We’ve found these to be effective resources to share with our members. We are always interested in adding new ones, so if you’ve found a book or website to be invaluable, let us know!
Pre-Retirement and Retirement (and other perfectly timed resources) +We’ve come up with a few resources to help navigate the fascinating (and ever-changing) world of retirement income.
You Can Retire Sooner Than You Think – The 5 Money Secrets of the Happiest Retirees by Wes Moss
Many people wish they could retire at an early age. Following the advice in Moss’s book will help you make an early retirement possible.
Your Money Life – Your 60s by Peter Dunn
The world-renowned author, newspaper columnist, nationally syndicated radio program host, and finance expert Peter Dunn (aka Pete the Planner) has written six books to guide you through each decade of your financial life: Your Money Life – Your 20s…30s…40s…50s…60s… Another of his books, The Commissioner, is for people with variable income like sales people on commission. Each book is excellent!
The Encore Career Handbook – How to Make a Living and a Difference in the Second Half of Life by Marci Alboher
If you are interested in transitioning to a second fulfilling career, this book helps outline the necessary steps. You can also visit www.encore.org for additional advice.
What Color is Your Parachute – A Practical Manual for Job-Hunters and Career-Changersby Richard N. Bolles
For most of us, a happy retirement won’t be attained by freedom from duty and responsibility, leading to a life filled with nothing but passive leisure and pleasure. Being physically, intellectually, and creatively challenged can help individuals find satisfaction and fulfillment in their leisure activities.
How to Retire Happy, Wild, and Free - Retirement Wisdom that You Won’t Get from Your Financial Advisor by Ernie J. Zelinski
This book offers inspirational advice on how to enjoy life to its fullest. The key to achieving an active and satisfying retirement involves a great deal more than having adequate financial resources; it also encompasses all other aspects of life—interesting leisure activities, creative pursuits, physical well-being, mental well-being, and solid social support.
Relationships with Your Parents +One of the responsibilities many people face in their later years of life is looking after one or more parents. Relationships between parents and their adult children are not always easy. Two excellent books that may help you with your relationship with your parent:
Coping with Your Difficult Older Parent by Grace Lebow and Barbara Kane
Though there's no medical definition for “difficult” parents, you know when you have one. While it's rare for adults to change their ways late in life, you can stop the vicious merry-go-round of anger, blame, guilt and frustration. Here's a common-sense guide from professionals, with more than two decades in the field, on how to smooth communications with a challenging parent. Filled with practical tips for handling contentious behaviors and sample dialogues for some of the most troubling situations, this book addresses many hard issues.
Making Peace with Your Parents by Harold Bloomfield, MD
No matter how old you are and whether or not your parents are alive, you have to come to terms with them. This wise and practical book will show you how to deal with the most fundamental relationships in your life and, in the process, become the happy, creative, and fulfilled person you are meant to be.
Help with Financial Decisions +The following book’s objective is not to revamp your habits or your life but to keep you out of trouble while making the most of what you have. This excellent book is for everyone from their 20s through their 90s, and is packed full of sound advice.
The AARP Retirement Survival Guide – How to Make Smart Financial Decisions in Good Times and Bad by Julie Jason
For Americans seeking safety and stability in a time of wrenching economic change, comes investment educator Julie Jason with this no-nonsense guide, which won the award for Best Personal Finance Book at the International Book Awards and was chosen as the top business book by Booklist. It offers time-tested, rock-solid retirement advice for people of every income level.
Help for the Elderly and Those with Disabilities +If your elderly parent(s) needs assistance with food, medicine, assistive technology, legal services, support groups, etc., or if you are their caregiver and you need help with finding services for them or for you (respite care, home care options, selecting a residential facility, etc.) contact the Indiana Association of Area Agencies on Aging at: 1 (800) 986-3505 or visit iaaaa.org They can also help you find resources if your parent lives outside Indiana.
In Indianapolis, contact CICOA Aging & In-Home Solutions at (317) 254-5465. Their Internet address is: cicoa.org The CICOA Aging and Disability Resource Center can be contacted at (317) 254-3660.
End-of-Life Preparation +Caring for Those Who Remain – A Practical Guide for End-of-Life Preparation by Adolf Hansen, Ph.D. & Naomi Hansen, MS
This outstanding book is a practical guide for end-of-life preparation. Written for people who want to plan for and talk with their children, brother(s), sister(s), or significant other about their wishes for their end of life. It’s also for children who want to plan for and talk with their parents about this often sensitive subject. The book guides the reader through legal documents, funeral planning, finances, conversations near the time of death, actions to take at the time of death, etc. with checklists and other helpful tips.
Lose, Love, Live – The Spiritual Gifts of Loss and Change by Dr. Dan Moseley
This book guides people through grieving of the loss of someone close to them. As the author states, “This book is for you if you’ve ever lost a lover, a friend, a dog, a job, a partner, a championship game, a leg, an eye, a baby, a dream, a breast, a house, a car, a business. It is for you if you have ever wondered what good people can do when bad things happen to them.”
Below are dozens of helpful Internet sites for RIPEA members.
CD Rates +Find the best high-yield CD rates: www.bankrate.com
Find the best rates on high-yield checking, online savings accounts and CDs: www.depositaccounts.com and www.money-rates.com
Calculators +A consumer financial services company and is a personal finance website: www.bankrate.com
Retirement, investment, home equity, credit card, savings and dozens of other calculators: www.bankrate.com/calculators
RMD Calculator—The IRS requires that you withdraw at least a minimum amount (known as a Required Minimum Distribution) from your retirement accounts annually; starting the year you turn 70 ½: www.bankrate.com/calculators
Federal Government +Social Security Administration: www.ssa.gov
Internal Revenue Service: irs.gov
Department of Veteran’s Affairs Benefits: www.benefits.va.gov/benefits
Indiana is a U.S. state with two senators in the United States Senate and nine representatives in the United States House of Representatives. Visit this site to find your representative:www.govtrack.us/congress
Federal Emergency Management Agency (FEMA)—Actions you can take to lessen the impact of disasters: www.fema.gov
U.S. National Archives and Records Administration—Resources for genealogical (family tree) research: www.archives.gov/research/genealogy
Department of Health and Human Services/Eldercare locator: www.eldercare.gov
The following Internet site is a portal into a very large list of government agencies, information, and services. This site is very helpful when you don’t know which government agency to contact. To access the online guide, go to: www.USA.gov
Indiana State Government +The Indiana Public Retirement System (INPRS) is among the largest 100 pension funds in the United States. The fund serves the needs of approximately 450,000 members and retirees:www.in.gov/inprs
PERF member forms: www.in.gov/inprs/perfmbrforms
The State Health Insurance Assistance Program (SHIP) is a free, unbiased counseling program provided by the Indiana Department of Insurance for Medicare beneficiaries in Indiana. SHIP provides health insurance counseling for people with Medicare: www.in.gov/idoi
Indiana Department of Revenue: www.in.gov/dor
Indiana Department of Insurance: www.in.gov/idoi
Indiana Secretary of State: Duties include regulation of the securities industry and many other areas: www.in.gov/sos
Indiana MoneyWise is a financial education program designed to increase financial literacy in Hoosiers and educate them about smart money management and how to avoid being the victim of investment scams:www.in.gov/sos/indianamoneywise
Indiana Secretary of State Securities Division: www.in.gov/sos/securities
The Indiana Attorney General's Office is dedicated to protecting consumers from deceptive and predatory business practices. It is also committed to educating consumers to make wise choices when buying products or entering into contracts. www.in.gov/attorneygeneral
Indiana Attorney General's Office "Security Freeze" - Placing a security freeze on your credit reports can block an identity thief from opening a new account or obtaining credit in your name: www.in.gov/attorneygeneral
The Indiana State Department of Health (ISDH) Division of Long Term Care is responsible for state licensing and federal certification programs for long term care facilities:www.in.gov/isdh
State-wide, Long-Term Care Facility Directory from the Indiana State Department of Health: www.in.gov/iltcp
Indiana State Department of Health: www.in.gov/isdh
The Indiana Long Term Care Partnership Program of the Indiana Department of Insurance: www.in.gov/iltcp
Do Not Call list—The Indiana Attorney General’s Consumer Protection Division is dedicated to protecting consumers from unwanted telemarketing calls:www.in.gov/attorneygeneral
The Indiana Department of Veterans Affairs (IDVA) aids and assists "Hoosier" veterans, and qualified family members or survivors, who are eligible for benefits or advantages provided by Indiana and the U.S. government. (See "Benefits" tab): www.in.gov/dva
The Indiana State Information Center is your single point of contact for questions about Indiana State government: www.in.gov/core/help
The Indiana General Assembly—To find your legislator, see the bottom of the screen: iga.in.gov
Indiana Department of Natural Resources:www.in.gov/dnr
Travel +U.S. Passports and International Travel: http://travel.state.gov/content/passports/en/passports.html
Travel Alerts and Warnings/U.S. Department of State:: http://travel.state.gov/content/passports/en/alertswarnings.html
Free International etiquette guides: www.kwintessential.co.uk
Indiana state trails, greenways and bikeways: www.in.gov/dnr/outdoor
The Center of Intercultural Learning, and it contains country facts and cultural information on the countries of the world that go beyond the do's and don'ts: www.intercultures.ca
Security and Scams +Area Code Scam—Tips from AT&T about how to protect yourself from inappropriate high charges on phone bills: www.att.net/smartcontrols-809AreaCode
Free Financial Self-Defense Guide for Seniors: http://www.cfp.net/docs/publications
The Indiana Attorney General’s office has a free ID Theft Prevention Toolkit. The toolkit allows you to keep an accurate inventory of the contents of your purse or wallet so you can quickly contact creditors if the information is ever lost or stolen and other tools to help protect you from becoming an identity theft victim. For more information, go to: http://www.in.gov/attorneygeneral
Emergency and Non-emergency Help +Indiana Association of Area Agencies on Aging: aaaa.org
Dial 211, a free and confidential service that helps Hoosiers across Indiana find the local resources they need: www.in211.org
General Interest +The Indiana Business Research Center is a leader in research, data, and analysis focused on economic, demographic, industry, and education information. IU Kelly School of Business:www.ibrc.indiana.edu
Indiana Laws of Aging—A publication about state and federal laws related to income, healthcare, long-term care, housing, estate planning, elder abuse, grandparents' rights, and more:www.inbf.org
Alzheimer's Association—Caregiver Center: www.alz.org/care
Alzheimer's Association—Greater Indiana Chapter: www.alz.org/indiana
The Hartford Center—Helpful information to keep you and your loved ones safe on the road and at home: www.thehartford.com
Free tuition and assistance with the cost of books, supplies, and fees at Ivy Tech through their Senior Scholars Program for people age 60 or more: www.ripea.org/news
Naming life insurance beneficiaries—10 ways to screw up: www.nasdaq.com
GovDeals provides services to various government agencies that allow them to sell surplus and confiscated items via the Internet. Anyone can purchase the items: www.govdeals.com
Free Microsoft Office tutorials for Word, Excel, PowerPoint, Outlook, and more for versions: 2013, 2010, & 2007: support.office.com
If you are interested in transitioning to a second fulfilling career, the following website has proven advice: www.encore.org
The Declaration of Anatomical Gift Form allows you to express your wish to donate an organ(s) for transplant or your body for medical research. To learn more about making an anatomical gift, visit: www.organdonor.gov
Professional and Volunteer Organizations +Toastmasters is a professional association dedicated to helping people become more confident in giving presentations of any type: www.toastmasters.org
Volunteer Match—Put more purpose and fun in your life: www.volunteermatch.org
SCORE is a nonprofit association supported by the U.S. Small Business Administration. They offer the nation's largest, network of free, expert business mentors: www.score.org
Health and Wellness +Receive HEALTHbeat, Harvard Health Publications' free email newsletter: www.health.harvard.edu
Tuff's University School of Nutrition Science and Policy: www.nutrition.tufts.edu
Nutrition information from the U.S. Department of Agriculture: www.choosemyplate.gov
National Council on Aging—To get answers to your questions about finding benefit programs that can help you pay for medications, health care, food, utilities, and more: www.benefitscheckup.org
American Psychological Association—Over 60 topics to help improve peoples' lives: www.apa.org/topics.
Adult Protective Services
The Adult Protective Services (APS) Program was established to investigate reports and provide intervention and protection to vulnerable adults who are victims of abuse, neglect, or exploitation. ALL PERSONS ARE REQUIRED BY LAW TO REPORT ALL CASES OF SUSPECTED ABUSE, NEGLECT, OR EXPLOITATION TO EITHER THE NEAREST APS OFFICE OR TO LAW ENFORCEMENT. The State Hotline number is: 1 (800) 992-6978. For more information, go to: http://www.in.gov/fssa/da/3479.htm
The Indiana State Department of Health provides an Advance Directives brochure to inform you of ways that you can direct your medical care and treatment in the event that you are unable to communicate for yourself. To view and download the brochure, go to: http://www.in.gov/isdh/files/advanceddirectives.pdf
Hospital Comparison Tool
The Centers for Medicare and Medicaid Services offers data on more than 4,000 hospitals on their Compare tool. To access this outstanding, easy-to-use comparison tool, go to: www.medicare.gov/hospitalcompare.
Hospice care is end-of-life care. Professionals and volunteers provides medical, psychological, and spiritual support. The goal of the care is to help people who are dying have peace, comfort, and dignity. Hospice programs also provide services to support a patient's family. To view the U.S. National Library of Medicine – Medline Plus Internet site that contains articles, resources, research, hospice locations, and much more go to: https://www.nlm.nih.gov/medlineplus/hospicecare.html.
Assisted Living – Nursing Homes
When it comes to aging issues, he has been called a visionary, a culture-changer and a prophet. Dr. Bill Thomas has built a reputation as one the most eclectic and creative thinkers working in the field of medicine. Author, entrepreneur, musician, teacher, farmer and physician, Dr. Thomas’ wide-ranging work explores the terrain of human aging. Named by The Wall Street Journal as one of the top ten Americans shaping aging, Dr. Thomas is internationally known for his health care system innovations. To learn about elderhood, his initiative to dramatically change the nursing home industry (aka: The Green House Project) and more information, go to: http://changingaging.org/about/.
Many of the following organizations not only provide excellent information, they often offer free services and or products:
The American Cancer Society, Central Indiana, Great Lakes Division, Inc.
5635 West 96th Street, Suite 100
Indianapolis, IN 46278
Toll Free 1 (800) 227-2345
The American Diabetes Association
The National Kidney Foundation of Indiana, Inc.
911 E 86th St # 100
Indianapolis, IN 46240-1848
The National Kidney Foundation
The American Lung Association in Indiana
Questions about your lung health? Ask an expert. Call 1-800-548-8252.
American Lung Association
1301 Pennsylvania Ave. NW, Suite 800
Washington, DC 20004
T: 202 785 3355
Indiana Family and Social Services Administration (FSSA) – Division of Aging
Macular Degeneration Partnership
If you have Macular Degeneration, there is hope and help. Whether you were just diagnosed or have had Age-related Macular Degeneration (AMD) a long time, you can find the information, resources and support you need right here. Family members and caregivers can learn what it’s like to have age related macular degeneration and how they can help. For more information go to the Macular Degeneration Partnership website at: http://www.amd.org/
The American Heart Association in Indiana
6100 W 96th St # 200
Indianapolis, IN 46278-6020
The American Heart Association
Retirement Planning Resources +Find out how much you’ll need to retire by using this calculator: finance.yahoo.com
Choose to Save offers its own retirement calculator: www.ChoosetoSave.org
The U.S. Dept. of Labor offers this online resource from the Employee Benefits Security Administration: www.DOL.gov/ebsa
This printable guide from the U.S. Dept. of Labor provides a retirement timeline: Taking the Mystery Out of Retirement Planning
College Choice 529 Plan: If you would like to put money aside for your grandchildren’s college education, consider opening a 529 Plan. https://www.collegechoicedirect.com/.
Wouldn't it be great if you could leave a financial legacy to your kids or grandkids that could actually increase over time? Well, you can, with a little bit of planning on your part — and a little educating of your beneficiaries. For additional information go to: http://www.aarp.org/money/estate-planning/info-04-2011/how-to-stretch-an-ira.html
About 20% of baby boomers are currently contributing to their parents care. To see if there are benefits you or your parents may be eligible for, go to: www.benefitscheckup.org.
To search for eligibility for government services and contact information for government programs, go to: www.govbenefits.gov.
How to create a budget from Duke University, go to: http://personalfinance.duke.edu/manage-your-finances/budget/discretionary-vs-non-discretionary-spending.
If you would like to make more informed decisions about the charities you donate to, go to: http://www.myphilanthropedia.org/.
Cost of Living in Cities Across the U.S.
The U.S. Department of State Internet site has many links to Internet sites with cost-of-living information to help people who are considering relocating to another city in the United States. To view their Internet page, go to: http://www.state.gov/m/fsi/tc/79700.htm.
American Institute of Certified Public Accountants (CPA)—Help in locating one in your area: apps.aicpa.org/credentialsrefweb
To find credit cards with the benefits you want, go to: http://www.creditcardassist.com/.
If you or a loved one is struggling with managing debt, consider the following information about Utah State University’s free debt management tool known as “PowerPay.” https://powerpay.org/.
If you get into serious financial trouble, Apprisen is a non-profit organization that may be able to help you if you need credit counseling, housing counseling, bankruptcy counseling, or debt repayment assistance. To read more about their services, go to: https://www.apprisen.com/.
FDIC Consumer News provides practical guidance on how to become a smarter, safer user of financial services. Issues and selected articles offer helpful hints, quick tips and common-sense strategies to protect and stretch your hard-earned dollars: www.fdic.gov/consumers/consumer/news
FDIC Links for consumers including financial education for you, your children, and grandchildren: www.fdic.gov/quicklinks/consumers
FINRA regulates the people and firms that sell stocks, bonds, mutual funds and other securities. Use the free online tool, BrokerCheck, before you invest your money: www.finra.org/investors/brokercheck
Certified Financial Planner Board of Standards, Inc: www.cfp.netTo check the disciplinary history of a financial planner or advisor: www.finra.org/investors
To check the disciplinary history of a financial planner or advisor: www.sec.gov
American Institute of Certified Public Accountants (CPA)—Personal Financial Planning Consumer Content: www.aicpa.org
How financial advisors get paid:http://www.dummies.com/how-to/content/how-financial-advisors-get-paid.html
Find Registered Investment Advisors at: http://www.adviserinfo.sec.gov/.
Find an advisor from the National Association of Personal Financial Advisors (NAPFA) at: http://www.napfa.org/.
When you are looking for a financial advisor the Securities and Exchange Commission (SEC) has some excellent advice. To read more, go to: https://www.sec.gov/investor/alerts/ib_making_sense.pdf.
Financial Exploitation Prevention
The North American Securities Administrators Association (NASAA) launched a new website designed to provide senior-focused resources to investors, caregivers, industry, and policymakers. The website is a resource-rich online environment for senior investors and those best positioned to provide for their care, financial security, and protection. The website is available at: http://serveourseniors.org.
Financial Literacy & Education
This website is a product of the Congressionally chartered Federal Financial Literacy and Education Commission, which is made up of more than 20 Federal entities that are coordinating and collaborating to strengthen financial capability and increase access to financial services for all Americans. Under the “Tools” tab on this site you will find calculators, budget worksheets, and checklists to help you manage your finances: www.mymoney.gov
If you are or would like to be involved in your grandchildren’s financial education, you can download the “National Standards for K-12 Personal Finance Education” by going to: http://www.jumpstart.org/national-standards.html.
Try these activities and conversation starters to help your grandchildren develop money skills, habits, and attitudes that can serve them well as adults. To view this information, go to: http://www.consumerfinance.gov/money-as-you-grow/.
Department of Labor—Savings Fitness Worksheets to help you manage your financial life: askebsa.dol.gov/SavingsFitness/Worksheets
Current rate of inflation: www.inflationdata.com
If the insurance company you bought your property and casualty insurance policy from becomes insolvent (goes bankrupt), the Indiana Insurance Guaranty Association can assist you. They can also tell you the Indiana guaranteed dollar limit of coverage. For more information, go to: http://indiana.ncigf.org/faq#n299.
If the insurance company you bought your life, health or annuity insurance policy from becomes insolvent (goes bankrupt), the Indiana Life and Health Insurance Guaranty Association can assist you. They can also tell you the Indiana guaranteed dollar limit of coverage. For more information, go to: https://www.inlifega.org/.
Pension Benefit Guaranty Corporation (A U.S. Government Agency) —If you have a pension from a private-sector job, you are probably one of the 44 million Americans covered by PBGC insurance protection. PBGC insures nearly 26,000 pension plans. They can help you with any problems with your pension: www.pbgc.gov
PERF – Public Employees Retirement Fund (INPRS)
If you are medically incapacitated and you would like to have your spouse or another person have the authority to act on your behalf to obtain your PERF account information, sign and execute documents, and conduct all business including investment allocations as it relates to your PERF account, you will need to use the INPRS “Limited Power of Attorney for Members and Recipients” form to grant another person this authority. To find and download the form, go to: http://www.in.gov/inprs/perfmbrforms.htm.
If you are thinking about doing some research on reverse mortgages, the AARP website has some good information them. To read about it, go to: www.aarp.org/revmort.
You can save earned income into a Roth IRA even after you are 70 & ½ years of age. To see the maximum amount you are allowed to save in a Roth IRA if you are age 50 or more and to see the income exclusions, go to the following Internet site for more details: https://www.irs.gov/Retirement-Plans/Traditional-and-Roth-IRAs.
If you are divorced, but your marriage lasted 10 years or longer, you can receive Social Security benefits on your ex-spouse's record (even if he or she has remarried): www.ssa.gov
Student loan forgiveness programs from the U.S. Department of Education: www2.ed.gov/fund/grants-college
If you, your spouse, your children, or grandchildren have student loan debt, the information in the following Internet site could save you or them thousands of dollars. Go to www.credible.com to download Credible’s Student Loan Refinancing Guide. The guide explains all of the options and the pros and cons of each. Whether you are trying to lower your monthly payment or lower your interest rate, they can help you get multiple refinancing offers from lenders. It only takes two minutes to learn how much you could save on your student debt. Credible’s partner lenders typically pay Credible a commission when they refer borrowers to them and they take out a loan. However, there is no cost to you, the borrower, and your rates are unaffected by any fee paid to Credible.
If your grandchildren would like to know how they can get part of their student loan forgiven, tell them to go to the U.S. Department of Education Internet site and read about the “Public Service Loan Forgiveness Program.” For more information go to: https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service.
Tax brackets: www.bankrate.com/finance/taxes/tax-brackets
If you are thinking about moving to another state, Kiplinger offers an excellent “State-by-State Guide to Taxes on Retirees.” To view the guide, go to: http://www.kiplinger.com/tool/retirement/T055-S001-state-by-state-guide-to-taxes-on-retirees/.
If you would like to use free tax preparation software from the Internal Revenue Service (IRS), go to: www.irs.gov/freefile.
If you believe someone has filed a tax return in your name either because your return bounced back or you received a notice from the IRS about a suspicious filing, call the IRS Identity Protection Specialized Unit at: 1 (800) 908-4490. For additional IRS information to help you prevent tax identity theft and resolve an issue, go to: https://www.irs.gov/Individuals/Identity-Protection.
Unclaimed Money & Property
MissingMoney.com is officially endorsed by NAUPA and the participating states and provinces. Their Internet site will assist you in thoroughly searching all participating states to find your family's missing, lost, and unclaimed property, money and assets. Searches and claiming are always FREE. For more information, go to: http://www.missingmoney.com/.
The National Association of Unclaimed Property Administrators (NAUPA) lists links to many individual state unclaimed property listings including Indiana. To view their webpage, go to: www.unclaimed.org.
US Savings Bonds
To calculate the current value of your U.S. Savings Bonds, go to: http://www.treasurydirect.gov/BC/SBCPrice.
U.S. Savings Bonds stop earning interest after a certain number of years. To see if your savings bonds are no longer earning interest, go to: http://www.treasurydirect.gov/indiv/research/securities/res_securities_stoppedearninginterest.htm.
Downsizing and Relocation +Senior Move Management is the profession that assists older adults and their families with the emotional and physical aspects of relocation and/or “aging in place.” Making a major move at any age is difficult and stressful. Recognizing and managing the stress of relocating older adults is the hallmark of the National Association of Senior Move Managers® (NASMM). Their ability to successfully manage transition trauma while helping older adults and their families through the downsizing and relocation process makes the move from their home to their new residence stress-free! NASMM members can also help people downsize and remain in their home through their NASMM@Home program.
Membership in NASMM now numbers over 900 Senior Move Management companies throughout the United States, Canada, and abroad. All general members of the NASMM must meet strict vetting requirements before approval. These requirements include:
• Obtain general business liability insurance
• Take and pass NASMM’s Cornerstone Courses
• Provide NASMM with two letters of recommendation from senior clients they have moved or senior living communities with which they work
• Provide a link to a live website highlighting their Senior Move Management Services
• Sign and abide by the NASMM Code of Ethics and submit to oversight and guidance from the NASMM Ethics Compliance Commission
Consumers and referral sources should be confident that NASMM members represent the most qualified and capable Senior Move Managers in this growing profession.
For more information about NASMM and to find a Senior Move Manager in your community, go to: https://www.nasmm.org/about/index.cfm.
Nutrition +EDF Seafood Selector Guide: The Environmental Defense Fund (EDF) Seafood Selector stands apart from other seafood guides because they work with troubled fisheries to improve management and conservation, which can improve their ratings over the long run. The guide covers the kinds of fish and shellfish you are most likely to see in your local supermarket or restaurant. Low-contaminant fish are an important part of a healthy diet, and EDF encourages people to consume fish that are caught or farmed in an environmentally responsible manner. Their scientists collect the latest information on omega-3s and mercury in seafood to provide the best recommendations possible. To view their guide, go to: http://seafood.edf.org/.
The United States Department of Agriculture’s (USDA) “Choose My Plate” Internet site offers ideas and tips to help you create a healthier eating style that meets your individual needs and improves your health. This excellent site offers many helpful tools like their “SuperTracker,” BMI Calculator, quizzes, videos, recipes & menus, food safety, dietary guidelines, advice for older adults, and much more. To view their site, go to: http://www.choosemyplate.gov/.
Insurance +MIB, Inc., offers information, suggestions, and a “Policy Locator Service” that helps executors, administrators, or next-of-kin identify lost or unknown life insurance policies for deceased individuals. To read more about this service, go to: http://www.mib.com/facts_about_mib.html.
Several major life insurance companies have established online lost policy finders. If you have reason to believe a policy may have existed with one of these insurers, you can use these websites to search directly by company at no cost. To view these company names and their policy finder Internet pages, go to: http://www.mib.com/lost_policy_finders.html.
Life Insurance – Accelerated Death Benefit: Terminal Illness Insurance (known as Accelerated Death benefit in North America) pays out a capital sum if the policyholder is diagnosed with a terminal illness from which the policyholder is expected to die within 12 months of diagnosis, by a physician who specializes in that illness or condition. Terminal Illness Insurance is a form of insurance that is often added to a life insurance policy or a mortgage life insurance policy by the insurance company issuing the policy. Terminal Illness Insurance is not available as a separate insurance policy.
Most insurance companies offer policies with accelerated benefit options and they are usually added to universal life insurance policies or other permanent life insurance policies. Some insurers are beginning to offer them with term life insurance policies sold to individuals. Accelerated benefits may also be available through group term or group permanent life insurance policies. Accelerated benefit options are usually offered when you purchase a new life insurance policy, but many insurers will also add them to existing policies. Contact your insurance company for additional information. For helpful information about buying insurance, go to the following Indiana Department of Insurance website: http://in.gov/idoi/2576.htm.
Do you need an umbrella insurance policy? To get helpful information about it, go to: http://www.bankrate.com/finance/insurance/what-is-umbrella-insurance.aspx.
The Insurance Information Institute offers free online home inventory software. For more information, go to: https://www.knowyourstuff.org/iii/login.html.