Author Archives: Rick Messemer

OPTIONS FOR SENIOR LIVING

GETTING OLDER…………. WHAT ARE YOUR HOUSING OPTIONS? -Age in Place:  Make sure your home is safe and fully accessible.  Should you have a pendant or watch that indicates a fall or other emergency?  Door bell monitor?  Understand and vet all … Continue reading

Posted in Alzheimer's, legal documents, Long Term Care Planning | Tagged , , , , , , | Leave a comment

Assisted Living: Possible ways to pay

Assisted Living is basically defined as a community to help an individual with their “Activities of Daily Living”. ADL’s are: Walking, or otherwise getting around the home or outside. The technical term for this is “ambulating.” Feeding, as in being … Continue reading

Posted in Alzheimer's, Dementia, Long Term Care Planning | Tagged , , , | Leave a comment

Is it Dementia (Alzheimer’s) or is it something else????

Before you accept a diagnosis of Dementia, please have a full physical exam. 4 medical issues that could be mistaken for Alzheimer’s disease: •Medication. The medications your doctor prescribes could provide different side effects as you age. …  (Have your … Continue reading

Posted in Alzheimer's, Core Legal Documents, Dementia, legal documents, Long Term Care Planning | Leave a comment

Shareholder rights (Especially if you own shares in small or privately owned companies)

Protecting Your Rights as a Shareholder If you are considering purchasing shares in a company, do you understand the potential risks as well as the perks? What are the rights and privileges of a shareholder? And how do you protect … Continue reading

Posted in Uncategorized | Tagged | Leave a comment

You should have easy access to these documents

Can you find your important “papers” when you need them most (and fast)? Important paperwork and documents are markers of adulthood, and they become even more important as we age. While we should all strive to have our documents in … Continue reading

Posted in Core Legal Documents, legal documents, Long Distance Care Giving, Long Term Care Planning | Leave a comment

Pre-Paid Funeral. I’m afraid my investment will be lost

I’m sure you’ve heard the story of people who lost the whole amount they gave to the funeral home that went out of business or was sold?   In N.C. – here is why it’s safe for you to do. The … Continue reading

Posted in Uncategorized | Tagged , | Leave a comment

If you are receiving Medicaid Waiver Payments, you need to read this!

Article Highlights: What are Medicaid Waiver Payments? IRS Ruled Them to be Non-Taxable Taxpayer-Favorable Tax Court Case Tax Credits Amended Returns Medicaid waiver payments are a type of payment from a state to an individual to take care of another … Continue reading

Posted in Uncategorized | Leave a comment

Medicaid Planning? Starting with the finances.

Assets we’ll look at: Checking accounts Savings accounts Brokerage accounts Certificates of deposit Stocks and bonds Savings bonds Primary residence if applicant does NOT intend to return home (note that if equity is greater than $595,000.00, then applicant does not … Continue reading

Posted in Long Term Care Planning | Tagged | Leave a comment

Financial (General/Durable) Power of Attorney

Understanding Financial (General/Durable) Power of Attorney A power of attorney allows a person you appoint — your “attorney-in-fact” or agent — to act in your place for financial or other purposes when and if you ever become incapacitated or if … Continue reading

Posted in Uncategorized | Leave a comment

Health Care Power of Attorney: North Carolina

North Carolina HEALTH CARE POWER OF ATTORNEY:   7 things to think about   What is it? In North Carolina a Health Care Powers of Attorney authorizing someone to make medical decisions for you, if you become unable to make or … Continue reading

Posted in Uncategorized | Leave a comment