loved ones. So don’t wait … get FREE quotes from all the top companies:

Laverne and Shirley

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‪#‎LTC‬ ‪#‎boomers‬ ‪#‎longtermcare‬ ‪#‎retirement‬ ‪#‎401k‬ ‪#‎IRA‬ ‪#‎TV

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Marrying after 50? Get LTC Insurance & Consider Financial Issues

The Beatles sang, “All You Need Is Love” but if you are considering love & marriage after age 50 you need to consider more than just love. Affordable Long Term Care Insurance needs to be one of a number of issues to review before you say “I do”.

Read the article and then learn how Long Term Care Insurance needs to be a gift you give to your spouse and your families.
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All You Need Is Love
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LTC Partnership Coming Soon to IL, MI and NM?

I was honored to be on of the major speakers at the American Association for Long Term Care Insurance conference on October 27, 2015 at the Hyatt at Dulles ( just outside DC).

Also announced at the conference that the states of Michigan, Illinois and New Mexico are closer to adopting the federal/state partnership program as authorized by the federal Deficit Reduction Act (DRA). This provides dollar-for-dollar asset protection if you have a qualified partnership ‪#‎LTC‬ policy. Learn how affordable Long Term Care Insurance can be and make it part of your retirement plan. Go to:

‪#‎longtermcare‬ ‪#‎partnership‬ ‪#‎boomers‬ ‪#‎retirement‬ ‪#‎healthcare

Matt at Hyatt DC

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Losing Sleep Over Sleep?

Once you reach age 45 and approach your ‘fragile 50’s’ health issues and medications can cause problems with sleep. Sleep issues can also add to health issues. Paying attention to health, sleep and retirement and make you sleep better.

This article talks about health issues and medications which can impact sleep. In addition, it makes the following suggestions:

1. See your doctor on a regular basis.
2. Contribute to your employer’s 401 or 403b plan.
3. If you have an HSA (health savings account) contribute the maximum allowed.
4. Pay attention to the investments in your retirement accounts and make sure they are balanced based on your age.
5. Obtain Long Term Care Insurance in your 40’s or 50’s when you are healthy and premiums are very affordable.
6. Sign a medical and financial power-of-attorney and let your family know of your wishes.

Read the full article here:

Learn how affordable ‪#‎longtermcare‬ insurance can help you sleep better and protect your assets:

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#sleep #health #healthcare #aging #longtermcare #retirement

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Matt Damon says to ‘do the math’ in the movie “The Martian'”, so do the math!

In the movie ‘The Martian’ Mark Watney (Matt Damon) says to ‘do the math’ when dealing with a problem. In dealing with the issue of LTC planning do as Matt Damon suggests and ‘do the math’. Affordable #LTC insurance can address the physical, emotional and financial burdens Long Term Health Care can have on loved ones. Make Long Term Care Insurance part of your retirement plan.

Some people think Long Term Care Insurance is too expensive. If you ‘do the math’ you will see it is VERY affordable, especially if you plan prior to retirement when you are younger and more healthy.

Most people I speak with are now in their 40’s and 50’s. No matter what your age generally we can find a very affordable plan to address the issue of Long Term Health Care.

Some people think it won’t happen to them. Again, ‘do the math’. The US Department of Health and Human Services says if you reach the age of 65 you will have a 70% chance on requiring some type of Long Term Health Care service before you pass.

Some people think they can ‘self insure’. Again, do the math. You can never time when you will need help with activities of daily living, supervision due to memory issues or other skilled or custodial Long Term Health Care service. If the market is down you might have to ‘sell’ at a loss. Your ‘loss’ still maybe a gain … and Uncle Sam will want part of your gain as well. In addition to using your own money to still are creating a burden of your loved ones. The math suggests affordable Long Term Care Insurance is a much more logical way to plan for this risk. Protect your 401k, IRA’s and other assets while at the same time not being a burden on those you love.

So get help ‘doing the math’ …. Learn now about how Long Term Care Insurance may help you and your family.

Get quotes and learn more now:

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#Martian   #LTC   #boomers   #retirement   #mattdamon

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Lack of LTC Planning Cause of Career Crisis for Caregivers

As more people require Long Term Health Care more family members have become caregivers. A new survey suggests the impact on those loved ones is not limited to emotional and physical burdens. Affordable LTC Insurance can be helpful. Learn how you can make LTC insurance part of your retirement plan to protect your family and assets:

‪#‎LTC‬ ‪#‎longtermcare‬ ‪#‎retirement‬ ‪#‎caregivers‬ ‪#‎boomers

Genworth Financial, one of the nation’s leading providers of Long Term Care Insurance, released results of a survey today (October 1, 2015) citing that the caregivers providing care for adult parents are burdened more than you would expect.

Providing care for loved ones has taken a toll on the careers of half of caregivers surveyed in Genworth’s latest Beyond Dollars study, with 11 percent actually losing their jobs and another 10 percent having to change careers. That’s in addition to the other financial, physical and emotional impacts of caregiving examined in the survey.

Genworth released the survey findings today during its annual Long Term Care Symposium on Capitol Hill, which brought together many of the nation’s leading caregiver advocates and lawmakers to highlight the challenges of caregiving and explore ways to make that job easier on families.

Caregiving responsibilities may include helping with activities such as bathing, dressing and household chores.

Among caregivers surveyed in the study, 51 percent felt that caregiving responsibilities negatively impacted their ability to perform their jobs. That’s not surprising considering these findings:

•77% reported missing some work during the past year, up 19% from when caregivers were surveyed by Genworth in 2010
•Caregivers missed an average of 7 hours of work per week
•19% missed 10 or more hours of work per week

As a result of their caregiving responsibilities:
•11% lost their jobs
•10% had to change careers and
•12% had to change positions

Absences, reduced hours and chronic tardiness also translated into a significant reduction in caregivers’ paychecks. Approximately one-third of caregivers provided 30 hours or more of care a week. And, on average, caregivers reported having lost one-third of their income.

“Although caregiving brings many rewards, it can also have very real negative consequences for families who haven’t planned ahead for the possibility of their loved ones needing long term care,” said Suly Salazar-Layton, director of Thought Leadership at Genworth’s U.S. Life Insurance Division. “In fact, 50 percent of respondents said if they could do anything differently, it would be to do a better job of planning. Our hope is that this study will encourage families to sit down and have that talk well before caregiving becomes a crisis.”

The Denial Factor –

The study also highlights several factors contributing to respondents’ reluctance to plan early. Two of the biggest factors cited were “not wanting to admit care was needed” and “not wanting to talk about the issue” (cited by 30 percent and 25 percent, respectively). Overall, caregivers who planned earlier for long term care arrangements saved money. For instance, caregivers providing care to recipients who had long term care insurance were able to secure a reimbursement of 23 percent of their qualified out-of-pocket expenses.

“It’s not easy to admit when there is an issue, especially when it comes to matters of declining health, and it’s not always easy broaching the topic of long term care with the people you love,” said Salazar-Layton. “But meeting the challenge with action – speaking with your loved ones and meeting with a financial professional – does make things easier in the long run for caregivers and care recipients.”

Beyond Dollars found that almost half of care recipients (48 percent) had considered the possibility of a need for long term care, but only one-quarter of this group (26 percent) had actually made a plan to cover their potential needs. Even planners felt they could have been better prepared: 63 percent of this group believed they should have taken steps sooner, which would have led to reduced stress.

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DWTS Celeb Suffers Stroke at Age 37 – Recovery Expected

When a reality star suffered a TIA at age 37 it reminds all of us to pay attention to our health and retirement planning as it relates to the cost of extended Long Term Health Care. Stroke can happen at all ages. This article talks about a TV show star … but it could be about us. Planning ahead of an health issue should be part of our retirement plan.

Top rated ABC-TV program “Dancing with the Stars” has made news for something other than dancing. Reality star Kim Zolciak was eliminated from the competition after the 37 year-old suffered a mini-stroke known medically as a transient ischemic attack (TIA). The website TMZ reported a blood clot caused by a previously unknown heart issue caused the star to lose feeling on one side a limited her ability to speak for a short time.

Zolciak, interviewed live on the show via Skype (September 28, 2015), said her doctors did not allow her to fly from her home in Atlanta to Los Angeles for the show. By rules of the show, she was eliminated from the program.

While many people think strokes and TIA’s happen to just older adults, it can and does happen at all ages. A day before he turned 27, “Malcolm in the Middle” star Frankie Muniz also suffered a TIA in December of 2012.

“Stroke has been noted to having an increased frequency in young adults without a clear cause,” Dr. Richard B. Libman, vice chair of neurology at the Cushing Neuroscience Institute in Manhasset, N.Y., told by email.

“Historically stroke has been thought to as a disease of the elderly with increased risk associated with those with preexistent atherosclerotic and heart disease.”

A stroke, or “brain attack,” happens when the blood supply to the brain is stopped or when a blood vessel in the brain bursts and fills the spaces around other brain cells with blood. Brain cells die when they are damaged by bleeding in or around the brain or when they do not receive oxygen.

What Zolciak and Muniz had — a transient ischemic attack (TIA) or mini-stroke — begins like a regular stroke, but then any noticeable symptoms or deficits disappear within an hour. Signs you are having a stroke can include headaches, paralysis or numbness of the face, arm or leg and trouble with walking, speaking, understanding people or seeing in one or both eyes, the Mayo Clinic reports.

The symptoms of a TIA and regular stroke are the same. Someone having a TIA or stroke might experience one or more of the following sudden symptoms:

• Numbness or weakness of the face, arm or leg, especially on one side of the body.
• Confusion, trouble speaking or understanding.
• Trouble seeing in one or both eyes.
• Trouble walking, dizziness, loss of balance or coordination.

If you or someone else has any of these symptoms, even for a short time, call 911 or go to the hospital immediately. Strokes can cause the need for extended Long Term Health Care, dementia and death.

The risk factors are the same as a regular stroke and include high blood pressure, high cholesterol, diabetes, smoking, obesity and a sedentary lifestyle. Read more about TIA risk factors at

Adults who survive a stroke at a younger age have an alarmingly shortened life expectancy rate compared to the general population. A new study suggests that people who experience a stroke before they reach the age of 50 are more likely to pass away 20 years sooner than non-stroke adults.

Research shows that 10 percent of all stroke patients are under the age of 50 – but little data is available to shed any light on their life-long prognoses. However, Dutch researchers have found that the long-term mortality rate of adults who survived a stroke between the ages of 18 and 50 is significantly reduced.

According to a study published in the Journal of the American Medical Association, 20 percent of under-50 stroke survivors passed away within a decade of their initial stroke. Researchers also found that men were more likely to die within 20 years of their initial stroke than young women.

Further, the study also says the risk of death after 20 years of a stroke increased by about 25 percent for TIA (aka mini-stroke) survivors, 27 percent for patients whose strokes were caused by a blood clot and about 14 percent for hemorrhagic stroke.

The risk of stroke and TIA’s impacts retirement planning as strokes are a leading reason for Long Term Health Care. Much of that care is not covered by health insurance or Medicare since much of it is considered ‘custodial’ in nature. Long Term Care Insurance will pay for these costs but a person must obtain coverage when they are in general good health. History of stroke could make a person uninsurable.

According to the American Association for Long Term Care Insurance (AALTCI – nearly 1 in 5 people are declined for Long Term Care Insurance Coverage and the percentage is higher if a person is older. This is a major reason why many people today who purchase coverage are in their 40’s and 50’s as part of retirement planning.

“A significant share of the baby boomers are obese or disabled,” explains Jesse Slome, executive director of the AALTCI which is a consumer education and advocacy group.

Meanwhile Zolciak will concentrate on her health and not on the TV show. Host Tom Bergeron explained that according to the ABC show’s rules, since she couldn’t dance because of medical reasons, she had to be eliminated. “The rules of the competition dictate that @Kimzolciak must withdraw, but her health is the most important thing. #DWTS,” the show tweeted.

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#DWTS #stroke #TIA #longtermcare #LTC #KimZolciak

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