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Randall J. Ryder

Stop Abusive Debt Collectors: Know Your Rights as a Consumer

by Randall J. Ryder January 27, 2012
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Elderly adults are often the victims of overly aggressive debt collectors seeking payment for credit card debt, medical bills, and housing related expenses. Certainly, a valid and binding debt cannot be ignored by any consumer. But there are, unfortunately, many circumstances where those seeking debt have incomplete or inaccurate information, or the debt collector violates the consumer rights [...]

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Preparing for Emergencies

by Randall J. Ryder January 12, 2012

Emergencies and the Elderly During the pst several years there have been an adbundance of natural disasters leading to widespread destruction, injury, and death. Fires cuased by persistent drought, floods, tornadoes, and earthquakes have brought about terrible consequences and demonstrated the need for all of us to be ready for natural disasters. Obviously, these events [...]

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What’s New for Medicare in 2012?

by Randall J. Ryder January 9, 2012

There has been considerable discussion of Medicare over the past year most focusing on how to finance this healthcare program in the future. But there are a number of changes that will take place in 2012, many of which will provide additional coverage. The bad news? Well, premiums will increase. Here are some of the [...]

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Medicare Offers Quality of Care Assistance

by Randall J. Ryder December 29, 2011
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Quality Improvement Organizations (QIOs) work under the direction of the Centers for Medicare & Medicaid Services, an agency of the U.S. Department of Health and Human Services. There are 53 QIOs responsible for each U.S. state, territory, and the District of Columbia. To get the address and phone number of the QIO for your state [...]

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Long Term Care: Financing Through Reverse Mortgages

by Randall J. Ryder December 27, 2011

What is a Reverse Mortgage? A reverse mortgage is a special type of home equity loan that allows you to receive cash against the value of your home without selling it. You can choose to receive a lump-sum payment, a monthly payment, or a line of credit. You must use the funds you receive to [...]

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You CAN Reduce Prescription Drug Costs

by Randall J. Ryder December 20, 2011

There is no doubt that if you have a chronic medical condition you are struggling with  the high cost of prescription drugs. Over the past decade, prescription drug costs have risen more than any other health care cost on a percentage basis. Certainly, not all prescription drugs are costly. For example diuretics, used to control [...]

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