The Most Important Change In Medicaid Rules For Financial Advisors In A Decade.
Imagine telling a client that you can help them get the care they need all while saving 100% of their IRA assets in the process.
Long-term Care Medicaid is the only government program available to pay for nursing home costs.
Long-term care (LTC) goes beyond medical care to include
all the assistance you could need if you ever have a chronic
illness or disability that leaves you unable to care for yourself
for an extended period of time (longer than 90 days). While
older people generally require the most long-term care services,
40% of long-term care claims are paid to someone under the
age of 64.* A young or middle aged person who has suffered a
debilitating illness or accident may also require care.
The Most Important Change In Medicaid Rules For Financial Advisors In A Decade.
Imagine telling a client that you can help them get the care they need all while saving 100% of their IRA assets in the process.
Long-term Care Medicaid is the only government program available to pay for nursing home costs.
Long-term care (LTC) goes beyond medical care to include
all the assistance you could need if you ever have a chronic
illness or disability that leaves you unable to care for yourself
for an extended period of time (longer than 90 days). While
older people generally require the most long-term care services,
40% of long-term care claims are paid to someone under the
age of 64.* A young or middle aged person who has suffered a
debilitating illness or accident may also require care.
Long term care expenses are one of the largest threats to retirment security. 70% of people over age 65 will need some form of LTC. This workshop outlines the potential costs, what expenses are covered by health insurance, medicare and medicaid.
Except if that individual has a tough intensity of lawyer and medicinal orders as of now set up under the watchful eye of the mishap, the court will name a guardian to settle on both budgetary and non-money related choices for the lethargic individual.
Critical Illness Sales Presentation created by Catherine Chaney BowmanCatherine Chaney Bowman
Here's a compelling sales presentation for the less well known but essential insurance product that provides protection in the event of a critical illness
This pamphlet which is based on Wisconsin law is issued to inform and not to advise. No person should ever apply or interpret any law without the aid of a trained expert who knows the facts, because the facts may change the application of the law.
If you get sick – like, really sick – how will you take care of yourself financially? If you aren’t able to work and need money to pay for medical expenses, care, and travel, where will it come from? To prepare for such an event, we recommend the purchase of a critical illness insurance policy.
The cost of critical illness insurance depends on several risk factors. In this presentation, we discuss these factors in detail.
Long term care expenses are one of the largest threats to retirment security. 70% of people over age 65 will need some form of LTC. This workshop outlines the potential costs, what expenses are covered by health insurance, medicare and medicaid.
Except if that individual has a tough intensity of lawyer and medicinal orders as of now set up under the watchful eye of the mishap, the court will name a guardian to settle on both budgetary and non-money related choices for the lethargic individual.
Critical Illness Sales Presentation created by Catherine Chaney BowmanCatherine Chaney Bowman
Here's a compelling sales presentation for the less well known but essential insurance product that provides protection in the event of a critical illness
This pamphlet which is based on Wisconsin law is issued to inform and not to advise. No person should ever apply or interpret any law without the aid of a trained expert who knows the facts, because the facts may change the application of the law.
If you get sick – like, really sick – how will you take care of yourself financially? If you aren’t able to work and need money to pay for medical expenses, care, and travel, where will it come from? To prepare for such an event, we recommend the purchase of a critical illness insurance policy.
The cost of critical illness insurance depends on several risk factors. In this presentation, we discuss these factors in detail.
at The Painted Sky, we are pioneers and leaders in Art-Based Training Initiatives that are helping companies galvanise their People Development initiatives across 10 countries. For over a hundred corporate clients, with over 300 Art-Based workshops, for 1500+ participants, using Painting, Theatre, Cinema, LSP, Model-building and Music.
Our clients include companies Accenture, PwC, EY, Capgemini, TCS, Intel, Honeywell, Lenovo, SAP, Citrix, Mercedes-Benz R&D, Daimler, Volvo, HP, AT&T, Yahoo, Texas Instruments, Concur, Google, VMWare, Intuit, Samsung, Yodlee, Deutsch Bank, MindTree, Fidelity, Thomson Reuters, GM, Kraft Foods, Allergan Inc., and others.
We also run other non-art leadership development programmes and blended learning projects to help develop key competencies in leaders and managers around the world. You can find more about us at www.thepaintedsky.com.
We are deeply invested in the process of Leadership Development through Executive Coaching and have on board a panel of ICF certified coaches.
Write to anirban@thepaintedsky.com for more details.
What\'s Your Plan? Protecting Your Most Important Asset - Your FamilyPeter Marengo
A Powerpoint presentation that I typically use for consumers to show them the effects of what living a long life and needing long-term care may have on their family and retirement portfolio.
Hidden Risks and Mistakes to Avoid in Estate and Long-Term Care PlanningMelinda Merk
Co-presented with Buckley Kuhn Fricker on 11/4/17. Discusses the importance of pre-planning vs. crisis planning, and focuses on 3 key goals of estate and long-term care planning, which lead to Peace Of Mind, Protecting and Preserving Wealth, and Family Harmony: 1) maintaining control and protecting assets during life, including incapacity; 2) efficient and orderly wealth transfer at death; and 3) protecting beneficiaries from others and themselves.
With the cost of Long Term Care Insurance continuing to rise, advisors look for new ways to deliver meaningful solutions to address the needs of the clients at death… and during their lives. We’ll take a closer look at what’s going on in the LTC Marketplace, and what solutions are appropriate to meet the needs of your high net worth clients.
In a seminar titled, “Get Your Ducks In A Row,” Fraser Trebilcock attorney Marlaine C. Teahan shared her legal experience with families on topics that included: differences between wills and trusts and how to choose between them, the best planning ideas for minor and special needs children, and more.
In a seminar titled, “Get Your Ducks In A Row,” Fraser Trebilcock attorney Marlaine C. Teahan shared her legal experience with families on topics that included: differences between wills and trusts and how to choose between them, the best planning ideas for minor and special needs children, and more.
Stephen Cagnassola expertise in advising retirees and those about to retire on how to protect their principal and ensure their money lasts. His clients come to him because Stephen can help him to reduce their taxes by as much as 50%, prevent taxation on social security income, avoid and significantly reduce estate taxes, and protect their life savings from stock market risk.
The Sandwich Generation is costing U.S. Businesses $17.1 Billion to $33.6 Billion per year in productivity for caregivers who take time from their work responsibilities to provide care
Nearly 80 percent of the deposits in local savings banks are owned by those over age 55.
By partnering with experienced eldercare professionals, a bank can build closer relationships with these maturing multi-generational families (aging baby boomers and seniors).
Banks who pay attention to these critical customer segments will not only preserve their customer base but will see a substantial increase in attractive new depositors resulting in improved profitability.
aking care of your aging parents is something you hope you'll never need to do. It means helping them prepare for the future, which could be frustrating, physically, emotionally and financially. Should the need arise, there are two things you can be certain of: Your parents need you, and you need help.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
1. Texas Longterm Care Academy
A Lou Talk - "Many ways to pay for LTC"
A Practical Realist and Advocate
Caretaker in Chief and Consultant
2. The Purpose of LouTalks
To Help you early enough to:
Seek to understand Eldercare Quicksand risk
Discuss the long term future of your Family
Explore actions to help preserve Family Money
Seek Comfort and Dignity as you age
3.
4. The Eldercare Predicament is a Reality Show
No One Wants to Watch or Face
Complicated - Many moving parts and details
Troubling - Rules and regulations hard to navigate
Expensive - Costs can ruin the Future of your Family
Now
What ?
Parents Daughter
5.
6.
7. Home Care- Assisted Living - Nursing Home
Hospitals and Doctors
What and Where of Eldercare
They are about Trying to Cure and Stabilize
with "Medically Necessary" Treatment
Medicare Pays for it
This is Care without "Medical Necessity"
It is Custodial Care often progressing to
greater need for assistance with Daily Living needs
You or Welfare Pay for it unless you plan
Financial Risk of CARE
A Potential Disaster for your Family
8. What are the RISKS and Reality
People over 65 will have:
Arthritis 50 % -Heart Disease 30 %
Top 5 reasons for Care :
Stroke, Dementias, Arthritis, Injury, Vascular
How long will care be needed ?
Average is 2.5 years - 58% need longer
42% need 1 year or less (each time).
Progressive Alzheimers average is 6 years
Why are stats confused?
9. Who Pays ?
Not Medicare- Not Disability You Pay unless you Plan
Meals on wheels, rides
Spend down, self fund
State, Federal program
15. The Reality of Paying for Care
at Crisis Time
Your Resources, Family and Friends
CDs - Penalty for unscheduled withdrawal
Reverse Mortgage - Expensive, spouse to live there
Bridge Loan- 12% until your house sells... or not
Sell Your House - Millennials don't want or afford it
Life Insurance - use cash value or sell it at a loss
Reality ... Crisis means - Desperate
The big $$ losers will be your Heirs
Investment Accounts - Down market selling
16. Welfare Medicaid - The Five year Reality
Plan or be forced to Qualify at Crisis time
Different ways for Spouse or No Spouse
Spouse can live in house and retain $115K
plus an Annuity (SPIA)to provide monthly expenses.
If No Spouse, forced to spend down assets to Qualify
Your savings for Retirement and other Assets
will have to be used first before you can Qualify
You need to think about Protection from spending
not Growth of assets
Without a Plan, this snake will bite you bad !
? Where Assit, NH
17. The Reality of Paying for Care
Traditional LTC and Short Term Care
LTC - health exam, $2000 per year at age 60,
will spend $50K by age 85
$5000 benefit per month for 3 years, 90 day wait
STC- health questions, $1000 per year at age 60
Cash for up to 1 year for nurse visits
Texas LTC Partnership - same as traditional with
protection from Medicaid spend down (8 Companies in TX)
The Thud Factor - after paying for years you "thud" the floor
and die with a heart attack- Your paid in money is gone !
Reality
18. Asset Based Longterm Care Annuity
and Life Ins Strategies
Reposition some or all of your IRA or other assets
Use IRS1035 asset transfer rule to save taxes
when spending for LTC expenses
Remember ... these are guaranteed contracts
that do what they say they will
Several "A" rated companies offer these plans
Many offer 3 to 5 times multipliers
to provide more LTC coverage
19.
20. The Time Will Never Come
Until it Does
Consider :
Your ability to understand complex matters
will decline rapidly after age 65
Once diagnosed with a chronic condition - coverage
is hard to find and costs soar
When will the 5 year Medicaid Look Back apply to you ?
Have the conversation with Family and decide when
and with whom to shield your assets
Either protect your money with a Plan or
shield it to qualify for Medicaid
21. This is what it will feel like
Without a Planning Path
22. Why is that Lady pulling her hair out ?
C. A. R. E.Can't Always Rely on Expectations
When shopping for care facilities
consult dads.com the State authority
on types and ratings for care.
Payingforseniorcare.com
Avoid National TV ad sites !!
23. Texas Longterm care Academy
Plans and Possibilities
Twittter and Facebook are available now
web site is being developed
Use txlongtermcare for access
Non-profit status and advocacy is planned
No Charge Consultation to point you right
Thanks,
Lou