By Steve Weisman
Let's accept it... in state-of-the-art global, senior voters and their households face extra complex monetary, felony and private making plans judgements than ever before--and making the incorrect judgements will be catastrophic. during this booklet, Steven J.J. Weisman, popular property making plans lawyer and host of the nationally syndicated radio convey "A contact of Grey," provides you with functional, easy advice on each one of these matters. Written with simplicity and humor, Elder making plans uncovers recommendations and loopholes for retirement, future health care, long term care, asset safeguard, investments, taxes, social protection, housing, Medicare/Medicaid, property making plans, replacement determination, and extra. This booklet is straightforward to learn and simple to take advantage of, making it the quintessential source for a person wanting to guard themselves, their mom and dad and their heirs.
Read Online or Download A Guide to Elder Planning: Everything You Need to Know to Protect Yourself Legally and Financially (Financial Times Prentice Hall Books) PDF
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Additional info for A Guide to Elder Planning: Everything You Need to Know to Protect Yourself Legally and Financially (Financial Times Prentice Hall Books)
These requirements exceed those imposed by the law in determining a valid Durable Power of Attorney; in many instances, attorneys, including me, have found themselves going to court to obtain an order requiring the particular institution, in my client’s case, a bank, to honor the Durable Power of Attorney. The problem to a great extent has been reduced in recent years by including provisions in the Durable Power of Attorney that provide both an incentive for these institutions to accept the Durable Power of Attorney and a disincentive to deny it.
Most credit reporting agencies use a scoring system called FICO, which is an abbreviation of Fair Isaac Company, a company that provides a creditworthiness scoring system used by the major credit reporting agencies, to measure your creditworthiness. Your FICO score is used by banks and other institutions that provide credit. It is also used by many insurance companies to set the premiums for your insurance or to determine whether they will even sell you insurance coverage, such as automobile insurance.
2. org 16 A GUIDE TO ELDER PLANNING 2 SENIOR CITIZENS AND CREDIT 17 enior citizens deserve a lot of credit. Although a creditor may not generally consider your age when determining whether to grant a loan or credit, a creditor may consider whether you are close to retirement and whether you will soon be receiving less income. However, a bank is also required by law to consider any pension income, retirement account income or Social Security beneﬁts you may be receiving as income in determining your ability to repay a loan.