Resource Archive
We have created an archive to provide access to
relevant, project resources and deliverables.
How Do You Maximize Your Senior Related Business With An Elder Law Attorney?
As you are establishing yourself as an expert in the Senior world, partnering with an Elder Law attorney to cross market, to share networking opportunities and to work together in community outreach to help educate your clients and potential clients on the many options available to them that most simply do not know.
We live in a world where the practice of law, and so many other things has become so highly specialized, that it is wise to seek counsel from those who stay up on all the changes that happen in that space every year and more. So when you are building your support group for your clients, be sure to have at least one Elder Law Attorney on your team, if not more.
See the full video here: https://youtu.be/phpXhTHm4pA Jeffery Stinson Stinson Law Firm, LLC Elder and Special Needs Law Firm
How Do You Choose An Elder Law Attorney?
Not all attorneys are experts in the field of elder law and the special issues that arise for seniors and their families. Any attorney can call themselves an elder law attorney, you want to check further than just a label on the card.
Do a little research, do they have the credentials? Are they active in elder law associations, are they Elder Law Specialists? Are they CELA “Certified Elder Law Attorney?” This is an important time for you, you loved ones as you navigate the specific issues in aging, be sure to do your homework.
See the full video here: https://youtu.be/phpXhTHm4pA Jeffery Stinson Stinson Law Firm, LLC Elder and Special Needs Law Firm
Top Five Things You Need To Know About Medicaid, Medicaid Waiver and VA Aid and Attendance.
Some of the greatest fears most seniors and their families share is how in the world can they pay for the costs that come with care for the aging. If you have looked at the costs for in home care, assisted living communities, memory care communities or skilled living, it is terrifying. The good news is that there is help available.
The myths about that assistance can make those fears even worse. This is why you should seek out a professional in Elder Law or Medicaid, Medicaid Waiver and VA to make sure they guide you through the process to get the benefits you deserve. Most people believe you must be financially destitute to qualify, that is simply not true. Medicaid has national guidelines that you cannot have more than 2,000.00 and cannot receive more than 2,300.00 a month, but each state allows ways to adjust your assets and income to qualify without being destitute and preserve much of your assets. Watch Jeff go through great examples how to do just that.
See the full video here: https://youtu.be/phpXhTHm4pA Jeffery Stinson Stinson Law Firm, LLC Elder and Special Needs Law Firm
What Does An Elder Law Attorney Do For You?
Is there a difference between an Elder Law Attorney and an Estate Planning Attorney? What does an Elder Law Attorney do for you and your family?
In today’s specialized services community those whose practices focus on a narrow area of the law, are far better equipped to stay up on every change to the rules that seem to pop up like mushrooms after a rain.
Many of the things you will use an elder law attorney to help you with, you only get one chance to do correctly and if someone who doesn’t practice in this area every day could miss and cost you significantly.
See the full video here: https://youtu.be/phpXhTHm4pA Jeffery Stinson Stinson Law Firm, LLC Elder and Special Needs Law Firm
When Should You Start Engaging With An Elder Law Attorney?
If you are not elderly, why should you engage a conversation with an elder law attorney? If I want to be proactive and plan to protect myself and my family when should I first meet with one and start a conversation about what steps need to be taken? What do I need to do and when to not get caught down the road with many of the best options no longer available and having to settle for what is left?
See the full video here: https://youtu.be/phpXhTHm4pA Jeffery Stinson Stinson Law Firm, LLC Elder and Special Needs Law Firm
Common Mistakes People Make Impacting Their Social Security Benefits.
One of the common mistakes made is failing to pay into Social Security to qualify for benefits down the road.
Something that happens with people who are self-employed, who have tried to reduce their taxes each year, and those who may have worked for cash without withholding, or maybe worked as a caregiver for a family member being paid cash and not paying into Social Security system, that can cost you big in retirement.
See the full video here: https://youtu.be/xDbYdRU-F8Q Rebecca Geyer Rebecca W. Geyer & Associates PC
Social Security Benefits Common Mistake # 2, Failure To Understand Full Retirement Age.
When you choose to retire and claim Social Security will determine how much you will be paid, not only then but forever. This is something you will want to plan for both you and your spouse if married. What is right for one of you, may not be right for your spouse. There are some very easy guides to help you find a good answer to those questions.
See the full video here: https://youtu.be/xDbYdRU-F8Q Rebecca Geyer Rebecca W. Geyer & Associates PC
Social Security Benefits Common Mistake # 3, Not Understanding Options for Taking Benefits.
Did you know that you can draw on your own earnings records, your spouses, even your ex-spouse is possible? There are things that will determine if you can and how much to determine what is best for you. This video will walk you through each of those and help you where to look to take advantage of what will pay you the most.
Did you know that if you can pull benefits off someone else’s records, it doesn’t impact their ability to get their own benefits?
See the full video here: https://youtu.be/xDbYdRU-F8Q Rebecca Geyer Rebecca W. Geyer & Associates PC
Social Security Benefits Common Mistake # 4, Not Understanding How Working Can Impact Your Benefits.
How will it cost you in Social Security benefits if you continue to work after claiming Social Security? It depends upon your age and your earnings.
Make sure you watch this video to learn where those limits are and what it will do to your benefits.
At different ages, related to Social Security retirement ages, there can be substantial costs to your benefits but at full retirement age there are no penalties.
See the full video here: https://youtu.be/xDbYdRU-F8Q Rebecca Geyer Rebecca W. Geyer & Associates PC
Social Security Benefits Common Mistake # 5, Believing You Can File and Suspend.
There was a time you could do File and Suspend where you could file for your spouse’s benefit then apply for their own at full retirement to maximize your benefits. That has a specific age and birth date that allows that today, If you are younger than that it is no longer available.
See the full video here: https://youtu.be/xDbYdRU-F8Q Rebecca Geyer Rebecca W. Geyer & Associates PC
Social Security Benefits Common Mistakes # 6, Failure to Understand Survivors Benefits.
What is the widow or widower going to receive after losing their spouse and their benefits? How will it impact the surviving spouse? This is a common mistake that people make when choosing to start taking benefits, too often the higher wage earner forgets to consider their spouse’s future benefits.
This video will walk you through how this works and help guide you what to consider when making these choices.
See the full video here: https://youtu.be/xDbYdRU-F8Q Rebecca Geyer Rebecca W. Geyer & Associates PC
Social Security Benefits Common Mistakes # 7, Understanding Other Potential Social Security Recipients.
Who in your family, and extended family could qualify for Social Security benefits, how is it determined, and how does it work? There are opportunities for your spouse, children, step-children, grandchildren and disabled children to receive benefits. Learn how to find out who does, how to qualify, and what to do. How does it impact any qualified dependents benefits?
See the full video here: https://youtu.be/xDbYdRU-F8Q Rebecca Geyer Rebecca W. Geyer & Associates PC
Social Security Benefits Common Mistakes # 8, Not Understanding What You Need To Approve To Apply For Disability Benefits.
Is it true that everyone who applies for Social Security Disability Benefits get turned denied the first time without going through appeal? Why do most believe that? What do you need to do to qualify?
To qualify for disability benefits for you, a child or family member the success of your claim will be determined by knowing how to properly apply.
Be sure that you are doing your research before you apply, this video will give you a map to start your process.
See the full video here: https://youtu.be/xDbYdRU-F8Q Rebecca Geyer Rebecca W. Geyer & Associates PC
Myths of Reverse Mortgages
One of the most misunderstood financial products in the marketplace today is what is called a HECM or HECM4P, or commonly known as a Reverse Mortgage or a Reverse Mortgage For Purchase. Unfortunately, even most REALTORS and Mortgage lenders are not well versed in Reverse mortgages.
This is a shame because it is a wonderful option for many people who are 62 years old and older. It is a way to use equity that is not normally liquid to use to help support your lifestyle, care needs, or just taking pressure off your monthly budget. There are many myths and that you can lose your house which is simply not true, this video will help you learn the myths that scare too many people away from what the best thing for them could be.
See the full video here: https://youtu.be/oaY_Fc3zb68 Tom Hedderich Hallmark Home Mortgage
What Is A Reverse Mortgage?
Most people today have the bulk of their personal assets from the equity in their homes, but that equity is lost to them unless they sell that house. If you sell, then you have a new expense in either another home or rent. With a reverse mortgage you can access that asset to use however you may need it. Do you need help with monthly expenses? Do you need help paying for a senior care service? Maybe you have a mortgage You can use that to live your life as you choose while never having to ever leave your home.
See the full video here: https://youtu.be/oaY_Fc3zb68 Tom Hedderich Hallmark Home Mortgage
What Are the Qualifications for a Reverse Mortgage?
Can anyone use a reverse mortgage? Should they? As in anything, one size doesn’t fit all, the question is it right for you? How can you know for sure?
It would make a lot of sense for anyone who is 62 years old and older to at least explore a reverse mortgage to see how they would fit with your financial plans and needs. It is far better to know for sure that it is not a good deal for you than to find out years later it could have been life changing for you.
See the full video here: https://youtu.be/oaY_Fc3zb68 Tom Hedderich Hallmark Home Mortgage
What Are the Benefits of a Reverse Mortgage?
Would eliminating your mortgage payment make your retirement income go further? Would it help your budget to have an additional source of income? What would happen for you if you used a reverse mortgage to create three buckets of money for you even before retirement, where the equity of your home will continue to increase, the reverse mortgage rather than using the money now just continues to grow as an enlarging line of credit and the money you were paying in a mortgage could be invested in building your retirement portfolio?
See the full video here: https://youtu.be/oaY_Fc3zb68 Tom Hedderich Hallmark Home Mortgage
What are the Features of a Reverse Mortgage?
There are differences between what you can do with different types of reverse mortgages, you need to work with a professional to help you determine what will best serve you and your needs. How much can you borrow? How is that determined? How does your age impact it? Can I get my taxes and insurance escrowed? Could I use my line of credit for such things, how else could I use that?
What is a “Credit Line Growth Rate” and how does that help me keep pace with inflation? How flexible can my reverse mortgage be?
What happens if my spouse is not 62, can we still do a reverse and protect them as well?
See the full video here: https://youtu.be/oaY_Fc3zb68 Tom Hedderich Hallmark Home Mortgage
What Are the Uses of a Reverse Mortgage?
What if you want to retire and you face a bunch of payments that will be a burden on your retirement income, how can a reverse eliminate those? Would a financial safety net sound good to you as an emergency fund to help with unexpected expenses, new furnace, roof, other costs of living? Many are concerned about doing a reverse because they want to have the money in equity to help grandkids pay for college, did you know that you can do that with a reverse and keep your house without making payments?
See the full video here: https://youtu.be/oaY_Fc3zb68 Tom Hedderich Hallmark Home Mortgage
Understanding Retirement Using a Reverse Mortgage
Once you go to a fixed income, you have built assets, how can you use those assets to benefit your retirement? What if you wanted to use a reverse mortgage on your primary home to use the proceeds to buy a vacation home? As long as you keep the home with the reverse mortgage as your primary residence you can do that. You can use a reverse mortgage to increase your income and reduce your debts. What could it do for you?
See the full video here: https://youtu.be/oaY_Fc3zb68 Tom Hedderich Hallmark Home Mortgage
How Do I Buy a New Home with a Reverse Mortgage?
This is the most underutilized opportunities with reverse mortgages, far too people know this is something they can do, most REALTORS don’t know or understand this is available or how it works. You can use a reverse mortgage to buy a home that better fits your needs. When you sell the home that you might have raised your kids with all the bedrooms upstairs maybe you want a brand new one story, and cannot believe how much they cost, you can buy with a reverse and have no additional payments after putting 50% down from the proceeds from your home you sell. This is something that you need to ask your REALTOR to investigate for you.
See the full video here: https://youtu.be/oaY_Fc3zb68 Tom Hedderich Hallmark Home Mortgage
What Your REALTOR Needs to Know When Using a Reverse Mortgage.
When you decide to use a reverse mortgage to purchase your next home, there are things that your REALTOR needs to know to make sure that you have a smooth and easy transaction. Just send them this video.
See the full video here: https://youtu.be/oaY_Fc3zb68 Tom Hedderich Hallmark Home Mortgage
Facts About Your Hearing Health
Do you have any idea how prevalent that hearing loss impacts people, it is more common that both cancer and diabetes, but often goes undetected for years?
Have you had yours tested recently? What is the age that most people should have their hearing tested to get a baseline of how you are hearing to make sure that you are not missing out on things you don’t realize?
See the full video here: https://youtu.be/UO3EjhyXSsI Dr. Judy Olson, AuD Doctor of Audiology
Complications From Untreated Hearing Loss
There are real consequences for allowing your hearing to be impaired without care to remedy. Did you know that it can be a major factor in isolation, depression even cogitative challenges? Have you found yourself having issues hearing people in rooms with background noise, answering questions you didn’t hear properly, or ever found yourself not accepting invitations just to avoid the frustration? What could you be missing out on already?
See the full video here: https://youtu.be/UO3EjhyXSsI Dr. Judy Olson, AuD Doctor of Audiology Hearing Solutions of Indiana 765-771-7109 office@indianahearing.com
What Finally Gets Most People to Seek Help on Their Hearing?
Most hearing loss happens very gradually, and you find yourself not noticing the decline as it happens, until a level finally is reached that is almost a slap in the face. Putting things off allow moments to be stolen from your quality of life you were not even aware you missed until they were gone. Maybe just taking a moment to find out more is worth your time.
See the full video here: https://youtu.be/UO3EjhyXSsI Dr. Judy Olson, AuD Doctor of Audiology Hearing Solutions of Indiana 765-771-7109 office@indianahearing.com
How Soon Should You Start Proactive Care?
If you are hearing complaints about the television is too loud, if you find yourself saying “what or huh” or find you are running into disagreements from not hearing someone properly. You might want to consider those new regimes of tests your doctor adds to your check ups in middle age, that you add hearing checks as well.
See the full video here: https://youtu.be/UO3EjhyXSsI Dr. Judy Olson, AuD Doctor of Audiology Hearing Solutions of Indiana 765-771-7109 office@indianahearing.com
Everyday Dangers to Your Hearing
Many of us our involved in careers and hobbies that can injure our hearing, we may not think of them, they don’t have to be a four-alarm fire siren going off, much quieter things, especially if it is a long exposure can make a huge impact.
If you are doing anything that is loud, even if someone was a house cleaner using a vacuum for hours each day, it is a good idea to be aware of the potential damage and protect your hearing.
See the full video here: https://youtu.be/UO3EjhyXSsI Dr. Judy Olson, AuD Doctor of Audiology Hearing Solutions of Indiana 765-771-7109 office@indianahearing.com
Won’t My Doctor Tell Me When I Should Check My Hearing?
Why do I have to worry about meeting with someone on my hearing, won’t my doctor recommend it if they believe I need help? Today the average time a doctor spends with a patient is now about six minutes, it is highly unlikely they will notice, or think of it. How often have you gone and forgotten several things you were going to ask if you hadn’t written it down beforehand.
This is something where you will need to be proactive looking out for yourself.
See the full video here: https://youtu.be/UO3EjhyXSsI Dr. Judy Olson, AuD Doctor of Audiology Hearing Solutions of Indiana 765-771-7109 office@indianahearing.com
How Can I Afford Hearing Care? And Why Should You Choose an Audiologist?
Since most insurance programs do not pay for hearing aids and hearing care, how do you pay for this service? What If you are on a fixed income and don’t have available cash for a bigger expense? What are the options? How can you get your hearing care on your budget?
Did you know that many of the stores that offer hearing aids are staffed by someone who only needs a high school degree and to take a single test to get a state license to sell hearing aids, vs going to an Audiologist who has passed medical school to do the same? Maybe there is a difference in the level of expertise you might want to seek.
See the full video here: https://youtu.be/UO3EjhyXSsI Dr. Judy Olson, AuD Doctor of Audiology Hearing Solutions of Indiana 765-771-7109 office@indianahearing.com