PASSWORDS

Passwords!  If you are like me, you hate getting notices you must update or change your password.  With the digital world we live in, it seems like we have a million passwords.  Electronic passwords are a relatively new concept, but a reality in today’s world.   When I was a kid I could remember 100 phone numbers and call …

LONG TERM CARE IN TEXAS

When planning for retirement, an often overlooked consideration is the cost of long-term care.  The principal sources of payment for long term care are personal savings/income, Medicaid, and long-term care insurance. Texas Health and Human Services Commission records  indicate the sources of payment for nursing home care nationwide are:   Medicaid                     52% Private Pay                  …