Many baby boomers are considering whether or not to buy long term care insurance. Unfortunately, most choose not to purchase coverage leaving their loved ones at risk of being financially devastated if long term care should be necessary. While the odds of requiring long term care services are significant – more than 70% of Americans over the age of 65 will need long term care services at some point in their lives – most seniors are under the mistaken impression that they wi

Over 20 years of estate planning experience has taught me a lot about what parents should and should not share with their children. Too often, a parent may insist on discussing unimportant or trivial matters and refuse to share the important matters such as how they decided who would receive an heirloom. As a Wall Street Journal article several years ago recommended, disclosing the specifics about your will or trust can be very beneficial to your children (“Five Reasons for P

In the 1990 comedy movie Home Alone, Macaulay Culkin plays the role of a young boy mistakenly left behind while his family flies to Paris for their Christmas vacation. The movie was a huge success, but such is not the case for seniors who are remaining in their homes without appropriate assistance for their long term care needs. While it is understandable for seniors to want to remain in their homes, it can be dangerous unless appropriate steps are taken to ensure it can b

It wasn't that long ago that the on-line world was something used primarily by the younger generation. Now it touches nearly every aspect of our lives and it continues to grow apace. Facebook surpassed one billion active users last year - it now reaches 1 out of 7 people on the planet. Google has 400 million registered users and more than 100 million active users every month. With more than 75% of American households owning a computer, it is common for people to have multiple