Podcasts about long term care

Lily Vittayarukskul shares her remarkable journey from working at NASA in her teens to founding a company that innovates with AI to transform long-term care planning. We explore why long-term care remains one of the most misunderstood and underserved areas in wealth management, despite being one of the biggest retirement risks. We break down how long-term care works, who needs it most, the pros and cons of self-funding versus insurance products, and why many families fail to plan until it's too late. We discuss... Lily Vittayarukskul shared her early fascination with aerospace engineering, including work recognized at age 12 and a role at NASA's JPL by 16. A personal long-term care event in her family at age 16 prompted her pivot from aerospace to healthcare. She built technical expertise in genetics and AI at Berkeley before founding a company focused on long-term care solutions. The ideal candidates for long-term care planning are typically 40–60 years old, upper-middle-class individuals with $2–5 million in assets. Many financial professionals avoid long-term care due to its complexity, morbid nature, and time-consuming conversations. Traditional long-term care policies and hybrid/lump-sum products each have advantages depending on individual circumstances and predicted care needs. Self-funding long-term care is an option, but many clients are risk-averse and ultimately prefer a structured insurance plan. Lily's company uses decades of data to predict long-term care events and costs, helping advisors map policies to individual client needs. Long-term care planning is as much about protecting family members and legacy as it is about financial strategy. Conversations about long-term care should start with a professional, involve spouses, and eventually include children or trusted family members. Many clients struggle with the emotional and logistical burdens of caregiving, which can impact their own health and quality of life. The topic is often avoided culturally because it forces acknowledgment of aging, mortality, and potential loss of autonomy. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Mergent College Advisors   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter: https://twitter.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/transform-long-term-care-lily-vittayarukskul-762 

In this episode, Madison Guthrie, Director of Safety and Environmental Services of Vetter Senior Living, shares how attentive leadership and hands-on experience across different roles can drive meaningful change in senior living environments. The discussion reveals practical strategies for building trust, improving teamwork, and inspiring personal growth within care communities.Key Takeaways:00:00 Introduction.01:33 Getting to know multiple facilities provides new operational insights.​02:09 Different team communication styles inspire process improvements.​03:45 Listening to diverse perspectives fosters open-minded leadership.​06:33 Interdepartmental efforts build dignity and strong teamwork daily.​07:42 Valuing team members through unique communication truly motivates.​09:09 Career growth opportunities exist at every level in care.Resources Mentioned:Madison Guthriehttps://www.linkedin.com/in/madison-guthrie-9a368b222/Vetter Senior Living| LinkedInhttps://www.linkedin.com/company/vetter-senior-living/Vetter Senior Living | Websitehttps://www.vetterseniorliving.com/Thank you for listening to “People Worth Caring About.” If you found value in this episode, please subscribe and leave a 5-star rating to help others discover these important stories.For more information and to connect with our guests, visit PeopleWorthCaringAbout.com.#HealthcareLeadership #WasteManagement #SkilledTrades #PeopleWorthCaringAbout

In this episode, The Annuity Man discussed:  Choosing guarantees over speculation Knowing your "PILL" for protection Building your income floor Balancing risk with security   Key Takeaways:  Crypto investments are like rolling dice, while annuities provide contractual guarantees and predictable results. Building financial security means focusing on what you can count on, not what you can guess. The four reasons for owning an annuity are Principal Protection, Income for Life, Legacy, and Long-Term Care. These act as anchors for stability when market uncertainty rises. Social Security and pensions already provide a guaranteed income. Evaluating whether you need more ensures that your financial base remains steady even when the markets shake. Instead of chasing bonuses or hypothetical returns, consider moving some assets from high-risk areas like crypto into products with clear, guaranteed outcomes.   "You own an annuity for what it will do, not what it might do. The 'will do' is the contractual guarantees of the policy." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

This week Angela discusses the importance of long-term health care planning. She shares statistics about the likelihood of needing long-term care and the associated costs, emphasizing the need to create a comprehensive plan that goes beyond just financial aspects. Key Takeaways

Send us a textWhen it comes to caregiving and aging, anxiety is a silent but ever-present companion. Whether you're supporting a loved one or navigating your own transition into later life, the emotional toll can be immense. Kelly sits down with Bonnie Brindle—psychotherapist, author, transformational coach, and self-proclaimed “Anxiety Avenger”—to explore the unique challenges of anxiety in senior care and practical strategies for both caregivers and older adults.Drawing from her own journey through debilitating panic disorder and agoraphobia, Bonnie shares not just clinical wisdom, but lived experience. We dive deep into the actionable tips so you or those you care for can move toward calmer, healthier days.For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com. To explore your options for long-term care insurance, click here. Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care.Come back next time for more helpful guidance!

On this week's Money Matters, Scott and Pat tackle three critical financial planning decisions for high-net-worth investors. First, they break down whether it's better to self-insure for long-term care or rely on costly, often restrictive hybrid policies. Next, they explain how to rebalance an inherited portfolio, especially when legacy holdings no longer align with your goals or risk tolerance. Then, they dive into how to finance a vacation home wisely—weighing the risks of portfolio loans, capital gains exposure, and over-leveraging in retirement. You'll also hear a sharp analysis of gold's recent surge—and why emotional investing often backfires. Packed with real-life caller scenarios and expert financial guidance, this episode is a must for anyone focused on smart wealth management, legacy planning, and minimizing risk. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

How to remove funds from an Inherited IRAShould you get Long Term Care InsuranceWhat are Qualified DividendsNew Rules for 401k (catch-up only in ROTH starting in 2026)Ronald Reagan on free Trade

#ThisMorning | #LongTermCare #Cost #Lessons for #Policy Makers | Lynn White, CareScout | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness

In this episode, we explore the vital role of wellness in post-acute and assisted living care for the nurses and caregivers who support them every day. The discussion highlights how emotional, physical, and social well-being directly impacts long-term care professionals. Staff wellness is just as essential as the quality of care provided—and it profoundly influences the care residents receive.

Kevin Brucher discusses the common emotional barriers retirees face when it comes to spending their hard-earned savings. He emphasizes the importance of creating separate funds for different purposes, including a 'fun bucket' for discretionary spending. The conversation also covers the benefits of annuities as a source of guaranteed income, the significance of working with a fiduciary advisor, and the need for clear communication about long-term care options. Kevin shares personal anecdotes to illustrate the value of building trusting relationships with clients and the importance of understanding financial products thoroughly. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

In this episode of Kelley's Bull Market News, Kelley Slaught discusses essential strategies for retirement planning, focusing on business succession, financial legacy, and income generation. She emphasizes the importance of having a clear exit strategy for business owners, getting one's financial house in order, and planning for long-term care. The conversation also covers the significance of creating a personalized income plan, addressing debt management, and the risks associated with holding cash. Listener questions provide further insights into practical retirement strategies. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty breaks down the five pillars of retirement that every retiree should have in their plan. They are the income, tax. Investment, healthcare, and estate plan pillars. He also reviews some tax changes that are coming in 2026 and discusses the transition from accumulation to decumulation in retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

In this inspiring episode, AgingIN CEO Susan Ryan sits down with Erin Hart and Peter Murphy Lewis, who share how they're transforming perceptions of long-term care through storytelling and authentic human connection. Erin, who has spent 13 years in long-term care and now works with the Ohio Health Care Association, describes how growing up across the street from her grandmother shaped her lifelong dedication to caregiving. Her personal story and professional mission intersect in powerful ways—advocating for caregivers and restoring pride in their work. Peter, whose childhood experiences with his grandparents' caregivers left a lasting impression, brings his background in media and storytelling to the eldercare space. His documentary series, "People Worth Caring About," captures genuine caregiver stories that highlight the dignity, skill, and heart within the profession. In addition to discussing the power of storytelling to move hearts and reshape cultural narratives about aging and care, Erin and Peter highlight how authentic stories can do what data alone cannot—inspire empathy and drive change. Learn more about the docuseries here: https://peopleworthcaringabout.com/home. Please visit our website at : https://aginginnovation.org Thanks to Amba our sponsor: https://www.ambahealth.com/

Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins Jon Hansen to discuss long-term care needs. Tim talks about how it can get overlooked when creating a financial plan and the importance of thinking about beneficiaries. For more information, call 800-640-2256.

This special live podcast event at the AHCA/NCAL Convention & Expo in Las Vegas is a dynamic, high-level conversation on the future of long-term care. Our panelists sat down to explore the biggest challenges — and opportunities — facing the industry today. From workforce and funding to managed care and innovation, this timely discussion spotlights how we can move forward, together. From regulatory reform and Medicaid funding to workforce resilience and pharmacy innovation, this session covers the top issues shaping the industry and the opportunities ahead for collaboration. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are Speed Cameras a cash grab? Guest: Patrick Johnstone, Mayor Of New Westminster How will government funding cuts affect long term care homes? Guest: Janice Boyle, Chief Executive Officer, Three Links Care Society What happens when big companies lay off 1000s of people? Guest: Nita Chhinzer, Associate Professor, Department of Management, University of Guelph How does remote work reduce gender discrimination? Guest: Laura Doering Associate Professor , Rotman School of Management & Dept. of Sociology, University of Toronto Is Canada going to cut tariffs on Chinese EVs? Guest: Daniel Breton, President & CEO, Electric Mobility Canada Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a veteran or spouse worried about paying for long-term care? Get the most out of your VA benefits so you can afford the care you need and deserve. Even if you've planned for retirement, assisted living, skilled nursing care, and at-home care can be expensive. With VA programs like pension, aid and attendance, housebound allowance, and compensation, the care you or your spouse needs can become more affordable.Talk to a representative from your local Veterans Affairs office or Veterans Service office to make sure you're maximizing your retirement benefits. They can help you understand what services you are eligible for, connect you with other resources in the community, and make navigating application processes easier for you.It's never too late to start planning and saving for retirement, but the earlier you start the better. The military even has financial planners available to you if you're still serving. Be sure to take advantage of the benefits available to you while you're active duty and as a veteran so you can afford to retire when you want.In Ohio? You can find your local county Veteran Service office here: https://dvs.ohio.gov/what-we-do/find-a-cvso

Florida is the state most often hit by hurricanes, and with roughly 700 nursing homes, year-round emergency planning and preparedness training are imperatives. Building on a dramatic weather year in 2024 — three major storms made landfall, including two in the same area, back-to-back — the Florida Health Care Association this month published a new resource for its members and long-term care providers much further afield. The Emergency Preparedness in Long Term Care report acknowledges that three major hurricanes and resulting evacuations put providers' emergency planning responsibilities “to the test.” But time-sensitive decisions using predetermined procedures and solid communication plans developed months before those emergencies were critical, said co-author Kristen Knapp, FHCA's senior director of strategy and communications. “All emergencies are local, so those relationships with your local emergency managers, your local utility providers, those are so critical during blue sky experiences, when there's not a storm threatening,” she tells McKnight's in this podcast episode, recorded at the American Health Care Association's annual convention in Las Vegas. Storms aren't the only thing the report examines and offers tips on. It addresses proactive preparation, training implementation and important considerations such as transfer trauma that providers in any state can use to enhance their own emergency planning efforts — for a range of natural and manmade events. “One of the things that happened this past year is a significant power outage. … You need to be prepared for that. You know, we have tornadoes, we have wildfires in Florida. There's cybersecurity threats,” she says. “Making sure that you are training your staff, that your comprehensive emergency preparedness plan that your facility has is inclusive of other emergencies besides a hurricane is really critical.” Listen in for more tips on preparing, a day-by-day strategy to get ready for a predicted weather threat, and more insights on helping residents and staff weather any kind of storm, both physically and emotionally. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In spring 2025, Consumer Voice conducted a nationwide survey of long-term care residents to learn what daily life is like in their facilities. The questions ranged from whether residents feel they are treated with dignity and respect to how appealing their meals are, and everything in between. In this two-part podcast, we discuss the survey results and explore key themes with the residents themselves, who serve on Consumer Voice's Consumer Advisory Council. They share their thoughts and experiences on what it's like to live in long-term care in 2025 and offer valuable advice on how they advocate for themselves and others. Guests: Maurice Miller, Ray DiFrancisco, Cindy Jones, Margarite Grootjes, and Jeanette Sullivan-Martinez

You've heard it before—70% of Americans over 65 will need long-term care. While that number is technically true, it's also misleading. Because here's what many people don't realize: the vast majority of retirees will never face a catastrophic, six-figure care event. In fact, nearly two-thirds will spend ZERO out of pocket during their lifetime!

Elizabeth New (Hovde) of the Washington Policy Center calls for reforming Medicaid Long-Term Care to ensure it serves people in genuine need and protects taxpayer resources. https://www.clarkcountytoday.com/opinion/opinion-to-protect-a-safety-net-and-taxpayers-reforms-to-medicaid-long-term-care-are-needed/ #Opinion #Medicaid #LongTermCare #WashingtonPolicyCenter #ElizabethNewHovde #HealthcareReform #PublicPolicy #Taxpayers #SafetyNet #Accountability

Understanding long-term care options is crucial for families facing dementia. Many fear the overwhelming costs. However, there are often overlooked benefits available. On this episode, we share real stories of financial challenges. Furthermore, we provide practical insights into navigating the complex world of long-term care benefits. We discuss how families can qualify for assistance. Consequently, we highlight strategies to protect assets. Discover the nuances of government programs like Medicaid. Moreover, learn how states interpret federal guidelines. We also touch upon the importance of planning ahead. Consequently, you'll feel more prepared. Ultimately, our goal is to empower you. Therefore, you can secure real support and peace of mind for your loved one's long-term care. Tune in to learn more. Our Guest: Aaron Miller Aaron R. Miller's professional life began with a successful career in corporate litigation, representing large companies in cases involving multi-million dollar disputes. What gave him the most professional satisfaction was helping people with whom he had developed personal relationships. A skilled attorney with a passion for many aspects of law, Aaron nonetheless found himself at a crossroads when he realized that with many years of practice in front of him, he did not want to continue a career involving such combative work.Just before Aaron decided to leave the law for good, he discovered that families really need help protecting those they love through proper estate planning. From that, the Miller Law Office, PLLC was born. +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Related Episodes: Long-term Care - Low Cost Options Home Dementia Care Alarm: Crisis in Long-term Care ++++++++++++++++++++++++++++++++++++++++ Sign Up for more Advice & Wisdom - email newsletter. ++++++++++++++++++++++++++++++++++++++++ Please help us keep our show going by supporting our sponsors. Thank you. ++++++++++++++++++++++++++++++++++++++++ Make Your Brain Span Match Your LifeSpan Relevate from NeuroReserve With Relevate nutritional supplement, you get science-backed nutrition to help protect your brain power today and for years to come. You deserve a brain span that lasts as long as your lifespan. ++++++++++++++++++++++++++++++++++++++++ Feeling overwhelmed? HelpTexts can be your pocket therapist. Going through a tough time? HelpTexts offers confidential support delivered straight to your phone via text message. Whether you're dealing with grief, caregiving stress, or just need a mental health boost, their expert-guided texts provide personalized tips and advice. Sign up for a year of support and get: Daily or twice-weekly texts tailored to your situation Actionable strategies to cope and move forward Support for those who care about you (optional) HelpTexts makes getting help easy and convenient. ++++++++++++++++++++++++++++++++++++++++ List of the Top 20 Alzheimer's Podcasts via FeedSpot! See where we rank. Join Fading Memories On Social Media! If you've enjoyed this episode, please share this podcast with other caregivers! You'll find us on social media at the following links. Instagram LinkedIn  Facebook Contact Jen at hello@fadingmemoriespodcast.com Or learn more at Our Website

What if your retirement plan could protect you from life’s biggest financial shocks? In this episode, Steve Hoyl and Derrick Caldwell break down the real pros and cons of annuities, bust common myths, and reveal why planning for long-term care is more urgent than ever. Hear personal stories, expert advice, and practical tips to help you secure your future—Texas style. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Virginia's population is getting older — fast. By 2030, more than 2.2 million residents, or a quarter of the state, will be over the age of 60.

Roger Loomis sits down with Stephanie Moench and Michael Rustemeyer to discuss their paper that was just published by the SOA Research Institute: “Long-Term Care Wellness Primer”, which can be downloaded here: https://www.soa.org/resources/research-reports/2025/long-term-care-wellness/

Certified Elder Law Attorney and former geriatric social worker Julie Steinbacher (president of The Million Dollar Solution) shares how authentic collaboration —not quick visits—with nursing homes and care facilities can transform your referral network. By understanding their challenges and working together on real solutions, attorneys can build trust and consistent referral pipelines. Julie stresses focusing on the few facilities that share your values, following up regularly, and tracking referrals—because one referral often leads to many more. Her approach helped her grow a seven-office firm, proving that authentic relationships and steady communication can fuel lasting growth.Learn More about Julie & Million Dollar Solution here:

Think taxes are your biggest retirement risk? Discover how smart tax planning can preserve your savings, why most retirees struggle to spend confidently, and how life insurance can do more than just cover emergencies. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedIn See omnystudio.com/listener for privacy information.

Tripp Limehouse discusses the multifaceted nature of legacy planning, emphasizing that it extends beyond financial assets to include emotional and spiritual legacies. He highlights the importance of thorough retirement planning, including the need for liquidity and a 'shock blanket' to handle unexpected life events. The conversation also covers the significance of long-term care planning and the rising costs of healthcare in retirement, urging listeners to consider these factors in their financial strategies. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

PFR Nation, As you know, we are well underway with our free giveawaysfrom a couple of weeks ago. And as I mentioned last week, we received a lot of great comments in that YouTube thread! So last week, I touched on three of the questions in a Q&A format.  Today, I'll address three more! Here they are:1.       “So how do you actually build a retirement income plan that both people can sleep at night with when one side wants market exposure and the other wants safety?”2.       “I've set aside (spreadsheet) my calculated number to self-fund my long-term care, but the variables and assumptions concern me.”3.       “How do we pay for health care before Medicare?”You're not going to want to miss this one, and hope you find it useful!  Thanks for tuning in. -Kevin  Resources Mentioned in this Episode:Genworthand Carescout Cost of CareThe ACA Premium Tax Credits AreChanging in 2026! (PFR Video)Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how modern life insurance can be more than a death benefit—it can be an all-in-one tool for retirement planning strategies, tax advantages of life insurance, and long-term care insurance. With guest expert Jim Bowman, they explain how well-structured cash value policies—especially Indexed Universal Life—can provide tax free retirement income, flexible access to cash, and an efficient way to leave a legacy to family or charity.Listen in to learn about the practical differences between term and cash value policies, how to design funding to avoid MEC rules, why many retirees use unneeded RMDs to create tax-efficient benefits, and how hybrid life insurance can accelerate a portion of the death benefit for qualifying long-term care needs. If you want a clear path to secure your retirement, plan for retirement, and keep a simple retirement checklist for retiring comfortably, this conversation is for you.In this episode, find out:· How to think about life insurance benefits beyond debt protection—legacy, liquidity, and LTC.· The mechanics of life insurance cash value and using policy loans for tax free retirement income.· Why life insurance and taxes can work in your favor when policies are designed to minimize insurance cost and maximize accumulation.· When to consider life insurance for retirement (including for business owners) and how to fund over 5–7 years to avoid MECs.· Using unwanted RMDs to fund life insurance for seniors or a hybrid life insurance policy with long term care insurance riders.Tweetable Quotes:· “Life insurance can be the Swiss Army knife of retirement—growth, tax efficiency, legacy, and long-term care in one plan.” — Radon Stancil· “Design the policy to minimize insurance cost and maximize cash value—then let it do the heavy lifting for tax-free income.” — Murs TariqThroughout the episode, we cover: Retirement Planning, retirement planning strategies, planning retirement with Indexed Universal Life, coordinating with a broader financial plan, and using a straightforward retirement checklist to align cash flow, taxes, and legacy goals—so you can secure your retirement.Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this episode, host Alyssa McNamara and guest Lara Shea, the CEO of Rivermead Retirement Community. The discussion centers on the financial and social challenges of aging and long-term care in the United States, particularly for the large baby boomer generation. Key topics explored include the misconceptions about Medicare and Medicaid coverage for long-term care, the increasing difficulty of planning for these costs due to their highly variable nature, and the diminishing viability of long-term care insurance as a solution. The experts also touch on how the growing "sandwich generation" and the increasing cost of living are making it harder for adult children to care for their parents, emphasizing that private pay is becoming the most prevalent option for senior living and care. Alyssa McNamara Reed, CFP®is a financial planner with passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees. McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years. COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY. http://mcnamarafinancial.com/

Washington voters will vote on if they want long term care funds to be invested into the stock market. Some Seattle city employees are still not coming into the office. Sound Transit wants yet another property tax increase to ameliorate its budget deficit. Bob Woodward is once again saying what Trump is doing is “worse than Watergate.” // Big Local: A Federal Way couple had their Dahlia garden destroyed by a passerby. The Everett City Council might renew a law inhibiting people from lying and sitting on public property. // Fridays with Jake Skorheim: What are fans doing to get ready for Mariners games? 

This podcast is sponsored by YARAL Pharma.  In this episode, we are focusing on the management of hypothyroidism -- a treatable, but not curable condition – and will explore unique challenges for patients with hypothyroidism in long-term care – from tolerability and formulation considerations to consistent dosing and patient needs. Dr. Tamara Ruggles is not affiliated with YARAL Pharma. All views and opinions regarding hypothyroidism are solely her own and are not attributable to YARAL or the Pharmacy Podcast Network. IMPORTANT SAFETY INFORMATION for levothyroxine sodium capsules INDICATION AND USAGE Levothyroxine sodium capsules are L-thyroxine (T4) indicated for adults and pediatric patients 6 years and older with: Hypothyroidism - As replacement therapy in primary (thyroidal), secondary (pituitary), and tertiary (hypothalamic) congenital or acquired hypothyroidism Pituitary Thyrotropin (Thyroid-Stimulating Hormone, TSH) Suppression - As an adjunct to surgery and radioiodine therapy in the management of thyrotropin-dependent well differentiated thyroid cancer Limitations of Use: Levothyroxine sodium capsules are not indicated for suppression of benign thyroid nodules and nontoxic diffuse goiter in iodine-sufficient patients as there are no clinical benefits and overtreatment with Levothyroxine sodium capsules may induce hyperthyroidism. Levothyroxine sodium capsules are not indicated for treatment of transient hypothyroidism during the recovery phase of subacute thyroiditis WARNING: NOT FOR THE TREATMENT OF OBESITY OR FOR WEIGHT LOSS Thyroid hormones, including levothyroxine sodium capsules, either alone or with other therapeutic agents, should not be used for the treatment of obesity or for weight loss. In euthyroid patients, doses within the range of daily hormonal requirements are ineffective for weight reduction. Larger doses may produce serious or even life-threatening manifestations of toxicity, particularly when given in association with sympathomimetic amines such as those used for their anorectic effects. Contraindications Uncorrected adrenal insufficiency Warnings and Precautions Cardiac adverse reactions in the elderly and in patients with underlying cardiovascular disease: Initiate Levothyroxine sodium capsules at less than the full replacement dose because of the increased risk of cardiac adverse reactions, including atrial fibrillation Myxedema coma: Do not use oral thyroid hormone drug products to treat myxedema coma Acute adrenal crisis in patients with concomitant adrenal insufficiency: Treat with replacement glucocorticoids prior to initiation of levothyroxine sodium capsules treatment Prevention of hyperthyroidism or incomplete treatment of hypothyroidism: Proper dose titration and careful monitoring is critical to prevent the persistence of hypothyroidism or the development of hyperthyroidism Worsening of diabetic control: Therapy in patients with diabetes mellitus may worsen glycemic control and result in increased antidiabetic agent or insulin requirements. Carefully monitor glycemic control after starting, changing, or discontinuing thyroid hormone therapy Decreased bone mineral density associated with thyroid hormone over-replacement: Over-replacement can increase bone reabsorption and decrease bone mineral density. Give the lowest effective dose Adverse Reactions Common adverse reactions with levothyroxine therapy are primarily those of hyperthyroidism due to therapeutic overdosage. They include the following: General: fatigue, increased appetite, weight loss, heat intolerance, fever, excessive sweating Central Nervous System: headache, hyperactivity, nervousness, anxiety, irritability, emotional ability, insomnia Musculoskeletal: tremors, muscle weakness Cardiovascular: palpitations, tachycardia, arrythmias, increased pulse and blood pressure, heart failure, angina, myocardial infarction, cardiac arrest Respiratory: dyspnea Gastrointestinal (GI): diarrhea, vomiting, abdominal cramps, elevations in liver function tests Dermatologic: hair loss, flushing Endocrine: decreased bone mineral density Reproductive: menstrual irregularities, impaired fertility Adverse Reactions in Children Pseudotumor cerebri and slipped capital femoral epiphysis have been reported in children receiving levothyroxine therapy. Overtreatment may result in craniosynostosis in infants and premature closure of the epiphyses in children with resultant compromised adult height. Seizures have been reported rarely with the institution of levothyroxine therapy. Hypersensitivity Reactions Hypersensitivity reactions to inactive ingredients (in this product or other levothyroxine products) have occurred in patients treated with thyroid hormone products. These include urticaria, pruritis, skin rash, flushing, angioedema, various GI symptoms (abdominal pain, nausea, vomiting and diarrhea), fever, arthralgia, serum sickness and wheezing. Hypersensitivity to levothyroxine itself is not known to occur. Drug Interactions: Many drugs and some foods can exert effects on thyroid hormone pharmacokinetics (e.g., absorption, synthesis, secretion, catabolism, protein binding, and target tissue response) and may alter the therapeutic response to Levothyroxine sodium capsules. Administer at least 4 hours before or after drugs that are known to interfere with absorption. See full prescribing information for drugs that affect thyroid hormone pharmacokinetics and metabolism. To report SUSPECTED ADVERSE REACTIONS, contact Yaral Pharma Inc. at 1-866-218-9009, or FDA at 1-800-FDA-1088 or www.fda.gov/medwatch. For Full Prescribing Information, including Boxed Warning, go to www.yaralpharma.com/levothyroxine-pi.

Bryan Hodgens, senior vice president and head of LIMRA research, explains why standalone long-term care coverage remains scarce, and how hybrid products are emerging as key solutions to help families and younger consumers manage rising caregiving and retirement risks.

In this episode of Stuff About Money They Didn't Teach You in School, Erik Garcia, CFP®, ChFC®, BFA™, and Xavier Angel, CFP®, ChFC®, CLTC, tackle one of the most important yet often overlooked financial topics: long-term care. The conversation kicks off with a laugh as Erik shares how Xavier nearly got himself kicked out of a professional study group for challenging the conventional wisdom around long term care insurance. That sets the stage for a lively discussion about why this issue matters so much, even if it is not the kind of thing people want to chat about at a cocktail party. Between sobering stats about rising care costs and Xavier's candid story of his aunt currently in a long term care facility, this episode keeps things engaging while shining a light on a subject that is too often ignored. But ignoring the problem does not make it go away. With the average nursing home room now costing well into six figures annually, long term care planning is a reality everyone needs to address. Erik and Xavier unpack the complexity, explaining why traditional policies may not be as reliable as they seem, why the financial planning around it can be so tricky, and how thinking in terms of cash flow might change the conversation entirely. Along the way, Erik lightens the mood with a surprisingly fitting analogy about chickens and eggs, reminding us that financial planning can be both practical and a little entertaining. Tune in, lean in, and be sure to share this episode with someone who may need a nudge to plan wisely for their future. Episode Highlights: Erik emphasizes why long term care matters, even for younger listeners, due to its inevitable impact on families. (01:12) Erik unpacks the challenges retirees face when fixed incomes meet rising care costs. (03:01) Xavier explains how some advisors buffer rate hikes by quoting higher premiums upfront. (04:00) Xavier shares a personal story to define long-term care as more than just insurance, it's physical and emotional support. (06:56) Xavier discusses the national costs of care and why planning for it is essential. (11:00) Erik outlines the risks of asset depletion and reduced income after losing a spouse. (13:38) Xavier explains how women statistically need care longer and why planning must consider longevity. (14:18) Erik highlights why long-term care planning must include income replacement strategies. (16:17) Xavier warns against “one-size-fits-all” insurance solutions in client conversations. (17:36) Erik uses a chicken-and-egg analogy to explain sustainable income planning. (21:53) Erik encourages listeners to focus on income streams over lump sums in planning for future care. (24:36) Xavier shares a case study about a client who prioritized legacy over self-care and why that needed to change. (25:39) Erik urges listeners to talk with aging parents now about their long-term care plans. (27:00) Key Quotes: “ As a planner, I'm always thinking about how does this affect you long term, not just today, but what happens 10 years from now? Because if we're doing your planning today, I'm still doing your planning 10 years from now.” - Xavier Angel, CFP®, ChFC®, CLTC “Even though you may not necessarily be taking direct action to solve a potential financial problem today or in the future, having the conversation about it is actually starting to solve the problem.” - Erik Garcia, CFP®, ChFC®, BFA™ “We are financial planners. We love helping people solve financial problems, and we love helping people make financial decisions that are in alignment with what is most important to them.” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Long-term care facilities face unique challenges in preventing healthcare-associated infections (HAIs) and managing multidrug-resistant organisms (MDROs). In this episode of The ICHE Podcast, Dr. Loren G. Miller (UCLA), Dr. Lyndsay M. O'Hara (University of Maryland School of Medicine), and Dr. Mary-Claire Roghmann (University of Maryland School of Medicine) share insights from their recent studies on decolonization and enhanced barrier precautions—two promising approaches for reducing infection risk among residents. They explore what the latest research tells us, where evidence gaps remain, and how facilities can apply practical, evidence-based interventions today to improve safety and quality of care. UCI SHIELD Nursing Home Decolonization Toolkit: https://www.ucihealth.org/healthcare-professionals/shield/nursing-home-decolonization-toolkit Enhanced barrier precautions to prevent transmission of *Staphylococcus aureus* and Carbapenem-resistant organisms in nursing home chronic ventilator units: https://www.cambridge.org/core/journals/infection-control-and-hospital-epidemiology/article/abs/enhanced-barrier-precautions-to-prevent-transmission-of-staphylococcus-aureus-and-carbapenemresistant-organisms-in-nursing-home-chronic-ventilator-units/43FBB459BB569B052DEDF87EA57193FB Impact of routine chlorhexidine bathing and nasal iodophor on MDRO colonization and environmental contamination in nursing homes: https://www.cambridge.org/core/journals/infection-control-and-hospital-epidemiology/article/abs/impact-of-routine-chlorhexidine-bathing-and-nasal-iodophor-on-mdro-colonization-and-environmental-contamination-in-nursing-homes/EE2288CCE486EB4822A545BFE6210BA5

Brian Skrobonja talks about one of the most overlooked pieces of retirement planning — long-term care. He explains why preparing for care isn't about being gloomy, it's about protecting your freedom and keeping control over the life you've worked so hard to build. Expect to learn how to help prepare for care costs, protect your savings, and enjoy a stress-free retirement with clarity. Tune in to hear how to create a retirement plan that covers every “what if” retirement scenario. Brian starts by explaining why long-term care belongs in retirement plans.  Long-term care is the piece that quietly shapes how much freedom you keep. Planning for it means you're ready for life's curveballs, not hiding from them. Brian reveals that if you're 65 or older, there's a 70% chance you'll need some type of long-term care. This shocking number means long-term care is a reality worth preparing for.  Brian shares what care costs today. Home health aid runs around $77,000 a year, assisted living about $70,000, and a private nursing room close to $128,000. And those are just today's numbers, not tomorrow's. Without a plan, those bills can eat through savings fast. For Brian, planning for long-term care doesn't mean you're pessimistic about life. A thoughtful plan helps keep your dreams alive even if your health changes. Brian shares Tom and Linda's retirement story. They built a solid retirement, free of debt and rich with plans. Then Tom had a stroke, and their savings began to drain by $80,000 a year. Their story proves how quickly health events can rewrite even the best financial script. How long-term care shapes your life story. Brian says care isn't just a medical issue; it's a retirement event. It can shift finances, lifestyles, and even family roles.  Brian reveals that having a strategy doesn't erase every challenge. But it stops the burden from falling entirely on you, your spouse, or your children.  Brian walks through planning choices, from paying out of pocket to using insurance. Each has pros and cons, and your goals decide what fits best. The key is to match your plan to your life, not someone else's. Brian breaks down the pros and cons of traditional long-term care insurance.  Brian reveals why Tom and Linda's story is a wake-up call. They did almost everything right, yet one stroke changed everything.  A clear plan could have protected their savings and eased Linda's load. Stories like theirs remind us that planning is love in action. Without preparation, kids can be pulled into financial and caregiving roles they never expected. A solid plan keeps their lives intact and gives them confidence to support you. Planning helps protect everyone, not just your savings. How to see long-term care as part of a full life. Brian says it's not just a health moment — it's one chapter of retirement. You can decide whether it controls your story or blends into a life well lived.  Final thoughts from Brian: He reminds us that ignoring care doesn't make it vanish. Facing it gives you choice, dignity, and calm for the years ahead. That's the gift every retiree deserves to give themselves.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify   References for this episode: https://acl.gov/ltc/basic-needs/how-much-care-will-you-need#:~:text=Someone%20turning%20age%2065%20today,for%20longer%20than%205%20years https://acl.gov/ltc/basic-needs/how-much-care-will-you-need https://investor.genworth.com/news-events/press-releases/detail/982/genworth-and-carescout-release-cost-of-care-survey-results#:~:text=The%202024%20survey%20found%20the,home%20increased%209%25%20to%20$127%2C750. https://www.healthyagingpoll.org/reports-more/report/long-term-care-are-older-adults-ready     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC. ---- Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.

Hyperthyroidism, though less common than hypothyroidism in elderly populations, poses unique challenges in long-term care (LTC) settings. In older adults, symptoms can be subtle or atypical—manifesting as unexplained weight loss, anxiety, atrial fibrillation, or cognitive decline, which may be mistaken for normal aging or other chronic conditions.   In LTC facilities, where polypharmacy and comorbidities are prevalent, the role of the pharmacist consultant is critical in identifying potential signs of hyperthyroidism, reviewing lab results, and ensuring appropriate medication management.   While levothyroxine is a standard therapy for hypothyroidism, its use in LTC requires close monitoring, especially to avoid overtreatment that can mimic or induce hyperthyroid symptoms.   Pharmacist consultants play a key role in evaluating levothyroxine dosing—considering factors like renal function, drug interactions (e.g., calcium, iron supplements), and changes in patient weight or dietary habits. In cases where hyperthyroidism is present or suspected, pharmacists assist in monitoring antithyroid medications such as methimazole or managing transitions after radioactive iodine therapy or surgery.   Their involvement ensures thyroid function is properly assessed, doses are adjusted appropriately, and adverse events—like fractures or cardiovascular risks from overtreatment—are minimized.

Send us a textHow do you truly show up for someone who's lost their spouse?Kelly Augspurger welcomes Chris Bentley, founder of Wings for Widows, for a heartfelt conversation on the early days of widowhood—when life feels blurry, overwhelming, and isolating. From “widow fog” to financial pitfalls, Chris offers real insight and practical guidance for families, friends, and professionals alike.Whether you're walking alongside someone grieving or planning for your own future, this episode offers wisdom, comfort, and direction.For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com. To explore your options for long-term care insurance, click here. Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care.Come back next time for more helpful guidance!

In this episode of Stuff About Money They Didn't Teach You in School, Erik Garcia, CFP®, ChFC®, BFA™, and Xavier Angel, CFP®, ChFC®, CLTC, tackle one of the most important yet often overlooked financial topics: long-term care. The conversation kicks off with a laugh as Erik shares how Xavier nearly got himself kicked out of a professional study group for challenging the conventional wisdom around long term care insurance. That sets the stage for a lively discussion about why this issue matters so much, even if it is not the kind of thing people want to chat about at a cocktail party. Between sobering stats about rising care costs and Xavier's candid story of his aunt currently in a long term care facility, this episode keeps things engaging while shining a light on a subject that is too often ignored. But ignoring the problem does not make it go away. With the average nursing home room now costing well into six figures annually, long term care planning is a reality everyone needs to address. Erik and Xavier unpack the complexity, explaining why traditional policies may not be as reliable as they seem, why the financial planning around it can be so tricky, and how thinking in terms of cash flow might change the conversation entirely. Along the way, Erik lightens the mood with a surprisingly fitting analogy about chickens and eggs, reminding us that financial planning can be both practical and a little entertaining. Tune in, lean in, and be sure to share this episode with someone who may need a nudge to plan wisely for their future. Episode Highlights: Erik emphasizes why long term care matters, even for younger listeners, due to its inevitable impact on families. (01:12) Erik unpacks the challenges retirees face when fixed incomes meet rising care costs. (03:01) Xavier explains how some advisors buffer rate hikes by quoting higher premiums upfront. (04:00) Xavier shares a personal story to define long-term care as more than just insurance, it's physical and emotional support. (06:56) Xavier discusses the national costs of care and why planning for it is essential. (11:00) Erik outlines the risks of asset depletion and reduced income after losing a spouse. (13:38) Xavier explains how women statistically need care longer and why planning must consider longevity. (14:18) Erik highlights why long-term care planning must include income replacement strategies. (16:17) Xavier warns against “one-size-fits-all” insurance solutions in client conversations. (17:36) Erik uses a chicken-and-egg analogy to explain sustainable income planning. (21:53) Erik encourages listeners to focus on income streams over lump sums in planning for future care. (24:36) Xavier shares a case study about a client who prioritized legacy over self-care and why that needed to change. (25:39) Erik urges listeners to talk with aging parents now about their long-term care plans. (27:00) Key Quotes: “ As a planner, I'm always thinking about how does this affect you long term, not just today, but what happens 10 years from now? Because if we're doing your planning today, I'm still doing your planning 10 years from now.” - Xavier Angel, CFP®, ChFC®, CLTC “Even though you may not necessarily be taking direct action to solve a potential financial problem today or in the future, having the conversation about it is actually starting to solve the problem.” - Erik Garcia, CFP®, ChFC®, BFA™ “We are financial planners. We love helping people solve financial problems, and we love helping people make financial decisions that are in alignment with what is most important to them.” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

On this episode of Fire Your Financial Advisor by Golden Reserve: Yelling “Uncle!” doesn’t help get your 401(k) out of a financial headlock. What are your exit ramps from a market crash? Is your retirement strategy too complicated? Sometimes boring is better. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! What happens when teachers face retirement with plans that don’t match the promises? This episode, Nolan Baker and the team at America's Retirement Headquarters explore the unique financial challenges educators encounter as they approach retirement. From navigating the complexities of pension plans and recent shifts in Social Security to understanding healthcare costs and cost-of-living adjustments, the conversation highlights the critical factors that can impact a teacher’s financial future. The discussion also touches on the importance of strategic planning—especially around investments and taxes—to help educators make informed decisions tailored to their retirement realities. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.com See omnystudio.com/listener for privacy information.

Hiring a nonmedical home care provider? One wrong move could cost you BIG time! Join our discussion to uncover the legal pitfalls you NEED to avoid! Discover the real-life examples and critical lessons from Steve Warren and George Henry Torres, II — live on Talk Law Radio!-Financial Focus:The episode centers on the importance of comprehensive financial planning, featuring insights from Steve Warren of Financial Planning HQ, an independent Registered Investment Advisor (RIA) and fiduciary. Expect practical advice on creating a written lifetime financial strategy and highlights from the book, The Art of Creating an Inspiring Financial Strategy. https://financialplanninghq.net/ -George Henry Torres, II:The show introduces George Torres and explores his journey to building River City Home Care, setting the stage for a deeper discussion on elder care and legal challenges. https://rchc.care/ Key Segments: -Alleged Abuse & Neglect:Real-life cases, including alleged abuse of an elderly person and neglect, are discussed to highlight the risks and responsibilities in home care.-Legal Blind Spots:Critical legal topics are covered, such as long-term care insurance, classification of caregivers (independent contractor vs. employee), caregiver injury, and Texas Payday Law.Why Tune In?If you care about protecting your family, your finances, and your legacy, this episode is packed with actionable insights and real stories that could save you from costly mistakes. Join the conversation live—your questions and comments are welcome! The mission of Talk Law Radio is to help you discover your legal issue blind spots by listening to me talk about the law on the radio. The state bar of Texas is the state agency that governs attorney law licenses. The State Bar wants attorneys to inform the public about the law but does not want us to attempt to solve your individual legal problems upon the basis of general information. Instead, contact an attorney like Todd A. Marquardt at Marquardt Law Firm, P.C. to discuss your specific facts and circumstances of your unique situation. Leave a legacy that makes a positive impact on people's lives Chat online at MarquardtLawFirm.com to schedule an appointment to help you create a legally enforceable last will, living trust, or tax protected inheritance plan. Tell a friend what this show is about discovering hidden legal issue blind spots like in business and estates and elder law. Today's hidden legal issue blind spot is "Citizenship." Subscribe to the Talk Law Radio YouTube channel to watch the show in four separate segments. Like & Subscribe! https://www.youtube.com/@talklawradio3421 Listen here! www.TalkLawRadio.comSee omnystudio.com/listener for privacy information.

In this powerful episode of Love Conquers Alz, Susie Singer Carter and Don Priess sit down with Neal K. Shah, visionary founder and CEO of CareYaya, a groundbreaking platform that connects families with compassionate, college-educated student caregivers. Neal shares how his personal caregiving journey inspired him to reimagine elder care, creating affordable, dignified, and deeply human support that benefits both older adults and the next generation of healthcare professionals.Together, they explore the urgent need to bridge generational divides, destigmatize dementia, and cultivate empathy in future doctors and nurses by immersing them in real-life caregiving experiences. Neal also opens up about his new book, "Insured to Death", which takes aim at the rising crisis of AI-driven healthcare claim denials and the devastating toll they take on patients and families.From stories of students forming life-changing bonds with people living with dementia, to hard truths about our broken long-term care and insurance systems, this conversation is both eye-opening and hopeful. It's a reminder that caregiving—when rooted in love, purpose, and community—has the power to transform lives.Counterforce HealthCareyaya.orgSupport the showNo Country For Old People; a Nursing Home Exposé is STREAMING NOW on Amazon Prime (https://www.amazon.com/gp/video/detail/B0F7D1RR5X/ref=atv_dp_share_cu_r) Please watch. Review. Share. Be a ROAR-ior!! JOIN THE R.O.A.R. MOVEMENT for quality long term care! Visit the No Country For Old People Website for more information.YOU CAN ALSO SUPPORT THE ABSOLUTELY CRUCIAL PROMOTION OF OUR DOCUMENTARY "NO COUNTRY FOR OLD PEOPLE" BY MAKING A TAX DEDUCTIBLE DONATION THROUGH THE NATIONAL CONSUMER VOICE HERE Follow us on Twitter, FB, IG, & TiK Tok

Insurance isn't boring—it's the foundation of your wealth plan. Most people treat it like an afterthought, only glancing at benefits during open enrollment and hoping nothing bad happens. That's exactly why so many families end up scrambling when life hits them with the unexpected.In this episode, I sit down with Maxwell Schmitz, a disability insurance and income protection expert, to rip apart the myths and excuses around insurance. We cover the psychology behind why people ignore it, the real risks you're facing, and why disability insurance is more likely to impact your life than death during your working years.We break down the most common myths:“I'm too young for that.”“I've got coverage through work, I'm good.”“Insurance is a waste of money.”Max exposes the flaws in that thinking with numbers, stories, and blunt truth. We also dive into why group plans don't cover nearly as much as you think, why cost isn't the real barrier, and how insurance fits on the defensive side of your wealth strategy.You'll walk away knowing the exact policies to check before the year ends, the one question you should be asking your advisor, and why your emergency fund is the first move if you do nothing else.This is a raw, no-BS conversation about protecting your income, your family, and your peace of mind. Watch the full episode on YouTube: https://youtu.be/aCx9zCcjhIIAs always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

Celebrate a decade of AlzAuthors with this replay of a film discussion from our first film festival! Marianne Sciucco and the AlzAuthors community gathered to discuss Susie Singer Carter's documentary series No Country for Old People, inspired by her painful but illuminating journey alongside her mother in a five-star Los Angeles nursing facility. Key Topics Behind the Film: Susie shares what drove her to make No Country for Old People, highlighting the persistent systemic crises in long-term care and her struggle to advocate for her mom within a broken system. She discusses both personal and policy challenges—from underfunding and understaffing to navigating Medicaid and family caregiver roles.Caregiving Realities: Multiple audience members and guests brought their own lived experiences—from those who have placed loved ones in care homes to those doing the daily grind at their side. Honest input covers the isolation and exhaustion of caregiving, the guilt and judgments faced, and the varied trajectories and needs of those with dementia.Systemic and Cultural Barriers: The episode reveals the complexities behind facility care: understaffing, high turnover, the business model of elder care, and how profit-driven motives can lead to neglect, overmedication, and a lack of dignity for residents.Advocacy and Taking Action: Susie announced the ROAR initiative—Respect, Oversight, Advocacy, and Reform for Long Term Care. She stresses the urgent need for grassroots collective action and oversight to drive meaningful change for people living with dementia and their caregivers. Standout Quotes from Susie Singer Carter “Love is super powerful. I think it's our greatest tool.”“Documentaries are not money makers. They are changemakers at best.”“We have a broken system... But it's so important to know what's out there and what's really happening.” Takeaways Caregiver stories are unique—what works (or doesn't) varies case by case.The importance of advocacy and family involvement doesn't end with placement in a facility; sometimes, it increases.Systemic reforms are desperately needed, and community effort can move the needle.Connection, creativity, and compassion remain vital tools in the caregiving journey. Next Up Tune in to the upcoming episode with Frank Silverstein as he discusses his short film, Lousy: Love in the Time of Dementia, and continue engaging with films that capture the real, raw, and sometimes uplifting world of dementia caregiving. Join the film festival Resources Mentioned Listen & Watch: Find film festival films, replays, and podcast episodes on alzauthors.comListen to Susie's Love Conquers Alz PodcastWatch My Mom and the Girl (short film)Watch No Country for Old People (docu-series)Get Involved with ROARSubscribe to the AlzAuthors newsletter and follow us on social media (@alzauthors on Facebook, Twitter/X, Instagram, LinkedIn, Pinterest, Bluesky). Learn about the Moderators Marianne Sciucco Christy Byrne Yates About the Podcast AlzAuthors is the global community of authors writing about Alzheimer's and dementia from personal experience to light the way for others. Our podcast introduces you to our authors who share their stories and insights to provide knowledge, comfort, and support. Please subscribe so you don't miss a word. If our authors' stories move you, please leave a review. And don't forget to share our podcast with family and friends on their own dementia journeys. Ideas and opinions expressed in this podcast belong to the speakers and not AlzAuthors. Always consult your healthcare provider and legal and financial consultants for advice on any of the topics covered here. Thanks for listening. We are a Whole Care Network Featured Podcast Proud to be on The Health Podcast Network Find us on The World Podcast Network and babyboomer.org Want to be on the podcast? Here's what you need to know We've got merch! Shop our Store

Roy Snarr specializes in asset protection, Long Term Care and retirement planning and is the host of Safe Money and Income Radio, broadcasting throughout central Texas. He is sought after nationally and helps people across the country with life insurance, long term care and guaranteed retirement income planning. Roy is a CFF (Certified Financial Fiduciary) a LACP (Life and Annuity Certified Professional) and a NSSA (National Social Security Advisor)destinations and is a proud member of MDRT: top 1% of licensed financial professionals in the United States. He is easy going, family oriented and loves meeting new people.Learn more: http://www.roysnarr.com/DISCLAIMER: I do not work for any type of government officeInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-roy-snarr-founder-of-roy-snarr-retirement-solutions-discussing-roth-conversions

Roy Snarr specializes in asset protection, Long Term Care and retirement planning and is the host of Safe Money and Income Radio, broadcasting throughout central Texas. He is sought after nationally and helps people across the country with life insurance, long term care and guaranteed retirement income planning. Roy is a CFF (Certified Financial Fiduciary) a LACP (Life and Annuity Certified Professional) and a NSSA (National Social Security Advisor)destinations and is a proud member of MDRT: top 1% of licensed financial professionals in the United States. He is easy going, family oriented and loves meeting new people.Learn more: http://www.roysnarr.com/DISCLAIMER: I do not work for any type of government officeInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-roy-snarr-founder-of-roy-snarr-retirement-solutions-discussing-roth-conversions

Roy Snarr specializes in asset protection, Long Term Care and retirement planning and is the host of Safe Money and Income Radio, broadcasting throughout central Texas. He is sought after nationally and helps people across the country with life insurance, long term care and guaranteed retirement income planning. Roy is a CFF (Certified Financial Fiduciary) a LACP (Life and Annuity Certified Professional) and a NSSA (National Social Security Advisor)destinations and is a proud member of MDRT: top 1% of licensed financial professionals in the United States. He is easy going, family oriented and loves meeting new people.Learn more: http://www.roysnarr.com/DISCLAIMER: I do not work for any type of government officeInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-roy-snarr-founder-of-roy-snarr-retirement-solutions-discussing-lifetime-income

Fecal microbiota transplantation (FMT) is a therapy that restores balance in the gut by transferring healthy bacteria, helping patients escape the cycle of repeated antibiotic failures and infections A recent clinical trial found that FMT was safe and well tolerated in frail long-term care patients, showing fewer bloodstream infections and less antibiotic use than standard care Even though transplant recipients still carried resistant bacteria, they experienced fewer serious infections, proving that restoring microbiome diversity strengthens the body's defenses against harmful microbes A national registry of 259 patients showed 90% were cured of recurrent Clostridioides difficile (C. difficile) infection after just one FMT treatment, with results lasting beyond six months FDA-approved products like Vowst and Rebyota now make FMT accessible in oral capsule and rectal forms, offering new hope for those facing stubborn gut infections