With the beginning of a new year, it seems everywhere you turn you hear something about self-improvement. There are plans for weight loss, exercise regimens, quitting smoking, going green and more. What about your finances? Even if you think your finances are in ‘good shape’, everyone could use a little ‘tune up’ to make sure everything is running smoothly. And it’s not as hard to do as you think. There are some very simple steps you can take that can make a world of difference.
Don’t forget life insurance. Most final expense bills range from $3,000 to over $15,000. Finding an inexpensive life insurance policy is not that tough. Even, if your dad is uninsurable, most life insurance agents can get what is called graded benefit life. This is a permanent policy that kicks in a full death benefit after two years or so, otherwise the death benefit is a return of premium plus interest.
My role was as a daughter and my father was my father. It was his role to care for me in all the ways I would now ask to care for him. But it was also something else. It was taking away his civil liberties and all that entails. It was asking the courts to appoint me in place of him. It was in fact asking the courts to negate his civil liberties and allow me to act on his behalf.
Check your insurance deductibles. By raising your deductibles on your home, car and health insurance, you might be able to save some serious dollars. And don’t be afraid to shop around for better rates. With the internet, getting insurance quotes is easier than ever.
Every week it was another doctor, if i wasn’t for her ankle, it was for her neurological and vision problems. The neurologist referred her to an ophthalmologist, the ophthalmologist referred her to another neurologist, and the neurologist referred her to an neuro-psychologist. She had several CT Scans, MRI’s, Pet Scans, blood work. The diagnosis that kept coming up was cognitive impairment due to stroke. Since my mom could never relay what any of her doctors were telling her, we eventually had to get a توكيل جاك, so we were able to speak to the doctors ourselves and get copies of her medical records.
A trust is also a good idea if you want to put conditions on when your heirs inherit – such as graduating from college or reaching a certain age. Or, if you want your children from a first marriage to get your estate after your surviving spouse dies.
There’s a nursing home, or retirement village, but costs can spiral and if you are not well-off then it can be a struggle. Fees are often not included in national health services. And arrangements care can take weeks, if not months.