New Medicare Law — Loophole in Nursing Home Coverage

New Medicare Law regarding nursing home coverage. Click on headline and read more about the notices of loophole in nursing home coverage.

U.S. Citizenship Quiz by Bill O’Reilly

Test your American History and U.S. Citizenship knowledge with this little quiz. Click on the image for more..

Veteran Friendly Resources

Veteran resources and benefits — download this flyer to learn more about opportunities for Veterans

The Choice Card — Important Info

The Choice Card — VACAA Card — Read this for important information you need to know before using the card.

Veterans Choice Card — Not a Free Pass

Veterans Choice Cards offer health care options to Veterans. Learn more about the program.

Do You Know Enough to Become a U.S. Citizen?

These are the questions that the U.S. Citizenship and Immigration Service asks of those who aspire to become U.S. citizens. Test yourself and see what you know — or don’t know — about your country.

Important Phone Numbers for Veterans

Always looking for a phone number for Veterans Organizations, but don’t have it all in one place? Now you do!

Do You Wish You Could Deduct Credit Card Interest?

Shift your credit card debt to home equity debt and save money! A homeowner with $15,000 of credit card debt at 19% and sufficient equity in their home could replace it with a home equity loan at a much lower interest rate.

37 Steps to Take When Someone Dies

When a loved one dies, it’s hard to know where to start in managing the necessary details. Consider using this checklist to help you through the process.

Obama-Care 3.8% Tax on Real Estate Sales?

Have you heard that Obama-Care includes a 3.8% tax on real estate sales?

Rumors abound and misinformation dominates any mention of the topic. Read the post for facts, examples and a PDF to download.

7 Tips to Keep Your Home Safe While You Travel

The last thing you want to do while on vacation is to worry about someone burglarizing your home.

These 7 easy-to-follow suggestions may protect your home and belongings while you’re away and will add a level of serenity to your trip.

6-Point Checklist to Prepare Your Home for Sale

Before your home goes on the market, look at it through the eyes of potential buyers. In all likelihood, you’ll need to take care of these items eventually, so do them now to help it sell sooner–and for more money.

Check out the 6 points on this list and set yourself up for success.

Why Would We Need a Successor Trustee?

Why might you want a successor trustee?

Learn benefits of having one and what they can do for you.

Over the years I have had the privilege of acting as a successor trustee for many of my clients. In the case of a single person, it is more obvious why they would need a successor trustee to act on their behalf if they became incapacitated. Read on…

Do I Really Retire When I Hit the Magic Nest Egg Amount?

I am sure most of you have seen the clever ads on television where the person is carrying a large orange sign showing the exact dollar amount they need to accumulate in their retirement fund to begin their retired years in a secure status.

It would be wonderful if we could fine tune the process to come up with the exact amount of the nest egg, wouldn’t it? Read on…

Is the “A-B” Trust Split on the First Death DOA (Dead on Arrival)?

A recent article I read indicated that the need to provide for the “B” or by-pass trust on the death of a spouse might be a thing of the past for all but the super rich. (Their definition of super rich is a combined estate in excess of $10.5 million).

Most readers know the personal lifetime exemption from estate taxes is now $5.25 million dollars for each spouse, subject to annual modification for inflation. But don’t “bet the farm” on the fact that Congress, in its infamous wisdom, won’t reduce that at some time in the future. Read on…

Liability Incurred With Signing a Minor’s Driver License Application

Did you know you are liable for the harm a minor causes if you signed his or her application to drive?

How much liability in terms of dollars might you incur?
What steps can you take to limit your liability, or can you limit it?
Find out what you didn’t know about signing a minor’s application to drive — before you do it!

Is Joint Tenancy Right for You?

Pros and Cons of Joint Tenancy.

Joint tenancy has some benefits, but there are also risks to consider.

Before you decide to take title with another person in joint tenancy, read 9 examples of what could go wrong.

20 Questions About California Wills — Part 1

Learn the basics about having a will in Part 1 of 20 Questions About California Wills.

Find out what happens if you die without a will, whether a will avoids probate, when you should change your will, whether all assets go through probate and more…

20 Questions About California Wills — Part 2

Part 2 of “20 Questions About California Wills”

What is an executor?, What is a trust? What is intestacy? What is the difference between a custodian and a guardian? Find answers to these questions and more. Read on…

Services and Programs for Rancho Bernardo Seniors

Discover all of the services and programs offered by Rancho Bernardo Senior Services.