Posts tagged as:

financial planning

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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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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Do You Need a Trust?

by Randall J. Ryder November 22, 2011

Some Advantages of Trusts A majority of older individuals have taken the time to have a valid will written and shared with members of their family. Most people assume that since they have a will there will be no need for one’s assets to pass through a court after they die. Unfortunately, that is now [...]

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Investment Fraud

by Randall J. Ryder August 16, 2011

Avoiding Investment  Fraud Unfortunately, too many older adults fall victim to investment fraud. To protect yourself and  your loved ones, the U.S. Securities and Exchange Commission provides some sound advice on how to avoid investment fraud, warnings for fraud, and where you can go for assistance if you have been a victim of fraud. What [...]

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Legal Assistance for Elder Adults

by Randall J. Ryder July 18, 2011

As one ages, there are numerous legal issues that must be addressed. An individual needs to consider a power of attorney, will, advance medical directive and other estate planning considerations. Fortunately. there are programs and services funded under the Older Americans Act (OAA) are designed to empower older persons to remain independent, healthy, and safe [...]

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Dealing with Your Parent’s Credit Card Debt

by GUEST May 24, 2011
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With the economy the way it has been the last several years, there have been an increasing number of retired citizens relying on credit cards to cover their monthly expenses. This has increased the number of children who are left with credit card bills when their parents pass away. If you are contacted by a [...]

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