They say you should always be nice to your kids because one day they'll choose your nursing home Now that's an old joke but there is some truth to it On today's MoneyWise Live host Rob West will explain that one way to keep more decision-making power about those matters in your hands is to have long term care insurance Then he'll take your questions on the financial topics you'd like to discuss See omnystudio com listener for privacy information [... more]

Pre-existing conditions prevent many people from obtaining long term care insurance and specifically home health care insurance Hans goes over solutions for consumers with pre-existing conditions through age who want to protect themselves against the high cost of bringing help into their home Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans and Robby go over all your options for where to receive long term care when you are older Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Robby and Hans talk all about planning for retirement this week especially as the world around us is changing Almost everyone wants to age at home but in order to do this you have to have a plan Otherwise it is very unlikely that you will be able to finish your life at your home Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide [... more]

What is normal As caregivers we discover that we have to make our own normal and trust that we can have meaningful moments and even joy in that normal of our own making This caller and I discussed this in this clip from the show In addition as she struggled with figuring out how to care for her aging father I pointed her to this service that Gracie and I use We can often use technology offload some not all of the monitoring components of our caregiving responsibilites https hopeforthecaregiver podbean com e are-they-safe-are-you-a-easy-reliable-and-secure-way-to-offload-caregiving-challenges Peter Rosenberger is the host of [... more]

Hans goes over your options for paying for home health care even if you have some health issues and limited income The most important aspect of getting set up for long term care is purchasing it while you are in your 's or early 's Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Our long-time friend Elizabeth Moss called the show to share insights on caring for an aging loved one during the pandemic The founder of Nashville TN's premiere in home care company Elizabeth brings a valuable background in Nursing Alcohol and Drug treatment and Geriatrics Elizabeth dedicates her life to on-going training education and experience for the well-being of others She has been a devoted and professional caregiver since in the areas of Assessment Training Activities Therapy Certified Nursing Technician Licensed Practical Nurse of Geriatrics and Integrative Health Practices such as Reflexology Aromatherapy and other modes of therapeutic care During a [... more]

Many people think Medicare will pay for home health care but it really does not Hans goes over what exactly Medicare covers and what other options you have for covering long term care costs Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

One of the most welcome encouraging and consistent voices to family caregivers is Gary Barg for decades he's lead the Fearless Caregiver conferences and published Today's Caregiver In his new book YOU ARE NOT ALONE Gary continues even in this time of social distancing to find new ways to grab as many caregivers by the lapels and let them know that they indeed are not alone Listen to his inspiring and hilarious conversation with me and John Butler- the Count of Mighty Disco from Sunday's show Find out more about Gary and his book at www Caregiver com Peter Rosenberger [... more]

You don't want to buy or can't afford to buy a traditional long term care insurance policy but you still want coverage Hans goes over your options for short term care and how some policies even pay for care at your home Having a year of coverage is much better than having no coverage at all It gives your family time to figure out a long term plan Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal [... more]

This week Robby and Hans discuss how to make sure you have a plan for finishing well specifically one that includes home health care They get into the details of different routes and policies including the policy that Robby is currently getting There is peace of mind that comes with having this planned out now not only for you but for your family Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com [... more]

Home health care is the most popular choice when asking people how they would prefer to receive long term care services It can also be one of the most expensive choices Hans and Robby talk about what you can do now to plan for this cost as well as how Hans helps people who don't plan ahead of time and are now in crisis They go over prices of policies you can purchase to cover home health care as well as other ways you can prepare for this expense Don't forget to get your copy of The Complete Cardinal Guide [... more]

The Secure Act was passed in Congress at the end of It changed a few things related to retirement including Stretch IRAs Stretch IRAs now have to be emptied after years Hans and Robby go through what this means how it affects you and even strategies to put into place so you can avoid ever worrying about this It is all for your family Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide [... more]

If you look up the word Love and Father in Hebrew you'll notice the Hebrew symbol for household in the middle of each This week Hans and Robby talk about the love and stewardship behind long-term care for the sake of your household Robby talks about a woman who told him about her mother's declining health Originally she was going to have to take off work to take care of her mother A few months ago she was able to hire someone to help take care of her mother and it was a game-changer She said she was able to [... more]

It's a very short step from 'I don't want to live like that' to 'No one should live like that ' We need more protection for people - Nancy Valko www nancyvalko com Palliative and Hospice care continue to confuse so many caregivers While some programs offer amazing and beneficial services to families others seem to be detrimental Involving the Govt seems to give a stamp of approval of something but is it what it says it is How can we know Nancy Valko called HOPE FOR THE CAREGIVER on Sirius XM's Family Talk Channel to discuss this Transcript of [... more]

This week Hans and Robby take the show on the road Hans is in Dallas at the Ed Slott Elite Advisor group for voluntary learning about everything IRAs Learn about all the new updates to IRAs as well as taxes distributions and beneficiary forms Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

In Colossians Paul said Now I rejoice in my sufferings for you and in my physical body for the sake of his body the church I fill up what is lacking in the afflictions of Christ This week Hans and Robby listen to Tom as he discusses his personal experience with a health scare and needing an around-the-clock caregiver Tom said he had been experiencing bad headaches and unusual sleep patterns for a few days and wrote it off as work-related stress His wife eventually forced him to go to ER knowing something was wrong The doctors unable to find [... more]

We are thrilled to welcome HOME RULE as a sponsor on our North Carolina affiliates www homerule net Care-taking is a full-time job We believe that families should be able to access the benefits they are receiving When you are understaffed you lose that time sleeping time working time family time restoration time- YOUR time Home Rule offers Skilled Nursing Services as well as Companion Sitter Services in North Carolina in the following countries Catawba Lincoln Gaston Burke Iredell McDowell Caldwell Alexander Mecklenburg Cabarrus Stanly Rowan Davie Forsyth Buncombe Watauga Wilkes Yadkin Avery and Cleveland Counties A primary difference is [... more]

Finding the beauty in everyday situations can help you hear God's message clearer Philippians says Finally brothers and sisters whatever is true whatever is noble whatever is right whatever is pure whatever is lovely whatever is admirable if anything is excellent or praiseworthy think about such things After a death of a close one which Robby is currently going through finding beauty helps him get through tough times People reaching the age of Medicare enrollment sometimes have a hard time seeing the beauty of it and it can hurt them in the long run According to Hans people already on [... more]

Timothy says Anyone who does not provide for their relatives and especially for their own household has denied the faith and is worse than an unbeliever This week Robby talks about how this verse is more relevant to him now He is no longer ignorant about Medicare and long term care Robby feels like it is his responsibility to share his personal story so that other people don't find themselves where he was without a plan Your chances of needing long term care is either or but Hans stressed that we focus too much on the statistics What really is [... more]

This week we are diving further into Medicare discussing Medicare Supplements and Medicare Advantage Plans We talk about the differences between the two how they cover what Medicare doesn't and how much they cost We also discuss the biggest similarity of them both they don't cover long-term care How do you fill the gap that this leaves How does Medicaid fit into all this Listen to find out If you would like to follow along with the show in the book you can get the books on Amazon or download the corresponding chapters on CardinalGuide com Hans can be reached [... more]

Jeremiah says This is what the Lord says 'Stand at the crossroads and look ask for the ancient paths ask where the good way is and walk in it and you will find rest for your souls ' A lot of people planning for long-term care don't ask where the good way is This week Hans and Robby discuss misconceptions or urban legends surrounding how Medicaid pays for long-term care While Medicaid will pay for long-term care it takes a lot to get to this point and giving away all your money is not going to automatically qualify Medicaid-paid long-term [... more]