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From YouTube: Human Services: Navigating Senior Care
Description
Join us for a panel discussion of Senior Care Specialists who work in the field of Elder Law, Senior Realty, Financial Specialty and Senior Living.
A
A
Just
wanted
to
welcome
in
everybody
to
navigating
senior
chairs
we
put
this
together.
We
put
together
as
a
trusted
panel
of
experts
to
help
you
as
you
navigate
here
for
yourself
or
a
loved
one
if
it
can
be
extremely
confusing
and
overwhelming
to
do
it
on
your
own,
so
I'm
going
to
first
introduce
each
one
of
our
experts
off
to
the
left.
B
A
Here
their
line
work
and
then
invite
each
one
of
them
to
come
up
and
talk
about
what
it
is
that
they
do
and
how
they
assist
families
in
navigating
care
after
each
one
of
them
has
a
chance
to
make
their
introductions.
We
will
open
it
up
to
you
with
the
guests
to
ask
questions
that
you
have
so
I,
encourage
you
to
write
down
as
many
questions
as
you
have.
We
saw
from
a
change.
A
A
From
ebony
czar
on
navigating
seniors
here
and
funding
options,
kind
of
stuff
so
feel
free
to
look
through
that.
If
you
need
to
get
up
and
move
around,
please
do
so
or
stand
off
to
the
side
and
open
be
a
long
time
sitting
down.
We
do
ask
that
you
hold
questions,
as
the
panel
is
speaking
until
it's
time
for
that
and
I
worked
in
senior
here
and
various
role,
helping
families
and
older
adults
for
over
13
years.
So
I'd
be
happy
to
answer
any
questions
during
that
portion
as
well.
A
D
Thank
You
Rachel
thanks
everybody
I
did
pass
out
handout,
do,
does
everybody
have
one,
or
does
anybody
need?
One
goes
in
the
back
to
committee
Gil
unpromoted
book
table.
It's
that
one
right
on
your
right
there.
Next,
your
green
candy,
yes
and
I-
have
a
clicker
okay.
So
title
of
the
presentation
today
is
asset
protection.
This
is
a
notice.
This
is
just
a
disclaimer.
I
am
an
attorney.
I
have
an
attorney.
They
tell
me.
I
have
to
say
this
anything
I
say
today
doesn't
create
an
attorney-client
relationship
between
us.
D
Nothing
said
in
the
presentation
or
in
the
answering
of
questions,
constitutes
apprised
providing
of
legal
advice
to
you,
providing
this
free
seminar
for
educational
purposes.
Only
Rachel
mentioned
that
I
am
hurry
up,
counsel,
I
work
with
another
attorney,
the
founder
of
the
firm
by
the
name
of
David
Fitch.
We
both
work
out
in
the
community,
which
means
we
don't
have
brick-and-mortar
offices.
D
We
come
to
you
wherever
you
want
us
to
go
your
home,
and
this
is
the
living
facility,
nursing
home
coffee
shop,
restaurant,
whatever
is
most
comfortable
for
you
is
where
we
go
to
so
today.
My
objective
is
to
briefly
cover
because
I
only
have
20
to
25
minutes,
I've
been
told
basic
estate
planning,
paying
for
long-term
care,
asset
treatment
and
Medicaid,
but,
most
importantly,
to
answer
your
questions
and
it's
my
understanding
that
we're
going
to
hold
all
those
questions
till
the
second
hour
of
today's
presentation.
D
So
if
you
want
to
hold
those
and
happy
to
to
assist
you
as
best
I
can
at
that
time,
so
on
the
topic
of
basic
estate
planning,
everyone
here
has
something
that
they
need
to
do
to
protect
assets.
So
everyone
here
has
assets,
no
matter
how
much
or
how
little
you
all
have
some
things
that
you
want
to
do
to
protect.
So
today
we're
going
to
discuss
healthcare
directives,
powers
of
attorney
wills
and
trusts,
the
first
we'll
start
with
health
care
directives.
What
is
a
health
care
directive
who
needs
them
where
they
use?
D
Why
do
you
need
one
and
then
warning
is
related
to
health
care
directive?
So
what
is
a
health
care
directive?
A
health
care
directive
is
a
legal
document
that
gives
another
person
the
legal
ability
to
make
healthcare
decisions
for
you
when
you
can
no
longer
make
them
for
yourself.
So
that's
the
key
you're
naming
somebody
to
act
as
your
agent
when
you
can
no
longer
make
those
decisions
so
you're
in
a
coma
or
your
last
capacity.
This
is
a
person
that
a
hospital
or
medical
personnel
would
look
to
to
make
healthcare
decisions
for
you.
D
They
define
the
ways
that
you
want
to
be
treated
cared
for
during
your
life.
So,
while
your
lives
who
needs
them
honestly,
everybody
all
over
the
over
the
age
of
18
needs
them.
We
all
need
them,
no
matter
how
old
we
are
matter,
how
young
we
are
anybody
over
the
age
of
18
needs
them
the
older.
We
are
obviously
the
more
important
they
become
where
they
used
their
use.
At
your
regular
physician's
office,
they're
used
in
hospital
admissions,
they're
used
in
emergency
rooms
and
they're
also
used
place
before
you
are
traveling.
D
So
what
we
tell
clients
is
to
take
the
health
care
directive.
Take
a
copy
to
their
doctor's
offices,
keep
a
copy
in
their
glove
compartment
so
when
they
travel
put
one
in
their
carry-on
luggage,
so
if
they
are
aware
away
from
home
and
they're
in
another
state,
this
is
when
that
document
would
become
critical.
If
something
happens,
and
somebody
needs
to
make
decisions
for
you,
it
would
tell
that
medical
personnel
that
hospital
that
this
other
person
has
the
ability
to
make
those
decisions
for
you.
D
Why
do
you
need
one?
If
you
don't
have
one
and
a
medical
situation
crisis
arises?
Someone
if
you
don't
have
one
some
on
your
behalf,
may
be
forced
to
go
to
court
to
get
a
guardianship
over
you
in
order
to
be
able
to
make
those
decisions
for
you
and
most
often,
if
you
go
to
court
to
get
that
guardianship
is
going
to
be
the
person
you
would
have
named
as.
D
In
your
documents,
anyway,
but
I'm
going
to
tell
you
going
to
court
to
get
that
guardianship
much
more
expensive
than
just
having
that
health
care
directive.
Also,
your
medical
care
will
be
more
timely
if
you
have
that
document.
So
some
warnings
watch
out
thinking
that
you
have
a
health
care
directive
when
what
you
have
is
actually
a
living
will.
D
That
is
an
older
document
that
used
to
be
used
that
governed
end-of-life
decisions,
not
the
same
as
a
health
care
directive
and
no
longer
use
or
thinking
you
for
you
have
a
poll
rather
than
a
health
care
directive.
I
will
talk
about
that
in
a
moment.
So
what
you
need
to
do
more
morning
is
make
sure
that
your
health
care
directive
is
updated.
If
somebody
dies,
if
your
agent
dies-
and
you
don't
have
a
backup
agent
name,
then
you
don't
have
a
health
care
directive
any
longer.
D
D
D
That
is
a
document
that
is
given
to
you
by
your
medical
professional.
So
it
creates
standing
doctor's
orders
covering
things
such
as
do
not
resuscitate
Genet,
intubate
comfort,
intervention
and
sustaining
treatment
and
the
type
of
intervention.
So
if
you
have
a
pole,
you
still
need
a
healthcare
directive.
One
does
not
replace
the
other
poles
assigned
by
a
medical,
professional
and
the
patient
or
a
patient's
agent.
It
is
necessary,
so
next
I'll
move
along
to
powers
of
attorney.
D
So
what
is
the
power
of
attorney
power
of
attorney
governs
where
healthcare
directives
govern
anything
having
to
do
with
your
flesh?
A
power
of
attorney
governs
anything
having
to
do
with
your
financial
situation.
So
it's
a
legal
document
that
gives
another
person
the
legal
ability
to
make
financial
decisions
for
you
which,
when
you
can
and
when
you
cannot
sokar
attorney,
is
a
very
powerful
document.
It
is
valid.
The
date
it
is
signed,
you
need
to
make
sure
you
trust,
as
a
person
who
you
name
is
your
power
of
attorney.
D
Anything
where
you
would
need
to
find
your
name,
that's
not
a
healthcare
decision
who
needs
them
again.
Anyone
over
the
age
of
eighteen
needs
them
the
older.
We
are
the
more
important
they
become
and,
yes,
I
have
these
documents,
otherwise
I
would
not
be
standing
here
telling
you
to
have
them.
So
where
is
the
power
of
attorney
used?
I
am
guessing
that
Lisa
and
Maura
both
see
these
documents.
D
Quite
often
they're
used
to
thinking
of
brokerage
houses,
they're
used
it
used
in
real
estate
matters
when
they
become
really
critical
or
say
you
need
to
apply
for
government
Tonie
assistance
paying
for
long-term
care,
whatever
it
might
be,
and
you
no
longer
have
the
ability
to
sign
your
name.
You
no
longer
have
a
capacity
to
do
so.
D
Somebody
would
have
to
go
to
court
again
to
get
a
conservatorship
over
you.
That's
different
guardianship
for
your
health
conservatorship
for
your
financial
matters.
Again,
it's
much
much
less
expensive
to
have
this
power
of
attorney
incentive
to
establish
a
conservatorship,
and
your
needs
would
be
met
more
quickly,
so
warnings
again
be
very
careful
on
selecting
your
agents.
You
really
do
need
to
trust
them.
Also
keep
your
power
of
attorney
updated.
If
one
of
your
agents
dies,
you
don't
have
some
day
names
as
a
backup.
The
power
of
attorney
is
no
longer
effective.
D
You
no
longer
have
one
also
make
certain
that
you
have
what's
called
a
durable
power
of
attorney
and
what
this
means
is.
There's
a
box
on
there
that
you
can
check
that
says
that
the
document
is
defective
if
you
are
incapacitated
or
incompetent,
and
that
is
when
that
document
is
really
worth
its
weight
in
gold.
D
Minnesota
law
changed
in
January
of
2014
because
of
some
legislative
changes
in
2013.
The
new
form
is
a
statutory
or
attorney
form.
If
it's
five
pages
long,
however,
if
it
is
a
validly
executed
document,
you
take
it
into
a
bank,
the
bank
is
required
to
presume
that
is
a
valid
document,
so
they
cannot
give
you
any
problems.
With
that
document
we
brought.
We
have
run
into
some
issues.
However,
they
should,
by
law,
be
required
to
honor
those
documents,
okay,
moving
right
along
to
wills
and
trusts.
D
D
B
D
Why
should
you
have
one?
Well
if
you
want
to
have
any
control
over
how
your
assets
are
divided
after
you
die,
need
either
a
will
or
a
trust.
Perhaps
you
want
to
make
a
gift
to
a
church.
If
you
have
somebody
in
your
family
that
you
don't
want
to
get
anything,
you
need
to
have
it
in
a
will
or
a
trust,
and
we've
seen
a
lot
of
things
in
the
news
about
what
happens.
If
you
don't
have
a
will
or
a
trust.
D
This
is
what
it
looks
like
if
you
don't
have
a
will
or
trust-
and
this
is
where
the
the
one-year-old
prince
of
states
is
going
on
right
now.
This
is
what
the
judges
are
trying
to
work
through
and
figure
out,
and
what
the
attorneys
are
all
fighting
over.
This
is
what
happened
to
Prince's
estate.
So
if
you
don't
have
a
will
or
trust,
you'll
go
down
to
your
children,
you
don't
have
children
or
look
up
to
your
parents,
the
siblings,
grandparents,
aunts
and
uncles
and
then
what's
called
next
of
kin.
D
So
that
is
the
statutory
Minnesota
decides,
essentially
where
it
goes.
If
you
don't
decide
for
yourself,
so
some
warning
don't
get
caught
into
thinking
that
that
probate
is
always
bad.
I
always
tell
people,
it's
not
a
four-letter
word
having
to
go
to
probate,
isn't
isn't
the
worst
thing
that
could
happen.
There
are
times
when
a
trust
makes
more
sense.
There
are
times
that
will
makes
more
sense.
D
However,
there
are
also
times
when
I
meet
with
clients
and
I
determine
they
don't
need
either
because
things
are
titled
as
such
or
they
they
don't
have
an
advanced
way
to
pass.
The
probate
or,
like
I,
said
they're
titled
and
such
or
beneficiary
designations
or
whatever
it
might
be.
They
may
not
even
need
a
will
or
a
trust,
but
so
I'm
not
ever
going
to
try
to
tell
you
something:
I,
don't
think
you
need
just
have
you
draft
a
document
with
me,
so
the
goal
is
to
leave
a
legacy
and
don't
leave
just
money.
D
A
D
Almost
a
few
minutes
in-
and
we
should
be
pretty
good
here
so
Lisa
she's-
ready
to
talk
for
an
hour.
So
now
we'll
talk
about
the
big
elephant
in
the
room
when
you're
looking
at
facility
is
looking
at
moving
out
of
your
home
deciding
you
might
need
some
long-term
care
and
that's
the
paying
for
the
long-term
care.
D
D
Everybody
wants
200
page
here,
so
each
long-term
care
planning
area
is
impacted
by
the
condition
of
our
foundation,
so
our
planning
needs
to
be
flexible
to
adapt
to
any
changes
that
might
arise
for
most
people.
This
is
a
three
top
three
planning
areas:
they're
looking
at
housing,
they're
looking
at
healthcare
and
they're
looking
at
the
financial
requirements
for
each
of
those
and
Rachel
is
Rachel
and
Luke
could
probably
talk
more
about
the
next
part.
As
well
as
we've
been
talking
about
housing
options,
senior
housing
options
they
might,
they
may
be
able
to
state.
D
You
may
be
able
to
stay
in
your
home
own
home.
You
have
your
personal
residence,
you
might
move
into
a
family
members
home,
there's
senior
independent
living,
which
would
which
would
be
a
facility
or
an
apartment
building
that
might
not
have
any
services
that
are
provided,
but
then
there's
also
senior
independent
living
that
does
have
some
services.
So
if
you
might
need
some
assistance
with
with
bathing
or
with
even
some
just
cleaning
house,
cleaning,
cooking
meals
provided
there's
a
lot
there's
a
lot
of
different
options.
D
So
there's
healthcare
needs,
there's
factors
to
consider.
For
example,
what
is
your
current
diagnosis?
How
are
you
today
and
I
talk
to
people
I
meet
with
clients
and
I?
What
is
your
health?
What
are
your
doctor
saying?
What
are
your
kids
saying?
You
know?
How
are
you
feeling,
how
are
you
doing?
I
meet
with
50
year
old
to
polish
feel
crummy,
my
debut
this
is
out
of
control,
whatever
it
might
be.
D
Then
I
meet
with
90
year
old,
so
we're
still
living
at
home
and
they're
doing
great
they're,
just
fine
and
that's
where
they're
going
to
save
for
several
more
ears.
So
age
doesn't
matter
it's
all.
You
know
just
it's.
Where
is
where
you're
at
right
now
so
then
you
also
look
at
family
history.
You
know:
is
there
any
chronic
disease
such
as
diabetes?
Is
there
any
history
of
heart
disease
or
stroke,
and
is
there
a
family
advocate?
My
favorite
client
meeting
is
walking
into
a
meeting.
My
client
is
always
the
elderly
person.
D
That
is
my
client.
However,
the
person
who
normally
calls
me
for
an
appointment
is
most
often
as
an
adult
child
of
that
person.
My
favorite
meeting
is
when
I
walk
into
a
meeting
within
a
family,
a
family
members
home
and
every
one
of
their
children
is
around
or
it
is
around
the
table
talking
with.
They
are
all
there
they're
all
hearing
what
I
have
to
say.
They
are
all
involved
in
the
decision-making
and
and
understanding
your
mom
or
dad
or
bowles
are
at
right
now.
I
leave
those
meetings
just
so.
D
My
heart
is
just
full
of
gladness,
because
I
see
that
there
are
several
family
advocates
in
that
family
and
it
shows
that
that
they
that
they
care
and
that
they
want
a
voice
in
the
decision.
Okay,
now
on
to
the
you
know
the
Monday
in
County
financial
requirements,
how
our
financial
requirements
met
for
paying
for
that
long
term
care
wherever
it
might
be.
D
If
personal
resources
you
have
liquid
asset
non-liquid,
you
might
have
interest
a
business,
so
you
have
family
resources,
whether
it
might
be
time
in
caring
for
you
or
monetary
children,
siblings.
Other
relatives
there's
insurance
coverage,
limited
coverage
with
private
medical
insurance
and
Medicare,
and
you
know
so
maybe
some
rehab
environments
or
transitional
care
and
then
for
comprehensive,
would
be
long-term
care,
insurance
and
I'm.
Sure
Maura
would
maybe
address
that
more
so
with
selling
long-term
care
insurance.
D
C
D
The
medical
assistance,
this
government
calls
it
that
the
federal
government
called
the
Medicaid,
so
Medicaid
medical
assistance,
the
same
thing,
so
the
federal
government
calls
it
Medicaid
Minnesota
calls
it.
Medical
assistance,
elderly
waiver
came
about
I,
don't
know
many
of
you
probably
went
to
visit
family
members
in
nursing
homes.
Where
you
see
all
these
people
just
lined
up
and-
and
you
were
wondering
why
are
they
here?
They
don't
look
like
there's
anything
wrong
with
them.
You
don't
I,
don't
understand
why
they're
sitting
here
in
this
facility,
but
what
happened
was
for
a
long
time.
D
The
government
would
only
pay
for
nursing
home
care
for
people
who
needed
assistance,
so
what
Minnesota
did
was
they
applied
for?
What's
called
a
waiver?
An
elderly
waiver
allows
the
government
to
provide
assistance
for
assisted
living
facilities
as
well,
so
ewr
elderly
waiver
is
used
in
assisted
living
or
most
of
in
memory
care
units.
D
So
what
does
it
give
you
provide?
It
provides
county
assistance
to
pay
for
for
care
in
those
facilities,
so
eligibility
for
aw
I'll
talk
first
about
the
income
rules
and
I'll
play
this
much.
If
you,
if
I
had
been
giving
this
presentation
is
a
year
ago,
I
would
have
needed
a
half
hour
just
to
explain
what
I'm
going
to
explain
in
one
slide
right
now
in
July,
new
rules
came
into
effect
that
make
it
so
much
easier
to
determine
DW.
D
D
D
D
About
filling
that
hole
there,
it's
a
crazy
goal,
a
married
applicant
with
a
spouse
receiving
any
income
at
a
location.
I'll
talk
about
that
a
little
bit
more.
This
is
going
to
be
a
little
bit
confusing
because
I
am
covering
GW
in
two
or
three
slides.
This
is
normally
in
our
presentation.
Trying
to
give
you
just
a
little
bit
of
information.
I
can
address
questions
during
the
question
and
answer
section
question
as
well.
D
D
Let
my
son
spend
down
man
you're.
Reducing
the
income
dollar
amount,
you're,
reducing
the
income
to
that
dollar
amount.
If
you
are
single
and
apply
to
3w
and
you
move
in,
you
are
allowed
to
keep
ninety
seven
dollars
of
your
income.
The
rest
of
it
goes
to
the
facility
you
spend
down
to
ninety
seven
dollars.
Okay,
so
there's
a
set
rule
if
you're
married
all
marital
assets
are
considered,
regardless
of
which
spouse
owns
the
asset,
so
you
have
an
IRA
account
in
your
name.
D
Your
spouse
doesn't
have
an
IRA
account
they're,
the
one
applying
doesn't
matter.
Access
of
one
spouse
are
considered
the
assets
of
both
spouses,
so
they
are
combined
also
a
couple
of
things
well
throw
in
there
as
well.
If
you
have
a
trust
that
doesn't
matter,
if
you
have
a
prenuptial
agreement,
they
don't
care
they're
assets
of
both
of
you.
D
Rachel
wants
to
know
if
she
could
walk
by
a
Lamborghini
and
that
I
could
consider
her
car.
Yes,
it
does
not
matter
the
regards
of
value
of
the
vehicle.
Okay,
it's
also
unavailable
asset
and
a
few
different
animals
related
to
unavailable
assets
which
I
won't
get
into
today.
Couple
of
them
are
special
kinds
of
trust,
called
pool,
special
needs
trusts,
there's
also
medical
assistance
annuities,
and
what
I'll
tell
you
about
those
is
they're,
not
your
garden-variety
annuity.
D
So
if
you
have
an
Edward,
Jones,
aduit,
II
or
aspect,
that's
annuitized
that
doesn't
that's
not
the
annuities
I'm
talking
about
here,
but
I
would
to
go
through
with
you
on
an
individual
basis
and
discuss
what
those
are.
Also,
what
available
would
be
prepaid.
Funeral
policies
I
saw
that
they're
having
a
coffee
talk
here
on
funeral
planning,
where
all
the
time
talking
to
clients
about
preparing
their
funeral
and
then
also
unavailable,
would
be
any
real
estate
that
you
own
with
somebody.
Besides
your
spouse,
then
there's
countable
assets.
D
D
That's
related
to
income
I'm
going
to
go
back
and
just
talk
about
aspects.
They
don't
have
a
slide
for
aspects
okay,
but
for
assets.
If
you
are
married,
the
community
spouse
is
allowed
to
keep
one
hundred
twenty
thousand
nine
hundred
dollars,
okay
plus
the
whole
vehicle,
personal
property.
And
if
it's
the
applicants
versus
the
person
s
applying
is
allowed
to
keep
three
thousand
dollars.
Everything
else
needs
to
be
reduced.
D
These
numbers
change
annually,
so
we
will
be
tell
clients
is
don't
plan
to
the
penny,
because
what
you
value
something
and
then
what
the
county
might
committed
value.
Something
might
be
very
different.
So
we
tell
you
not
to
plan
to
the
penny
related
to
this.
So
if
you
are
single
single
applicant
to
spend
down
with
three
thousand
dollars
if
to
reduce
your
SS
or
three
thousand
dollars
before
you
can
apply
for
Tonya
system,
so
go
get
married.
Okay,
so
the
spell
impoverishment
ruled
related
to
income.
D
They
allow
for
the
community
spouse
to
keep
two
thousand
five
dollars
per
month
of
income,
provided
there's
enough
income
in
that
marital
Union,
so
pension
Social
Security,
whatever
there
might
be
if
housing
cost,
exceeds
six
hundred
two
dollars
a
month.
So,
for
example,
you
had
utility
cause
homeowners
insurance.
All
of
that
that
exceeds
to
go
to
a
month.
The
protected
income
can
reach
a
dollar
figure
of
disappoint
on
this
of
three
thousand
twenty
two
fifty
a
month.
D
That's
the
maximum
that
the
community
cells
would
be
allowed
to
keep
okay
of
the
of
the
income
of
the
the
marital
Union.
So,
for
example,
dad
is
an
applicant
with
an
income
of
twenty
three
hundred
dollars
a
month.
Mom's
income
is
only
six
hundred
a
month,
so
an
allocation
from
dad's
income
of
1405
goes
to
mom
to
get
her
up
to
that
two
thousand
five
a
month,
then
the
rest
of
dad's
income
goes
to
the
facility
to
pay
for
his
care
so
for
reducing
assets.
D
What
you
do
is
you
convert
countable
assets
to
excluded
assets,
so
a
lot
of
what
you
do
is
you
might
fix
up
that
house.
You
might
fix
up
your
homestead
if
it
needs
a
new
roof
or
there's
been
a
lot
of
maintenance.
That
needs
to
be
done.
That's
a
way
to
read
to
reduce
asset
by
converting
the
countable
assets
included
SS,
you
also
convert
countable
assets
unavailable
assets
and
that's
where
those
prepaid
funeral
policies
might
come
into
play
and
then
you
can
spend
money,
but
here's
the
warning
here
just
know
gift.
D
A
A
Their
families
and
the
professionals
in
the
industry,
Lisa
has
earned
the
following:
designation:
certified
senior
advisor
realtor
senior
advisor
senior
real
estate
specialist
and
graduate
of
the
realtor
Institute,
the
Association
of
Realtors
hires
Lisa,
to
consult
and
speak
to
other
real
estate
agents
about
how
to
better
serve
their
older
adult
clients.
Please
welcome
Lisa
Don.
G
C
G
Today's
panel
is
navigating
senior
care,
so
why
is
a
real
estate
agent
standing
up
here?
Talking
with
you,
because
I'm
not
just
any
real
estate
agent,
because
what
happens
when
you're
selling
your
home
you're
thinking
about
moving
into
senior
housing,
you're
thinking
about
how
to
sell
your
home
and
while
Teresa's
was
talking,
you
may
have
been
thinking
well,
medical
assistance
doesn't
apply
to
me.
G
Never
Say
Never
life
can
change
in
a
moment
and
the
way
that
you
sell
your
house
can
affect
your
eligibility
for
medical
assistance.
So
if
you
leave
today
with
one
thing,
there's
one
thing:
I'm
hoping
that
you'll
remember
that
their
time
to
do
the
planning
the
time
to
think
about
future
senior
housing.
The
time
to
do
the
financial
planning
is
exactly
when
you're
saying
it
doesn't
apply
to
me
the
worst
time
to
do.
G
It
is
during
a
crisis,
because
the
people
that
do
it
now
before
they
need
to
are
the
people
that
have
a
plethora
of
options
available
to
them
later.
The
people
that
neglect
this
planning,
which
let's
face
it,
that's
just
kind
of
human
nature,
to
neglect
this
planning
the
people
that
neglect
this
planning
give
what's
left
over.
They
don't
get
a
lot
of
options
and
we
see
it
all
the
time,
so
it
is
Rachel.
So
please
take
some
of
the
information.
Theresa
gave
you
and
take
advantage
of
it
and
do
some
planning
ahead
of
time.
G
That's
all
I'm
going
to
say
about
that.
So
yeah
I'm,
a
recovering
social
worker
I'm,
going
to
ask
you
to
play
a
little
game
with
me.
How
many
of
you
have
lived
in
your
homes
for
at
least
ten
years,
keep
them
up.
If
you
lived
in
your
home
for
over
20
years,
30
who's
going
to
win
40
50
45,
how
many
years
65
Becker
Oh
55
same
my
winner
is
96
years
old.
C
G
So
it's
a
little
different
skill
set
that
you
need
for
a
real
estate
agent,
which
is
why
we
specialize
in
working
with
seniors
because
there's
a
whole
different
set
of
concerns
you
have
now
than
when
you
were
30
when
you
buy
it.
Your
house
right,
okay,
so
one
of
the
things
I
want
to
talk
to
you
about
is
a
little
bit
of
housekeeping.
You've
got
this
drying
slip
in
front
of
you.
This
one
is
for
mine
and
we
don't
we
I
promise.
We
won't
sell
your
name
to
anybody.
G
It
is
for
a
dark
eyes,
we're
giving
up
for
a
manual
called
it's
your
move.
This
is
a
manual
that
we
put
together,
particularly
for
our
clients.
It
answers
some
questions
about
how
do
I
shop
for
senior
housing
and
how
do
I
shop
for
a
real
estate
agent.
How
do
I
get
my
house
ready
for
the
market
and
in
20
minutes?
I
can't
cover
everything
within
this
manual.
G
G
Surprise:
okay,
okay,
so
you
know
for
14
years,
I've
been
working
with
older
adults
and
for
14
years,
I've
spent
a
lot
of
time
and
energy
trying
to
figure
out
what
are
the
best
tools
and
what's
the
best
information
that
I
can
give
you
to
make
this
smooth
process
easier
and
less
stressful
and
I'll
tell
you
for
the
last
14
years.
My
clients
have
helped
me
figured
out
what
works
so
I'm
standing
here
today
to
tell
you,
because
my
clients
have
taught
me
this
information.
These
aren't
things
you
learn
in
real
estate
school.
G
Hgtv
is
now
where
I
would
encourage
you
to
get
your
professional,
real
estate,
information,
it's
entertainment
and
what
happens
at
HGTV.
Is
they
tell
you
all
of
the
reasons
why
you
should
do
all
of
these
really
awesome
things
to
your
home?
But
it's
not
necessarily
the
way
that
we
sell
home
and
it's
one
of
the
things
that
keeps
our
clients
stuck
in
their
home
because
they
watch
these
television
shows
and
they
think
that
they
need
to
change
the
carpeting
and
change
the
countertops
and
change
their
all
of
their
appliances.
G
C
G
C
G
Stuff
I'll
tell
you
that
the
reasons
our
clients
have
told
us
that
they
say
stuff
fall
into
three
buckets
number
one.
Is
financial
I'm
worried
about
how
long
my
money
will
last
me:
I,
don't
have
a
monthly
payments
on
my
home
now
and
now
I'm
going
to
be
moving
to
a
rental
situation
where
I
have
to
pay
rent.
What
will
that
mean
for
my
lifestyle
that
those
concerns
about
finances
are
very
real
because
that's
about
our
security?
So
that's
one
of
the
fears
that
we
hear
from
our
clients.
G
The
other
is
emotional
I,
know
what
to
expect
on
a
day
to
day
basis
in
my
home
and
now
I'm
moving
into
a
very
unfamiliar
situation
where
I
don't
know
the
people.
More
importantly,
I
don't
know
if
I
like
the
food,
where
will
we
spend
our
holidays
because,
right
now,
my
home
is
my
family
hub?
Where
will
my
kids
go
and
will
my
kids
go
where
I
go
to
visit
me?
So
the
second
bucket
is
emotional
and
the
third
bucket
is
stuff.
Stuff
deserves
its
own
bucket.
G
Those
are
the
three
things
that
happen
when
people
think
about
moving.
These
are
the
list
of
fears
that
they
come
up
with
in
their
head
and
now
that
we
have
come
up
with
all
of
these
reasons,
to
not
move
all
of
these
reasons
that
were
afraid
by
the
time
I
get
out
to
our
new
clients
homes
to
sit
down
and
have
a
consultation
with
them.
What
do
you
think
is
the
first
emotional
word
they
share
with
me
at
their
kitchen
table.
G
I
am
overwhelmed
I'm,
so
overwhelmed
I'm,
completely
paralyzed
and
I
have
no
idea
to
start
so
I'm
going
to
give
you
the
first
tip
that
we
give
our
clients
when
we're
sitting
down
to
me
with
them
about
where
to
start,
and
the
very
first
question
I
usually
ask
them,
is
what
wakes
you
up
at
night
when
you're
thinking
about
moving?
What
are
the
things
that
give
you
butterflies
stomach
up?
What
is
the
one
thing
for
some
of
us?
It's
money
for
some
of
us.
It's
that
room.
G
G
The
reason
is
different,
but
I'll
tell
you
that
if
we
went
around
and
surveyed
you
I'd
be
willing
to
bet
that
your
reasons
and
your
fears
for
being
overwhelmed
are
going
to
be
not
that
different
from
the
person
sitting
next
to
you
or
behind
you,
because
well
in
14
years,
those
reasons
haven't
changed.
So
when
we
sit
down
with
our
clients,
we
look
for
the
very
first
thing.
We
tell
our
clients,
stop
trying
to
do
everything
and
do
one
thing,
because
that
will
help
with
those
feelings
of
being
overwhelmed.
G
We
start
with
the
one
thing
you
know
the
Smithsonian.
Did
this
really
cool
experiment
called
29
Domino's?
Are
you
anybody
familiar
with
them?
They
started
with
a
domino
that
was
point
five
millimeters
high.
The
next
Domino
was
one
and
a
half
times
larger
than
that.
The
next
Domino
was
one
and
a
half
times
larger
than
that,
and
they
took
the
first
Domino
and
they
tipped
it
and
it
had
enough
energy
to
tip
the
next
terminal
and
the
next
Domino
by
the
time
they
got
to
the
29th
Domino.
G
It
was
big
enough
and
had
enough
energy
to
knock
over
the
Empire
State
Building
moving
is
the
same
way.
We
just
have
to
find
that
one
thing
to
get
the
energy
moving
forward
for
you
to
take
away
all
of
those
feelings
of
being
overwhelmed
and
for
our
clients.
What
we
do
is
help
you
identify
the
one
thing
and
we
may
even
need
to
do
it
with
you
to
get
you
started,
but
that's
where
we
start
find
your
one
thing.
G
The
next
thing
I
wanted
to
talk
with
you
about
and
warn
you
about,
is
to
get
a
real
estate
agent
involved
early.
One
of
the
mistakes
people
make
is
waiting
until
the
end
of
this
process
to
get
a
real
estate
agent
early,
because
so
many
people
think
they
have
to
clean
their
house.
Before
we
come
out
to
see
you
I
promise,
you
don't
you
know
the
people
that
think
they
have
a
lot
of
stuff
I,
never
the
people
in
think
they
have
there
not
a
lot
of
stuff.
G
It's
those
people
that
don't
think
they
have
a
lot
of
stuff
that
have
a
lot
of
stuff.
Don't
worry
about
cleaning
your
house
for
a
real
estate
agent,
we're
not
were
interested
in
your
stuff,
we're
going
to
be
looking
at
the
four
walls.
What
a
real
estate
agent
can
do
for
you
in
particular,
in
this
market,
is
save
you
money.
G
Many
people
will
talk
to
all
their
friends
and
everybody
is
a
real
estate
expert
and
get
advice
on
what
to
do
to
get
their
house
ready
and
they're
going
to
start
spending
money
on
things
that
won't
give
them
the
return
on
investment
that
they
spent.
Let
me
give
you
an
example.
Every
year
the
National
Association
of
Realtors
comes
out
with
a
list
on
the
best
return
on
investment
for
your
home.
What
do
you
think
those
two
most
important
rooms,
our
kitchen
and
bathroom,
because
who
makes
the
decisions
about
real
estate?
G
Ladies
right,
sorry
guys,
so
what
happens?
Is
people
will
start
spending
money
on
things
that
don't
give
them
a
return
on
investment?
The
report
from
the
National
Association
of
Realtors
gives
you
the
highest
and
best
rate
of
return
on
investment,
but
not
one
of
them
is
listed
at
a
hundred
percent.
So,
if
you're
planning
on
moving
in
six
months
to
a
year
now
is
not
the
time
to
remodel
your
kitchen
if
you're
moving
in
five
years
and
you
get
to
enjoy
it,
go
for
it.
G
F
G
Statistics
on
Bloomington
this
morning,
because
I
was
thinking
about
yeah.
Let
me
tell
you
what
I
found
from
January
to
this
time.
Last
year,
the
median
sale
price
in
Bloomington
was
215
thousand
dollars
from
January
to
now
of
this
year.
The
median
price
is
two
hundred
thirty
five
thousand
dollars.
That's
an
increase
of
9%,
it's
normal
for
a
median
sale
price
to
go
up
three
to
four
percent,
so
that's
significant
in
2016.
G
It
took
us
82
days
on
average
to
sell
a
home
this
year.
It
takes
54
on
average.
We've
all
heard
those
stories
where
we
put
a
house
on
the
market
on
Friday
and
by
Saturday
at
8
a.m.
we
have
13
offers
that's
a
real
and
it's
happening
every
day.
However,
when
we
look
at
some
of
the
higher
priced
homes,
those
are
going
to
take
a
little
longer
to
sell.
That's
why
these
averages
might
sound
a
little
high
to
you
compared
to
compared
to
the
stories
we're
hearing
right
54
days
now.
G
This
is
compelling
and
this
statistics,
this
statistic-
is
really
meaningful.
On
average,
when
we
talk
about
the
number
of
months
that
are
available
on
the
market,
an
average
market,
a
normal
healthy
market,
has
five
months
of
homes
on
the
market.
What
that
means
that
no
other
listings
come
on
the
market.
It
would
take
us
five
months
to
sell
everything
in
Bloomington
last
year.
It
was
one
point
six
months.
G
Anybody
want
to
take
a
guess.
What
it
is
now
is
lower.
It's
one
point,
three
months:
it's
brutal
out
there
for
homebuyers,
but
guess
what
this
means
for
you.
If
this
is
the
best
time
it
has
ever
been
to
sell
a
home.
In
fact,
a
month
ago,
I
started
talking
with
my
husband
about
selling
our
home,
because
it's
a
good
time
perfect.
It's
an
incredible
time
to
sell
a
home,
but
as
I
say
this
to
you,
there's
something
else.
G
G
But
if
there
are
those
of
you
here
who
are
thinking
about
a
move
to
a
rental
situation
or
if
you're
here
on
behalf
of
somebody
who's
thinking
about
moving
to
senior
housing,
the
market
in
senior
housing
is
very
similar
to
what's
happening
in
real
estate.
Anybody
here,
looking
for
a
two-bedroom
there's
a
waiting
list
for
those.
So
if
you're
thinking
that
you're
going
to
move
into
senior
housing
with
a
two-bedroom-
and
you
don't
have
your
name
on
a
waiting
list-
it's
going
to
be
a
while.
G
So
if
that's
your
case,
do
not
let
anybody
list
your
home
unless
you
know
exactly
where
you're
going
to
end
up
because
what's
happening
is
Rachel
and
Luke
get
calls
from
people
who
sold
their
homes
before
their
unit
is
ready
and
they
say
well,
you
ought
to
come
in
next
month
and
Luke
says
yeah,
but
your
unit
isn't
ready
yet
so
you
have
to
plan
ahead
when
you're
moving
in
this
market,
because
things
are
moving
so
quickly.
Don't
let
anybody
list
your
home
unless
you
know
exactly
where
you're
going
to
move
to
deal?
G
C
G
How
to
get
your
house
ready
so
I
told
you
earlier.
That
is
a
real
estate
agent.
We
don't
learn
these
things
in
real
estate.
School
I
learn
these
from
our
clients
from
moving
hundreds
and
hundreds
of
older
adults,
both
into
senior
housing
and
seniors,
who
are
health
or
downsizing,
and
one
thing
I
know
is
because
of
these
wonderful
shows,
like
HGTV.
A
lot
of
our
clients
think
that
they
need
to
spend
a
lot
of
time
getting
their
home
ready.
G
G
How
do
you
want
to
move
and
what's
important
to
you
and
what
are
your
goals?
When
would
you
like
to
move,
and
how
would
you
like
this
move
to
go
and
in
this
market
it's
been
never
been
a
better
time
to
start
with
those
questions,
we
start
with
what
your
goals
are,
and
if
your
goal
is
to
not
do
a
darn
thing
to
your
house,
you
get
to
decide
that
and
then
it
is
your
real
estate
agents
job
to
follow
through
with
what
your
goals
are.
G
It's
not
your
job
to
remove
the
wallpaper
just
to
make
your
real
estate
agents
job
easier.
Ok,
so
we
start
with
your
goals
and
what's
important
to
you,
the
best
way
to
get
your
home
ready
for
the
market.
This
is
worth
the
price
of
admission
today
if
it's
broken
fix
it.
If
it's
dirty
clean
it
and
that's
about
it,
I'm
not
talking
about
countertops
I'm,
not
talking
about
carpet
I'm,
not
talking
about
wallpaper.
G
Now
in
Bloomington,
you
have
the
pleasure
of
having
a
truth
and
housing
inspection
done
so
many
of
those
items
you
will
once
we
have
done
prior
to
the
sale
of
your
home.
However,
Bloomington
does
have
a
contingency
plan
in
place
where
you
can
ask
the
buyer
to
take
responsibility
for
those
items,
but
you
don't
want
so
you
wouldn't
even
have
to
do
that.
G
All
right,
I
know
that
I
know
things
are
swimming
around
in
your
head
and
I
wish.
We
have
time
for
questions
now.
All
right,
so
I've
got
one
more
points.
I
want
to
make
you.
There
are
two
things
that
people
most
commonly
make
a
mistake
with
when
they
go
to
hire
a
real
estate
agent.
What
do
you
think
the
two
most
common
questions
are
when
people
go
to
interview
a
real
estate?
What
are
the
two
things
people
want
to
know
from
a
real
estate
agent,
commissioner,
what
do
you
charge?
G
What's
your
commission
rate
and
well,
what's
the
sale
price
of
my
home
going
to
be
two
most
common
questions?
People
start
with
I.
Don't
think
you
should
start
there.
If
you
ask
me
what
my
Commission
is
in
I
saw
yeah
one
percent,
but
I
just
got
my
license.
Last
week
and
I
haven't
sold
any
homes,
I
don't
have
any
experience
in
negotiating,
and
then
you
have
no
idea
how
to
market
your
home,
but
I'll
charge
you
1%
when
it
sells.
G
So
that's
why
I
make
a
video
No
so
I'm
going
to
give
you
some
advice
on
how
to
interview
a
real
estate
agent,
because
this
is
something
else
that
attempts
to
get
people
a
lot
of
trepidation,
because
the
real
real
estate
industry
hasn't
exactly
done
a
very
good
job
of
being
very
transparent
about
a
lot
of
these
things.
So
these
are
secret
hints
that
are
now
going
to
be
videotaped
and
put
on
cable
TV.
So
here
we
go
here
we
go
when
you
hire
a
real
estate
agent.
G
C
G
Is
not
the
time
to
hire
your
cousins
best
friends,
neighbors
son,
because
they
discuss
it
real
estate
agent.
We
deserve
to
have
somebody
who
knows
what
they're
doing
make
sure
they're
full-time
and
they're
professional.
Secondly,
you
have
to
like
them
and
trust
them.
This
is
going
to
be
somebody
who's
going
to
be
representing
you
in
the
sale
of
a
pretty
large
asset.
So
listen
to
your
intuition,
you
know
if
you
can
work
with
this
person
or
not.
G
Thirdly,
any
real
estate
agent
that
you
hire
is
going
to
come
marching
into
your
home
out
of
your
dining
room
table
and
they're
going
to
have
all
of
these
really
fancy
marketing
materials.
One
of
the
things
you
should
be
looking
for
is
to
be
sure
that
they
hire
a
professional
photographer
if
they
show
up
to
your
home
with
their
cell
phone
and
start
taking
pictures,
send
them
packin,
because
one
of
the
most
important
things
that
we
do
is
market
your
home
on
the
Internet.
G
Then,
after
you
look
through
all
their
marketing
material,
you
understand
their
full
time
and
you
like
them
well
enough.
I
think
it's
time
to
ask
them
how
effective
they
are,
doesn't
matter
how
pretty
their
marketing
materials
are.
They
better
know
what
they're
doing
so
of
the
interview
questions
and
some
of
more
of
the
interview
there
isn't
a
smooth
manual
but
I'm
going
to
give
you
the
best
ones.
Now
one
is
how
many
homes
have
you
listed
in
the
last
year.
G
G
G
Another
question
to
ask
them
is
of
the
listings.
You
took
this
year
how
many
didn't
sell
and
why
didn't
it
sell
because
it
better
be
in
this
market.
It
better
be
a
pretty
darn
good
reason
why
any
agent
isn't
selling
100
percent
of
their
listings.
Would
you
agree,
put
a
sign
in
the
yard
in
the
thing
self
it
may
be,
because
the
homeowner
they're
working
with
decided
to
list
it
150
thousand
dollars
too
high,
or
something
like
that
and
that's
beyond
the
agents
controlled.
G
Certainly,
but
you
want
to
know
what
their
statistics
are
now
laughter,
you
have
all
of
that
information.
You
know
them
you
like
them.
You
like
their
marketing
they're,
going
to
hire
professional
photographers,
for
you
know
you
can
ask
them.
What
are
you
going
to
charge
me
and
now
you
can
ask
them:
what's
the
what's
the
good
sale
price
for
my
home
I
think
it's
a
good
idea
to
interview
two
real
estate
agents,
the
list
price
they
give.
You
should
be
pretty
close,
it's
not
an
exact
science,
they
won't
be
perfect,
but
they
should
be
close.
G
A
We'll
have
time
for
questions
after
we
have
our
last
speaker
here
and
I
was
just
thinking
as
Lisa
was
talking
and
she
asked
about
those
drawing
slip.
Martin
Luther
campus
would
be
very
happy
to
provide
a
gift
certificate
for
a
drawing
with
our
zippy
Soldado
so
and
I
think
you
grab
my
sheet
with
my
ear.
All
your
wonderful
information
about
Maura
I
mean
I'd
like
that.
A
To
hear
all
right,
okay,
lastly,
we
have
Maura
Albrecht
Maura
is
the
president
and
client
advocate
for
financial
wellness
for
you
LLC.
She
works
with
clients
in
their
home
to
guide
the
financial
decisions
surrounding
retirement
and
aging
issues
many
will
face,
while
enabling
them
to
maintain
their
privacy
and
independence.
Her
goal
is
to
assist
successful
aging
by
guiding
the
financial
decisions
of
those
facing
the
increasing
challenge
of
maintaining
their
standard
of
living
and
the
uncertainty
of
outliving
their
income
whatsoever
from
the
plunge.
H
H
So
I
talk
a
lot
about
financial
wellness,
I,
look
at
our
financial
health
as
important
as
our
physic
and
our
physical
and
emotional
health.
So
why
do
I
need
it?
How
do
I
get
it?
If
it's
that
important,
we
all
want
it
right
and
how
is
that
going
to
benefit
my
life
or
my
family?
So
I
like
to
start
with
the
awareness,
an
awareness
of
my
financial
health
has
to
do
with
what
do
I
have
and
what
does
it
mean
to
me
not
what
it
means
to
mr.
H
Work
primarily
with
older
adults
when
I
get
called
it
oftentimes
it's
by
an
adult
child,
sometimes
by
the
senior
themselves,
when
we
get
overwhelmed
with
paperwork
with
bills,
with
financial
statements,
it's
isolating,
it's
frustrating
it's
that
overwhelming
feeling.
Lisa
was
talking
about
that
prevents
us
from
moving
forward.
So
we
try
to
start
addressing
some
of
those
things.
I
love
this
slide.
My
dad
ran
a
company
for
30
years
on
a
yellow
legal
pad.
There
were
computers.
He
said
they
were
a
fad.
H
We
would
say,
as
we
were
growing
up
but
Dad
there's
such
an
easier
way
and
you
said:
I've
never
used
one
I,
don't
want
one
stop
trying
to
do
this,
and
yet
we're
bombarded
every
day
with
financial
programs
that
is
supposed
to
help
us
manage
our
finances
and
oftentimes.
There's
a
disconnect
between
parents,
all
of
us
adults
and
our
children
about
who
should
manage
our
finances.
My
dad
again
looked
at
me
me
said
all
I
see
is
a
17
year
old,
snotty
girl
that
wants
some
money.
H
H
How
are
we
going
to
use
investments,
who's
going
to
control
them,
and,
most
importantly,
is
how
is
my
money
going
to
be
used?
It
better
be
the
way
I
want
to
use
it,
and
all
of
these
factors
lead
to
stress
again.
We
are
Minnesota
Knights.
We
are
passive,
aggressive
and
I'm
here
to
tell
you,
every
family
has
a
dynamic.
We
just
do.
Some
of
those
stressful
factors
are
important
documents.
Theresa
talked
about
wills
and
trusts
financial
power
of
attorney
health
care
directive.
We
need
those
documents
in
a
crisis.
H
We
want
to
know
where
they
are
prior
to
that
crisis.
Our
my
professional
resource
is
documented.
This
is
very
important,
who
are
the
professionals
in
your
life
I'll,
throw
myself
under
the
bus
when
I
was
much
younger
and
my
kids
were
much
younger.
My
accountant
used
to
write
on
the
bottom
of
my
tax
return.
Did
you
do
your?
Will?
It
wasn't
because
I
had
a
lot
of
stuff.
It
was
because
I
had
three
young
children
and
if
something
happened
to
me
or
my
husband,
somebody
needed
to
take
care
of
them
as
we've
moved
through
life.
H
My
accountant
needs
to
know
my
attorney,
who
needs
to
know
my
investment
person,
because
all
of
those
professionals
in
our
life
need
to
work
together
as
we
age.
The
big
question
can
I
maintain
my
standard
of
living
can
I
continue
to
spend
what
I'm
spending
today
all
the
way
to
my
death.
Well,
I
outlive
my
financial
resources.
We're
living
longer
do
I
have
enough
for
many.
As
can
I
maintain
my
financial
independence.
H
Meaning
can
I
continue
to
control
my
income,
my
expenses,
the
bills
that
are
coming
through
and
the
daily
decisions
that
need
to
be
made
with
those
do
I
want
to
and
living
lighter.
It
increases
our
chances
of
experiencing
poverty
96
years
old
is
a
real
average
for
a
lot
of
the
clients.
I'm
working
with
I
met
with
a
gentleman
yesterday
and
he
said
95
and
six
months.
This
is
a
norm.
H
92%
of
those
over
age,
65
are
receiving
Social
Security
50%
of
that
population
would
be
living
at
the
poverty
level.
Without
that
Social
Security
income.
It's
significant.
We
have
a
greater
experience
chance
of
experiencing
health
related
issues.
It
was
beautiful.
Yesterday,
it's
rainy
this
morning.
My
knees
don't
feel
the
same
as
they
did
20
years
ago,
when
I
get
out
of
bed
we're
facing
an
increase
in
care
cost
again,
if
I
need
help
getting
in
and
out
of
the
shower.
That's
going
to
there's
going
to
be
a
financial
impact.
H
Health
and
independence
often
requires
long
term
care,
meaning
someone
to
help
with
those
daily
cares
that
we
have
so
how
do
I
get
it?
It's
stressful,
it's
overwhelming
many
of
us
want
to
ignore
any
of
it.
So
how
do
I
get
it?
I
use
the
analogy
as
the
doctor,
so
we
address
our
physical
health,
hopefully
we're
addressing
our
mental
and
emotional
health,
but
we
don't
ever
want
to
talk
about
our
money.
We
don't
want
to
talk
about
the
inflows,
the
outflows
so
I'm
saying,
let's
put
it
on
the
same
plane.
I,
don't
wait
till
my.
H
My
limb
is
hanging
to
go
to
the
doctor.
I
talk
about
it.
Much
before
then
being
financially
well
is
meaning
having
an
awareness
of
what
I
have
what
it
means
to
me.
It's
an
identification
process.
What
do
I
have
beyond
myself
and
then
it's
coordination
with
the
professionals
in
your
life
and
community.
H
What
do
I
have?
What
does
it
mean
in
dollars?
I
meet
with
a
lot
of
people
that
will
say
well,
there's
money
in
the
bank
or
there's
money
in
the
investment
account,
but
I
have
no
idea
what
that
means
to
me
on
a
daily
basis.
How
long
is
it
going
to
last
if
I
continue
to
draw
$5,000
from
my
accountant
when
do
I
run
out
where's
the
red
light
identification
of
income
sources?
H
H
Finally,
but
we're
also
responsible
for
withholding
the
taxes,
getting
them
submitted
and
figuring
out
what
that
net
income
is
that
we
have
to
live
on
for
many
of
us
there's
pensions,
there's
social
security
income,
it's
having
an
understanding
of
the
investments
that
you
hold
and
what
kind
of
income
can
be
produced
from
them.
Savings
in
our
home.
C
H
What
I
encourage
people
to
do
is
say
what
is
it
cost
for
you
to
walk
out
the
door
every
day,
because
there
is
a
there
is
a
cost
to
us.
Waking
up
eating,
breathing
and
heading
out
for
the
day.
Those
are
the
numbers
we
need
to
identify
those
follow
us
everywhere,
whether
we're
living
in
our
own
home
and
it's
paid
for
or
we're
living
in
a
community
medical
prescription,
drugs
insurance.
These
are
all
areas
that
we
know
are
increasing.
H
H
So
Minnesota
we
are
giving
people
I
love
it,
but
when
you
are
giving
more
than
you're
bringing
in
because
you
never
looked
at
it
and
adjusted
it,
we
have
a
problem
so
we're
keeping
an
eye
on
that.
The
big
question
we're
asking
is:
is
there
a
gap
to
have
a
gap
between
what's
coming
in
and
going
out
when
income
and
expense,
and
how
am
I
going
to
address
that?
So
we
look
at
portfolio
review,
you
guys
are
safe.
My
background
is
in
investment
planning,
I
sell,
nothing.
H
I
got
nothing
to
sell
you're
good,
but
we
do
want
to
look
at
it.
We
want
to
look
at
it
and
do
an
overall
analysis
and
say:
is
it
supporting
my
lifestyle?
Can
I
be
doing
something
different?
We
want
to
identify
beneficiaries,
beneficiaries
on
our
retirement
accounts,
on
our
life
insurance
and
from
some
of
our
annuities
is
the
way
the
money
is
going
to
transfer
at
our
death
you're
dead.
H
You
don't
get
to
come
back
and
say:
I
didn't
mean
that
and
I
say
that,
because
I
see
many
policies
where
we
have
X
pulses
and
every
time
I'm
like
wow,
you
must
really
love
your
ex-husband
and
the
answer
is
always
we're
divorced
Fiza,
but
he's
still
the
beneficiary
on
your
policy.
So
those
have
to
be
changed
by
you.
Looking
at
titles
Teresa
touched
on
some
of
the
estate
planning.
H
We
can
do
some
transfer
on
death
titles
that
helps
the
money
go
from
yo
you
and
your
living
to
exactly
where
you
want
it
to
go
in
your
past.
The
allocation
review
again,
if
I,
if
my
sole
purpose
in
my
investment
is,
is
keeping
what's
there
and
earning
some
income.
I
want
to
be
certain
that
I'm
talking
to
my
investment
professional
about
that
and
about
how
much
I
need
that
goes
into
the
risk
reward
and
the
tax
impact.
Again
this
tax
day
we
saved
money.
H
H
Your
accountant,
I
want
to
know
about
your
financial,
professional
and
I
want
to
know
who
your
attorney
is
again.
All
of
these
people,
working
together
towards
your
financial,
health,
insurance,
agent
and
coverage
again.
I
can't
tell
you
the
number
of
times
I
find
policies
that
were
paying
on
and
we
don't
own
the
car
or
the
cabin
anymore
bank
accounts.
I
laugh.
We
have
an
operating
account
in
our
household
and
then
we
have
two
separate
accounts
and
those
are
separate.
Nobody
gets
to
ask
what's
in
there.
H
There
is
most
of
us
have
them,
but
there
is
a
time
for
consolidation
so
having
an
understanding
of.
Where
is
the
money
going
into
oftentimes?
We've
got
Social
Security
being
deposited
a
pension
being
deposited,
but
we
have
money
in
another
account
really
important
to
know
how
those
transfers
are
working
in
and
out
safe
deposit
box.
We
still
have
them.
Please
tell
somebody
where
the
key
is.
Please
write
down
what's
in
it
because
of
your
health
care
directive
and
your
financial
power
of
attorney
are
sitting
in
your
safe
deposit
box.
H
It
helps
no
one,
those
are
documents.
We
need
a
copy
of
rape
but
but
know.
What's
there
again,
Theresa
went
over
the
trust,
the
will
power
of
attorney
health
care
directives,
everyone
over
the
age
of
18.
They
are
not
sexy,
they
are
not
fun.
All
three
of
my
girls
are
over
18.
They
all
got
them
for
their
birthday
and
let
me
tell
ya:
it
was
not
a
great
birthday
present
other
than
the
occasions
that
we've
had
to
you
them,
because
if
they
are
out
of
town
so
really
really
important,
those
are
living
documents.
H
The
coordination
is
so
important.
You
guys
are
not
alone
in
this.
You
have
you've
accumulated
professionals
over
your
life,
get
them
all
on
the
same
table
that
it
takes.
A
village
is
a
very
true
statement,
know
who
those
are
and
know
where
the
sources
of
income
come
from.
It's
personal
I
get
that,
but
if
the
kids
don't
know
what
account
the
money
comes
in
and
out
of,
or
your
professional
doesn't
partner
them
to
help
when
they
need
to
have
a
conversation
with
your
family
or
your
designated
person.
Your
advocate,
where
are
the
important
documents?
H
If
I
can't
do
it?
Who
do
you
want
to
do
it?
Because
I
promise
you
90%
of
the
time
it's
going
to
be
the
kid
that
lives
closest
that's
going
to
take
over
the
checkbook?
It
does
not
mean
the
kid
that
lives
closest
is
the
best
person
to
take
over
the
checkbook,
so
be
aware
of
that.
Have
that
discussion?
It's
not
a
surprise
and
then
who's
going
to
help
coordinate
the
professional
resources
to
make
the
whole
system
work,
identify
that
person
in
your
life
I
work
with
families
to
help
them
get
the
pieces
together
mm-hmm.
H
So
how
is
financial
health
going
to
benefit
my
life
in
my
family?
As
these
are
my
ladies
I
love,
these
I
swear,
sometimes
I.
Just
look
at
them.
Cause
they're,
fun
I
want
to
stress
the
importance
of
kind
of
a
mind.
Shift
planning
for
retirement
is
very
different
than
planning
in
retirement,
very
different
approaches,
and
you
need
to
make
that
switch
when
the
time
comes,
the
meaning
of
retirement
is
changed,
it's
no
longer
a
fixed
date,
rather,
a
dynamic
state
affected
by
inflation,
longevity
rising
healthcare
costs
and
many
other
variables.
H
So
what
do
I
get
if
I
do
all
of
that
right?
Peace
of
mind
sees
of
mine
that
I've
got
my
ducks
in
a
row.
I
have
choice.
I
have
control
of
where
I'm
going
when
I
have
an
understanding
of
what
it
cost
me
here
and
what
it
might
cost
me
over.
There
I've
got
choice
in
control.
It's
a
reduction
in
stress!
Oh
my
word,
it's
like
it's
done.
It
reduces
the
burden
for
others.
We
don't
know
what
you
want.
If
you
haven't
told
us,
it
reduces
the
potential
for
conflict
again,
believe
it
or
not.
H
Minnesota
nice.
We
have
family
dynamics
from
some
of
them,
not
so
pretty
so
so,
and
it
improves
quality
of
life
if
I
can
get
up
every
day
and
know
where
I
am
and
head
out
for
the
day
being
confident
in
what
I'm
doing
my
my
financial
health,
mine,
overall
well-being
is
better.
So
we're
going
to
open
up
your
questions.
A
A
D
The
first
question
is
it's
like:
what's
the
health
care
directive?
Yes,
it
is
I
believe
a
line,
a
uterus
art
form.
Yes,
it
is,
it
is
most
often
used
within
their
systems.
So,
yes,
it
is
a
health
care
directive
that
is
used.
What
I
find
with
the
five
wishes
health
care
directive
is
that
it
it's
pretty
lengthy.
D
So
a
lot
of
people
say
yes,
I
have
a
healthcare
directive,
but
it's
not
filled
out
because
there's
a
lot
in
that
document,
a
lot
of
decisions
to
be
made
and
it's
more
specific
to
that
health
care
system,
so
the
ones
that
we
draft
our
honestly
three
pages
long.
We
don't
need
to
fill
a
lot
of
stuff
in
and
it's
there
broadly
accepted
five
wishes
is
just
fine
with
an
s-line,
a
healthcare
system
bell.
So,
yes,
it
is
a
health
care
directive
as
long
as
you
fill
it
out
and
have
it
completed,
and
then.
I
D
Question
is
whether,
when
I
was
talking
about
the
excluded
assets
for
medical
assistance
purposes
for
one
vehicle,
that
is
whether
it's
just
for
a
married
couple
or
if
it's
also
for
a
single
applicant
one
vehicle,
regardless
of
value,
can
also
relate
to
a
single
applicant.
As
long
as
that
vehicle
is
being
used
for
the
benefit
of
that
applicant.
So,
for
example,
an
adult
child
may
be
driving
that
that
applicant
to
a
medical
appointment
or
desserts
or
to
lunch
or
open
about
that
that
one
vehicle
is
still
excluded
for
drugs.
The
value
you.
J
D
D
D
The
question
related
to
a
health
care
directive
is:
where
can
you
find
one
as
a
recent
Department
of
Commerce
might
have
one
on
many
of
the
hospital's
have
one?
We
obviously
have
one
that
we
use,
and
the
question
was:
how
is
it
filled
out
as
long
as
it's
filled
out
and
it's
either
witnessed
by
two
people
that
are
not
named
as
agents
on
the
document
or
one
notary,
so.
D
Second,
question
was:
do
doctors
have
them
sometimes?
Sometimes
they
have
like
I
know.
The
five
wishes
is
often
handed
out
within
the
Allina
medical
system.
Sometimes
doctors
have
them
as
a
us,
your
specific
doctor.
They
probably
do
not
have
it
sitting
in
their
office
in
their
hands.
They
might
have
one
otherwise
I
have
found.
I
have
googled
health
care
directives.
I
found
one
may
be
different
for
commerce.
I
have
found
several
out
there.
Oh
yes,
baby
juices,
make
sure
it's
Minnesota
health
care
directive.
J
B
D
B
D
D
D
D
Will
is
a
document
that
used
to
be
used,
I'll
answer
that
first,
you
used
to
be
used
as
part
of
your
well
I
know
my
parents,
who
put
me
back
when
maybe
40
years
ago
had
those
as
part
of
their
wealth.
That
was
a
document
that
honors
the
generous
educator.
They
do
not
intimate
those
end-of-life
decisions.
If
you
have
a
pole
that
is
more
recently
executed
since
that
living
well,
I
would
argue
that
the
pulse
is
now
valid.
D
That
would
be
because
it's
more
recent,
a
health
care
directive
and
a
pulse
actually
worked
interchangeably
because
the
health
care
directive,
the
only
part
of
the
health
care
directive
that
is
legally
binding,
okay,
I'll
say,
is
the
person
you
name
as
an
agent.
So
you
might
say
you
don't
want
you
don't
want
to
be
resuscitated
or
you
don't
want
to
be
fed
with
the
feeding
tube
or
you
don't
not
want
whatever,
but
your
agent
the
person,
your
name
is
that
agent
can
decide
to
do
whatever
they
want.
D
It's
just
telling
that
agent
what
you
want
there
is
flooding,
then
agent,
no
your
wishes,
so
the
where
the
health
care
directive,
the
part.
That's
legally
binding
is
the
first
new
name.
Is
your
agent,
a
pulse
you
know
assigned
with
doctor's
orders
those
two
an
act
interchangeably
whole
the
brighter
orders
for
life-sustaining
treatment.
That
would
control
I
mean
that's
something
you
want
to
have
on
your
refrigerator.
D
D
L
J
D
And
listened,
that's
exactly
it!
So
what
I'll
reiterate
the
statement
you
made,
which
is
what
I
was
saying
regarding
health
care
directives,
is
yes,
it
is
important
not
just
to
have
the
documents
but
to
have
that
important
conversation
with
the
people,
you
name
as
your
agent
as
far
as
what
your
wishes
are.
Do
you
want
like
painting?
You
want
extraordinary
measures,
just
keep
you
alive
or
not.
Essentially,
you
know
you
go
too
close.
Okay,
sorry,
no.
D
God
the
question
is:
I:
have
documents
in
another
state?
Are
they
valid
in
the
state
of
Minnesota?
Maybe
what
I
always
recommend
to
people
my
plans
to
move
to
another
state,
because
I
recommend
that
they
need,
with
an
attorney
from
that
state
just
to
have
them
reviewed
to
make
sure
that
their
wishes
would
be
carried
out.
Some
estates
are
community
property
states.
Minnesota
is
not
a
community
property
state,
I
can't
name
them
all
off.
The
top
of
my
head,
attorneys
are
most
often
license
in
one
state.
J
D
Answer
the
question
kind
of
even
more
broadly
than
of
a
bass.
The
question
was:
how
often
should
health
care
directives
and
powers
of
attorney
be
updated?
I
recommend
a
review
even
with
my
youngest
clients,
every
five
years,
or
so
they
do
a
review
of
your
will
trust
health
care
directive
power
of
attorney
see
if
circumstances
have
changed,
you
might
have
a
child
that
now
has
a
disability
issue
or
some
substance
abuse
issues
you
might
want
to
make
some
changes.
N
D
The
question
is
related
to
a
parent
who
might
be
living
with
you
wanting
to
provide
something
as
a
thank
you
for
allowing
them
to
live
there
as
part
of
their
spent
down.
There's
a
couple
of
ways
to
address
that
scenario.
First
off
just
giving
you
the
money.
No,
they
can't
just
give
you
the
money.
If
that
bastard
is
there
living
with
you
in
your
bathroom,
these
three
remodel
so
that
they
can
use
it
while
they're
living
there,
that's
just
fine.
D
They
could
pay
for
that
bathroom
remodel
because
it's
too,
so
that
your
home
can
be
suitable
for
them.
Otherwise,
if
they're,
if
you
are
hoping
to
have
them
live
there,
and
they
would
like
to
provide
something
to
help
you
in
your
way
of
your
expenses,
there's
something
called
up.
Well,
you
can
either
do
a
lease
with
your
mom
to
have
her
live
there,
a
validly
executed
least
where
you
you
take
funds,
and
you
report
that
rent
as
income
and
then
or
if
you're,
providing
services
for
your
mom
as
well.
D
Do
something
call
the
personal
services,
contract
and
they're
kind
of
specific
creatures.
Again,
if
you're
providing
personal
services
for
your
mom-
and
you
do
certain
things
for
her-
that
would
cost
money
in
the
community,
you
will
get
services
different
ways
to
go:
get
quotes
in
the
community
for
what
them
costing
you
to
a
contract.
K
C
C
G
The
home,
the
home,
where
you
live
now,
the
price
will
largely
be
determined
by
the
neighborhood.
The
amenity
is
the
location,
the
school
district,
the
price
point
of
the
neighboring
homes,
all
of
those
things
go
into
the
value
of
your
current
home
and
in
addition,
where
you're
moving
to
well
also
whether
you're
purchasing,
certainly
the
price
will
be
determined
by
location
and
the
rent
costs
are
also
largely
determined
by
the
location
if
you're
moving
into
senior
housing.
Did
that
answer
your
question?
Okay,.
F
K
F
D
D
C
D
Will
tell
you
that
elder
law
services
does
not
offer
a
free
consultation,
because
what
we
do
is
most
often
medical
assistance
planning.
So
we
do
the
wills
trusts,
healthcare
directives,
powers
of
attorney
always
with
our
eye
towards
having
to
apply
for
county
benefits
at
some
point
potentially.
So
in
that
realm
of
practice,
if
we
provided
initial
consultations
for
free
most
often
our
readings
are
an
hour,
and
that
is
all
that
we
ever
do
with
the
client.
So
we
do
not
provide
essential
consultations
free
of
charge.
D
B
O
Trees
have
a
question
for
you
on
in
regards
to
qualify
for
medical
system
systems.
The
asset
rule
is
so
I
thought,
there's
a
clawback.
So
if
you
have
what
they
have
a
couple
and
one
of
them
qualifies
for
medical
assistance
or
the
other
stays
in
the
original
house,
is
it
true
that,
if
that
applicant
that
died,
that
the
kind
of
stable
actually
clawback,
the
medical
assistance,
what
funds
that
they
receive
from
the
estate?
But
once
everyone's
tests
will
local
faucet
pass
and
then.
D
Make
that
tiffany
the
question
is
related
to
what
happens
when
a
spouse
has
received
medical
assistance
and
there
was
a
home
involved
in
the
relationship.
Is
there
is
called
the
state
recovery
for
that
medical
assistance?
Yes,
there
is,
it
will
leave
yes,
eventually
the
state
will
get
their
share.
There
are
some
techniques
to
to
make
sure
that
happens,
the
furthest
down
the
line
as
possible,
but
so
often
times
it's
the
applicants.
D
Spouse
is
going
into
a
facility
and
if
it's
possible,
we'll
put
the
name
and
not
community
spouses
they're
both
with
the
home
and
the
community
spouses
name
only
so
then
it
is
once
the
applicant
is
on
medical
assistance.
The
community
cells
that
wants
to
sell
the
home
they
can
do
that
and
that
money
doesn't
depend
is
qualify
their
spouse
for
medical
assistance.
However,
once
that
is
the
applicant
small
size
and
in
the
community
folks
later
guys,
yes,
they
will
take
a
look.
D
K
D
Question
is
which
document
I
recommended
put
on
your
fridge
is
called
it's
the
pole
and
it's
normally
canary-coloured.
This
is,
and
it
often
goes
goes
on
your
fridge
and
that's
the
document
that
if
emergency
personnel
need
to
come
into
your
home,
they
will
see
what
do
you
want
to
be
resuscitated
or
not
for.
K
D
D
D
D
Question
was:
is
there
another
document
that
should
be
posted
on
your
fridge,
not
necessarily
the
healthcare
directed?
You
just
need
to
make
sure
that
it's
on
file
at
the
hospital
that
your
agent
actually
has
a
copy
of
it,
so
that
they
can
prove
to
the
hospital
or
to
the
professional
that
they
do
have
a
say
in
what
you
want.
D
B
E
F
D
The
question
is
related
to:
if
you
decide,
you
want
to
give
$100,000
to
your
tips
before
you
die.
Are
there
gift
tax
implications
related
to
that
great
now,
with
the
Federal
gift
tax
limits
lifetime
is
about
5.6
million
dollars,
so
you
can
get
without
paying
gift
taxes.
What
you
need
to
do
and
when
you
or
you
might
even
know
this
better
than
I
do,
but
what
you
do
is
if
you
decide
to
give
more
than
$14,000
to
a
child
into
your
you're
supposed
to
file
an
informational
gift
tax
return
with
your
taxes
of
that
year.
D
D
D
D
D
There's
a
definite
distinction.
We
are
going
to
get
some
answers
only
from
the
IRS
perspective,
there's
a
definite
distinction
between
giving
for
MA
purposes
and
medical
assistance
purposes,
I'm
giving
for
IRS
tax
purposes.
I
was
all
answering
the
text
question
there,
the
medical
assistants
rule
is
you
give
us
one
hundred
thousand
dollars
away,
and
all
you
have
is
one
hundred
fifty
thousand
dollars.
Then,
all
of
a
sudden,
you
end
up
in
a
facility
and
you're
going
to
eventually
need
to
apply
for
county
assistance.
That's
going
to
incur
penalty
period,
it's
going
to
be
bad
even.
A
D
C
D
C
O
D
D
Okay,
so
he
is
bent
down.
He
had
three
thousand
dollars
left
he's
ready
to
apply
for
assistance,
okay,
but
he
gave
$100,000
away
within
the
last
five
years,
so
you're
going
to
take
the
hundred
thousand
dollars
as
a
numerator.
The
denominator
is
a
dollar
figures
that
the
state
comes
up
with
every
year.
I
believe
it's
about
sixty
three
hundred
dollars
this
year.
So
you
take
a
hundred
thousand
dollars
divided
by
sixty
three
hundred
equals
a
number.
What
is
this
person?
Sixteen
months
awesome?
D
Somebody
can
do
a
scare
better,
the
nine
ten
that
is
sixteen
months,
so
he's
going
to
go
a
letter
from
the
tiny
thing.
Congratulations,
your
group
for
medical
assistance
that
will
kick
in
sixteen
months
from
now,
meaning
that
somehow
some
way
somebody
this
kids
probably
are
going
to
pay
for
his
care
for
those
sixteen
months
it.
O
D
To
correct
it
does
not
matter
when,
within
that,
sixty
one
months
that
happen,
it
does
not
matter
so
I
mean
we
have
some
some
tools
to
try
to
help
cover
that
pouncer
period.
Maybe
your
kids
are
going
to
kick
in
and
pay
for
the
fifth
forty
eight
months
of
papers
is
twelve
months
or
whatever
it
might
be,
but
gifts
are
very
dangerous
in
medical
assistance
world
one.
A
Of
the
questions,
I
get
her
Mora
who
can
offer
personal
loans
and
lines
of
credit
while
selling
their
home
like
if
they
don't
have
liquid
assets,
who
can
offer
personal
loans
and
lines
of
credit
that
would
be
going
to
the
bank
just
quantity?
There's
not
any
company
that
specifically
north
with
seniors
or
anything
like
that.
That
I'm
aware
of
do.
G
G
A
H
H
As
individual
as
far
as
what
they
have
in
there,
so
we
I
look
through
the
death
benefit
versus
the
cash
value
and
kind
of
I
get
Aboriginal
a
medical
assistance
planning,
we're
kind
of
doing
that
inventory
of
assets
and
we're
looking
at
the
tax
implication.
The
investment
implication
and
death
benefit
implication
of
using
notes
to
determine
what
order.
Okay,
what.
H
It
depends
reverse
mortgages
can
be
wonderful
tools,
I,
look
at
it
as
a
product.
The
same
way,
I
would
look
at
a
mutual
fund,
a
CV
bearing
money
in
the
backyard
it's
a
product
and
when
it
fits
it
fits
really
well,
but
you
cannot
put
a
square
in
a
round
hole,
so
it's
really
is
very
much
individualized,
but
yes,
they
can
be
used
and
I
think
they
can
provide
a
lot
of
benefits.
H
To
those
connection,
because
yes,
it
can
be
thanking,
has
heart:
it's
not
used
properly.
There's
directions!
Whistles,
you
can
do
a
reverse
mortgage.
You
are
still
responsible
for
the
property
taxes,
the
insurance
and
not
people's
home.
We
read
in
the
papers
most
often
about
the
nightmares
and
my
grandma
Laster
home.
She
did
a
reverse
mortgage
and
they
promised
she's
never
lose
it.
Well.
What
you
didn't
hear,
what
she
and
pay
the
association
she
didn't,
pay
the
property
tax
into
giving
people
enough
on
the
home.
So
there
are,
you
know,
maintenance
issues
that
come
up
with.
G
In
general,
you
would
not
use
a
reverse
mortgage
if
you
were
thinking
about
moving
soon,
you
can
use
reverse
mortgages
to
purchase
your
next
home
if
you're,
downsizing
and
you
are
required
to
take
counseling
and
take
a
class
when
you
take
out
a
reverse
mortgage,
so
they
generally
will
counsel
you
on
the
pros
and
cons
to
help
you
determine
if
it's
a
good
fit
for
you
back
to
everybody
is
an
expert
when
it
comes
to
real
estate.
I'd
encourage
you
to.
H
To
do
improve
on
the
question
about
is
about
lines
of
credit
on
your
mortgage
for
improvement
and
probably
that's
releases.
Bold
line
up
is
alone,
so
you
know
more
often
than
not
I
meeting
with
a
family,
that's
exhausted
their
line
of
credit
trying
to
accomplish
something,
and
we
don't
have
the
cash
flow
to
continue
with
the
payment.
So
again,
I
think
it's
very
specific
what
it's
going
to
be
used
for
and,
most
importantly,
how
you're
going
to
pay
it
back.
N
Think
my
question
is
Theresa
back
to
this
point.
My
mom
has
a
chunk
of
cash
in
the
house
sale.
Would
there
be
there
be
any
customer
clearing
bad
that
I
happen
if
we
got
an
interest-free
loan
from
her,
she
boned
us
and
we
pay
her
back.
She
is
eventually
going
to
be
on
my
poster:
it's
not
that
much
money
when
she
goes
into
a
senior
housing
magnet,
probably
take
her
offices,
it's
two
or
three
thousand
dollars,
so
their
beauty
be
here
in
doing
that
in.
D
D
D
E
D
Like
that,
this,
the
thing
with
guests
is,
you
need
to
make
sure
that
you're
getting
fair
market
value
in
return,
so
it's,
for
example,
you
want
to
hire
your
grandson
to
mow
your
lawn
for
you,
that's
fine!
That's
great!
Don't
pay
him
five
times
when
you
would
pay
the
market
going
rate
for
somebody
to
mow
your
lawn
and
have
it
in
writing
and
of
a
contract
with
your
grandson
Damone.
That
line
fair.
C
H
I
think
a
lot
of
times
it's
difficult
for,
for
our
parents
and
our
grandparents
wins
when
they're
wanting
to
give
and
I
think
I.
Think
that's
my
nature.
You
know
they
still
want
to
take
care
of
us,
so
helping
helping
families
understand
kind
of
the
bigger
picture,
the
supplier,
the
ten-year
plan
and
kind
of
thing.
You
know
I
appreciate
you
want
to
do
that,
but
number
one
that
puts
you
at
risk
for
being
in
a
in
a
penalty
period
for
medical
assistance.
H
C
G
We
run
into
a
lot
because
we
work
with
older
adults
is
the
way
in
which
the
home
is
sold
can
affect
medical
assistance.
Eligibility
and
not
a
lot
of
people
know
that,
in
fact,
if
you
hire
real
estate
agent,
that
doesn't
specialize
in
working
with
seniors,
they
likely
won't
know
that,
but
they
don't
need
to.
So
would
you
take
a
minute
to
talk
about
what
that
means?
I.
D
B
D
Occur
if
you're
trying
to
sell
it
to
a
related
party
so,
for
example,
is,
is
Morris
and
she
has
adult
children.
If
you
wanted
to
sell
her
home
to
one
of
her
children,
okay,
the
rules
are,
you
have
to
sell
it
for
at
least
be
tax
assessed,
values
or
you
can
hire
a
private
appraiser
to
come
out
and
appraise
the
property
and
pay
an
independent
appraiser
to
appraise
it,
and
you
can
take
that
lowest
dollar
amount.
However,
it
has
to
be
one
of
those
amounts.
D
You
cannot
give
a
discount
to
a
related
party
if
it
is
a
truly
an
arm's-length
transaction.
There
aren't
as
many
concerns
there,
but
if
you
ever
decide
to
sell
it
to
a
related
party,
just
know
that
and
contract
for
deeds
are
a
little
risky
there
as
well.
So
if
you
can
sell
it
outright,
sell
it.
Alright,
have
your
child
go
to
mortgage,
buy
the
property
you
know
make
it
a
book
is
as
arm's
length
as
possible.
C
A
A
J
A
A
So
I
can
tell
you
more
about
the
levels
of
care
in
very
different
places.
So
if
you're
in
an
assisted
living
memory,
care
I
mean
typically,
they
don't
provide.
I
mean
they
provide
a
high
level
of
care
up
to.
Maybe
two
person
assists
and
it's
more
inclusive
of
medication
management.
Different
things
like
that
cost
is
typically
around
five
six
thousand
dollars
a
month
with
cheer
and
friends
included.
But
again,
that's
just
I
mean
that's
just
an
average
I
would
say:
do
you
have
any
specific
questions
about
memory?
Care
I
mean
programming
systems
covering.
M
A
M
A
Waiver
development
waiver
cover
and
it
depends
on
which
community
you
go
to
so
one
question.
I
always
tell
people
to
ask
as
they
navigate
different
senior
care
options
is
what
happens
if
I
move
here
and
I
run
out
of
money
or
say
I.
You
know
that's
one
of
the
first
things
you
say
my
parents
doesn't
have
any
money
and
they're
on
elderly
waiver.
You
should
tell
that
to
the
person
right
away
as
you're
tutoring.
A
There
are
communities
that
do
not
participate
in
public
assistance
programs
whatsoever.
So
you
want
to
make
sure
that
if
you're
moving
into
a
community
that
you
know
what
happens,
if
you
run
out
of
money
that
they
have
a
plan
because
you
don't
want
to
spend
all
your
finances
there
and
then
all
of
a
sudden,
you
run
out
of
money
and
they
don't
participate
in
elderly
waiver.
And
then
you
have
to
find
alternative
housing.
I
mean
they'll.
Give
you
a
couple
different
options.
So
say
here
are
a
couple
legs
that
that
participate
in
the
program.
A
But
often
those
communities
have
a
waiting
list.
You
know
at
Meadowood,
which
is
on
a
Martin
Luther
campus.
They
do
participate
in
public
assistance
programs
such
as
elderly
weavers.
However,
most
north
places
have
like
a
lot
of
the
amount
of
apartments
that
they
have
set
aside
for
elderly
waiver.
So
say
they
have
20
apartments,
maybe
like
five
and
those
being
memory
care
for
elderly
waiver
and
then
you
may
go
on
a
waiting
list,
but
I
say
the
best
thing
is
to
always
move
in.
A
C
I
E
E
E
Who
has
some
of
that
experience
and
it
does
get
to
be
challenging
so
definitely
try
and
make
those
plans
as
soon
as
possible,
find
somebody
that
can
help
sit
through
you
to
sit
there
and
kind
of
go
through
that
paperwork
or,
if
not,
you
know,
reach
out
to
the
county,
reach
out
to
different
communities.
I
know:
Ebenezer
has
a
plethora
of
information
that
we
just
love
sharing
with
people
just
because
we
feel
that
the
more
educated
people
can
be,
of
course,
I
had
to
other.
E
There's
just
tons
of
resources,
it's
just
a
matter
of
navigating
through
them
and
so
we're
happy
to
help
in
whatever
way.
There's
county
assistance,
it's
always
happy
to
help,
and
it's
again
if
she
is
in
long-term
care
or
what
they
consider
a
traditional
nursing
home,
they
would
have
a
social
worker
on-site
to
help
navigate
that.
So,
if
she
was
moving
to
medical
assistance,
a
lot
of
the
times
that
community
will
actually
assist
in
helping
transition
into
medical
assistant
or
the
elderly
waiver
program
did.
G
I
G
Area
addition,
we
are
coming
up
with
a
number
of
companies
that
are
small
private
pay,
independent
case
managers,
then
any
of
them
would
be
fantastic.
To
sit
down
do
an
assessment.
That
assessment
would
both
be
psychological,
social,
emotional,
spiritual
international,
and
they
could
then
give
you
really
great
recommendations.
G
D
Difficult
Orton
and
one
more
thing
that
I
mentioned
the
financial
aspects
of
elderly
waiver
and
medical
assistance.
There's
also
meant
health
aspects.
So
when
you
go
to
apply
for
medical
assistance,
you
submit
the
application
and,
if
they're
still
in
their
home,
a
public
health
nurse
will
come
to
the
home
and
do
an
assessment
on
your.
O
D
D
A
Know
we'll
wrap
it
here,
but
you
want
to
say
in
regards
to
your
question
about
a
cure
transition,
specialist
or
social
worker
being
part
of
serum.you.
We
do
have
somebody
specifically
and
for
that
I'm
standing
at
current
she's
phenomenal
and
she
is
a
gear
transition
specialist,
and
so,
if
you
find
a
community
that
is
part
of
a
healthcare
system,
like
you
know,
ebenezer
as
part
of
Fairview,
they
often
will
have
a
social
worker.
A
You
know,
even
if
it's
not
nursing
home
but
assisted
living,
that
will
help
you
navigate
all
the
options
that
put
all
the
pieces
together
for
you
in
my
one
word
of
advice,
as
we
close
here
is:
please
please,
please
don't
am
I
get
in
trouble
for
this,
but
don't
use
free
referral
agencies,
the
ones
that
they
you
know
will
help
navigate
care.
I
mean
they
have
contracts
with
certain
people,
so
they
are
free.
A
They're
charging,
somebody
else
unless
they're
a
smaller
company-
and
you
know,
they're
hands-on
and
go
to
the
appointments
with
you
and
help
you
find
out
what
is
the
best
option
for
you
or
your
mom
or
yet
do
not
just
go
to
them.
That
was
my
one
word
of
advice,
any
last
questions
as
we
wrap
up
here
and
he
will
stay
back.
So
if
you
have
specific
questions
that
you
want
to
ask
each
one
one
of
us,
but.