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Wake Up from Your Nightmares About Long-Term Care

Our bodies are “fearfully and wonderfully made” (Psalm 139) and though we may be grateful for whatever capabilities we have, we are also aware that under the surface of well-being, our bodies may be concocting dangerous changes to our health. If you are like me and have or had a beloved parent decline with dementia, you may fear that your genes are preparing the same path for you.

How can you deal with that pervasive worry, with that nightmare? Though the word “nightmare” comes into English in the 1300’s, the phenomenon of nightmares has always been with us. The word means that a demon or goblin has tormented you with a frightening dream. Though you may not believe in demons and goblins, there is a medical diagnosis called Nightmare Disorder.

Which capability would you be most frightened to lose: seeing, hearing, walking, speaking, remembering words and events, comprehending what someone is saying to you, identifying your loved ones?

Not only do we not want to lose any of them, we don’t want to even think about such changes. After I wrote my book on long-term care, I was regularly interviewed on radio. One radio host was working from a list of guests his producer provided for the various spots on his show. All he had were the notes he was given. He introduced me and then said with alarm, “So you’re talking about dementia. Well, if that happened to me, I’d jump out a second story window.” He hung up the phone and ended the segment. His fear of being less capable was so intense he could not even have a conversation about it.

The nightmare of a life-changing diagnosis doesn’t go away because you bolt the doors and hide under the covers. It goes away because you wake up, acknowledge you are afraid and then look at your options.

What are a few choices that can increase your sense of control and lessen the fear?

Reduce your risks for dementia. Dementia is a catch all term for a group of symptoms. Alzheimer’s, a degenerative brain disease, is the most common form of dementia.
Reduce your risks: enjoy a healthy diet; stay physically active; challenge your brain -keep learning; engage in social activities. (Read more at https://www.alz.org)
Prepare for a disruption. Just as you would prepare for a hurricane, or bad weather conditions, consider what steps you can take to lessen the impact. Yes, it is easier to buy batteries, extra food, water, and plywood to cover windows, than it is to save money for a health crisis.

It is likely that your health insurance will not cover all your medical costs. It may cover the initial emergency after a car accident, a fall, a stroke, spinal cord injury, but it probably will not cover the long-term care that is called custodial. Medicare does not cover custodial care. If your assets have been reduced you may qualify for Medicaid, which does cover custodial care. How much your assets must be reduced to be eligible for Medicaid varies by state.

Can you save up enough to cover long-term care?

If you need long-term care, and want to be cared for in your own home, can you pay about $4,195 a month for one 44-hour shift for a home health aide? If you needed to cover the full 168 hours of a week that would be almost four shifts bringing the monthly cost to about $16,780. (Genworth Cost of Care Survey 2019 national median cost) Can you pay the home health aides and all your regular bills to maintain your home and anyone else living with you?

Nurture a community of family and friends. Do you have enough devoted family and friends who are willing and able to care for you so that you do not need to pay for health aides?

Adapt your house. Perhaps you could stay in your home with fewer helpers if the house were adapted so that you could be more independent. What changes might you have to make? What might those changes cost?
Shift the burden. Have someone else pay for your care. Yes, an insurance company that provides long-term care insurance could pay the aides or pay for care in another setting like assisted living. If you are insured, you reduce the worry about paying for your care, and you are comforted by knowing professionals will be there to help you if, and when you need care.
Waking up from your nightmares of needing long-term care comes from talking about the fear and taking actions that can blunt the impact. It’s like turning on the light. We can’t eliminate the possibility of a life changing diagnosis, but we can face it with courage and creative energy. We are more than our health and more than our illness. We are fearfully and wonderfully made.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing.

Penelope S. Tzougros, PhD, ChFC, CLU. Financial Planner, Author, National Speaker. Wealthy Choices.com. 51 Sawyer Road, Suite 340, Waltham, MA 02453. Direct to Penelope 781 577 2311.

[email protected]. Fax 781 893 3565. In all 50 states, Penelope S. Tzougros is registered with, and securities and advisory services are offered through, LPL Financial, Member FINRA/SIPC. She is affiliated with Bay Financial Associates, LLC. Financial Planning is offered through Wealthy Choices® and Bay Financial Advisors, Inc. Both are registered investment advisors. Neither is a broker-dealer nor affiliated with LPL Financial.

Are Financial Losses Haunting You?

Losing money is not desirable but it’s normal. Managing money losses is one of the seven competences for financial success.¹ If that seems odd to you, here’s the basis for the claim. Money and time are the dimensions we operate in for work and for buying and selling. We make thousands of decisions. If we allow bad decisions to haunt us, instead of teach us, we may make worse decisions in the future

A few domestic examples: yogurt is on sale. You buy it. Somehow the container gets pushed aside and your morning routine of scooping out the yogurt changes. Next time, you a ready for a serving, you find it has spoiled. You dump it out and you lose the benefit of the savings as well as the cost of the product. Another challenge is vegetables. When you are ready to use all those healthy vegetables, they are not only past their prime, they’re past their dotage.

For those who are not food centric, maybe you signed up for an app that would be free for 30 days. If you didn’t cancel, there would be a charge on your card. You forgot to cancel and paid for something you didn’t want. You can probably identify items you bought that you did not wear, or did not use, or did not like once they were in your home. If you didn’t return them, you lost money.

Perhaps, you are not troubled by these losses because individually they are small. However, over time they do add up, or said another way, they do subtract from your wealth. The losses don’t haunt you. They are just what happens in a busy life.

Taking a loss when you sell a stock, a bond, a house, a car, or a fund may generate a louder groan and bigger loss. The transaction may also generate responses like: “I’ll never do that again.” “I have bad luck.” “So, and so mislead me.” “My timing was bad. I should have waited to sell.” The incidents that elicit these statements are likely to haunt you and alter how you approach, or shy away from other similar transactions.

How do you get out of the haunting blame game and the nagging negatives around these losses? Here are some guidelines for achieving more competency with money losses.

1 Accept the fact that it will be rare for you to buy that car or stock, et al. at the lowest price possible or sell it at the highest price possible. You would waste a lot of your time and energy to max out on each end.

2 Understand what you need and can afford. If you are selling something, what do you need to clear in the transaction to be in the right range for your purposes? A sales price built on greed or fantasy is not a healthy approach for your own wealth building, or for your being a fair neighbor in commerce. What sort of world do you want to live in and contribute to?

3 Don’t enter a deal if you can not lose the money. You should not commit money that you need for the essentials to run your life to a hope of gain, to a “golden opportunity.”

4 Consider everything you own is illiquid. For instance, you should not buy a house assuming its value will have gone up by the time you want to sell it. The housing market could have dropped, and no one is buying, or not buying at your sales price. When you buy anything assume it is illiquid, meaning you can not get a buyer for it and that you will continue to own it. That applies to cars, electronic gadgets, and anything else you own.

“To have and to hold” used to apply to wedding vows that were expected to endure. The marketplace preaches you can dump anything, anytime. You don’t need to value your choices, be responsible for them and make the best of them. Though you may feel you are being clever, a lot of trading and dumping of whatever it is may increase your losses.

5 Research, then buy. Learn about whatever you are buying. Research the item. Talk with others who are knowledgeable and those who have had a bad experience with whatever it is. Think about what you learned from all the different voices. Take your time. Worthwhile investments are always available.

6 Keep your perspective. Loss of money is not loss of health, or loss of a loved one, or loss of freedom, or loss of time. It’s just money. Many financial losses are distressing but not life changing. If they are out of your control and are life changing, hopefully there are government programs, insurances, social programs, family, and friends who can help.

When we lose money in transactions of whatever kind, we are probably more in control of the situation than we like to admit. We will lose money. What we must not do is lose who we are, our purpose, and values. Money has many important money jobs: food, shelter, clothes, etc. Money should not be given non-money jobs like self-esteem, creating love, healing a bruised psyche.

Enjoy all the good your hard-earned money can afford you and your loved ones. Allow for your smart transactions and your foolish ones to just be part of life. We don’t say the most perfect words in every situation, and we don’t have a perfect track record with our money. Hopefully, our hearts and minds are in the right place and we can relax into the moment by moment ongoing work of developing as caring, insightful human beings, not haunted by our lapses.

¹Penelope Tzougros, Wealthy Choices: The Seven Competencies of Financial Success (Wiley, 2004).

Penelope S. Tzougros, PhD, ChFC, CLU. Financial Planner, Author, National Speaker. Wealthy Choices.com. 51 Sawyer Road, Suite 340, Waltham, MA 02453. Direct to Penelope 781 577 2311.

Saying “Yes”

About a month into the lockdown here in Boston, my neighbor asked if I’d like some sour dough starter so I could make bread. My first thought was I don’t like most sour dough bread that I have eaten. I said, “Yes,” and shortly after that Kevin was at my door holding a large jar like those used for canning and setting up pickles. He gave me a basic lesson in how to feed the starter and a few pages of instructions. “What does this have to do with investing, Penelope? You’re off your reporting beat.” Yes, I create strategies to help people retire with sustainable income and I cook and bake for clients.

So, what does it have to do with you? It has to do with investing, your aging, and your legacy.

If I had said, “No, thanks, I don’t like sour dough bread,” I would have been correct about my past experiences and I would have made sure nothing disturbed my prejudice against bread that wasn’t soft and buttery and heading toward a croissant.

We are continually presented with new ideas, products, and people. We can reject what is new and less familiar or we can allow ourselves to be open to something new that forces us to think out an idea or try something we have not tried before.

Evaluating something new takes energy. Think about visiting a city or country for the first time. It takes a lot more mental energy to navigate the routine actions of the day. New ideas demand energy.

If you are presented with a type of investment that is not familiar but seems to have value for you, do you say no, or do you expend the energy to learn? The effort to evaluate new things with an open mind is a critical way that you can continue to grow and also remain relevant to others. One way we can stay relevant no matter our chronological age is through being thoughtful of others and nurturing bonds of love. Another way is making conversation that shows curiosity and the interest in ideas. Both are about saying “Yes” to what’s around you.

The priceless legacy you give those you love is your example of the courage to think thorough choices especially the most difficult ones that life thrusts on you. More important than any things or money you pass on to others, is your example of how you got through tough times, made significant decisions and did not retreat into a world of preconceived and limiting views of everything.

Saying “Yes” to a sour dough bread starter is a simple example of flexing the “Yes” muscle. There are endless such small commitments that can help train us to say yes. Yes, I’ll entertain this idea, or person, or restaurant, or new musician or investment or vacation spot. Yes, gives us a chance to enlarge our lives. And yes, I have made dozens of loaves of delicious bread because I didn’t let my preconceived idea narrow my experience. Send me an email, I am happy to exchange recipes with you.

Penelope S. Tzougros, PhD, ChFC, CLU. Financial Planner, Author, National Speaker. Wealthy Choices.com.

51 Sawyer Road, Suite 340, Waltham, MA 02453. Direct to Penelope 781 577 2311.

How You Spend Your Money Says A Lot About Who You Are

You vote every day as you spend your money. You endorse this brand over that, this vegetable over that. Maybe one reason so many people like to shop is that making choices is empowering and feels like an expression of your individuality.

The marketing industry has studied how we make decisions. They study whether we look left or right when we enter a department store and what colors and signs get our attention. Their brilliant skill can make it hard to resist buying something that was not on our list when we entered the store.

Another pressure on our spending is the behavior of our friends and colleagues. In the pre-Covid-19 days, suppose your office mates and boss decided to go to a local restaurant for camaraderie and a meal. You are new to the office and you are also in a period of being especially careful with your spending because you are paying down a credit card as fast as you can. You order a modestly priced entrée and nothing extra. Everyone else is ordering drinks, appetizers, and desserts.

The others decide to split the bill the way they always do. Oops. Now you are paying for food and drink that you did not consume. Because you are new, you are not comfortable being the only voice to say, “No, I’m just going to pay for my meal.” What’s the risk if you say that, and if you don’t? The good news is you were on track to do what is best for you and temporarily you are pushed off course.

Your plan to be careful is in conflict with wanting to be accepted into the group. You acquiesce and make a note to self to avoid going to dinner with this crowd. Your response is understandable even if avoiding situations may not be the best long-term solution. Gradually we can become more graceful in handling these challenges.

Another example of how we can go off track is moving too fast, not giving ourselves time to think. If we are going to be true to ourselves and do what is in our own best interest, we need to count to ten and ask: If I spend this money on this whatever it is, does it reflect my values? Does it advance my goals?

Tell me how you spend your money and I’ll tell you who you are.

Yes, you vote your values when you spend money. As a financial planner, I’ve reviewed innumerable analyses of cash flow. They tell a story about what you value most.

Test this out. Make a list of what you spent in the last week or two or longer. Where did the money go? If you could call those dollars back, would you? In what ways are you better off because of what you spent? If you are not better off, you can make a course correction now and enjoy more of what really matters to you.

Money choices like other choices we make come from something deep in us. Allow yourself the fascinating exploration of what’s running you, what’s pushing you into your decisions.

When you gain more control and focus, you can delight in being the best of yourself.

Penelope S. Tzougros, PhD, ChFC, CLU. Financial Planner, Author, National Speaker. Wealthy Choices.com. 51 Sawyer Road, Suite 340, Waltham, MA 02453. Direct to Penelope 781 577 2311.

Are You Blocking Your Own Financial Success?

Post author By Dr. Penelope
Post date September 10, 2020
Categories In Blog, Investing, retirement calculators

Are you getting in your own way? Sometimes we ourselves are the roadblock to what we want for our financial future.

Here are a few ways this happens in relation to growing your assets:

Impatience. You invest and expect great gains in a short time. When that does not happen, you dump that investment and search for another.

A better approach is to keep an investment log. Here are some useful entries:

Date: Buy xyz at such and such a price

Reason: I bought it because….

Target: I expect it to do ….. by such and such date…..

Date: Sold xyz at such and such a price

Reason: ………………….

Gain/loss: ……………………….

After a month, look at the investment, did it continue to decline or grow? _____

Your evaluation of your buy and sell decisions ______________

This sort of investment log helps you look clearly at your choices and gives you data to help you make further decisions. The log can help you see if you are the problem. Did your emotions get in the way? Did you get spooked by the action of the investment and sell when you should have been patient and held on? Did you forget to do more research to back up your decision?

Fear of the unfamiliar. It’s likely that you are familiar with some investments. When someone brings to your attention an investment that is unfamiliar, what do you say? “No, thanks.” Maybe that quick response is triggered by a vague recollection that your aunt had a bad time with that sort of investment. Do you automatically push away whatever is not in your comfort zone?

A better approach is to learn. It does not mean you must invest, but it does mean you are open to knowing what else is available to you that could be a benefit to you. You ask questions and learn about the investment’s capabilities, limitations, and risks. Then, you make a reasoned decision.

Inaction. There are abundant reasons for not investing- the market is volatile; I don’t know enough about investing; I missed the lowest prices; I don’t have enough spare cash; I don’t want to tie up my money, and many more reasons.

A better approach is to start with some dollar amount and add it to savings if there is no investment that you are comfortable with. Be consistent with a dollar amount, just as you would be with a rent or mortgage payment. You can build up the account. In the meantime, learn about an investment that interests you; whatever it is, study it. When you feel confident, invest what you have saved. If no investment seems worthwhile, keep building up your savings.

Very risk averse. You can be afraid of risk and just invest in bank instruments if you are willing to save more and maybe live below your take home pay. The reason is that you have to set aside more dollars if your investment earns 1% rather than 8%. Here are some hypothetical examples to explain living below your means as a very risk averse investor.

Hypothetical example one: Suppose you invested $1,000 then $200 every month for five years and the hypothetical interest rate was 1%. You might have at the end of five years about $13,293. You would have contributed $13,000.

https://www.Investor.gov/financial-tools-calculators/calculators/compound-interest-calculator.

Hypothetical example two: same investing but the interest rate is 8%. Your future value might be $15,549 and your total contributions $13,000.

Hypothetical example three: to achieve roughly the same target of $15,549 at one percent, you would invest the initial $1,000 and then $236.85 monthly for five years. The total contribution is $15,211.

Notice in example two, you invested only $13,000 not $15,211 to reach the target of $15,549.

These are modest numbers but if we scale them up to contributions needed for retirement you would see a much greater difference in the amount you need to contribute each month to get to the same goal.

Hypothetical for Retirement

Suppose you have an IRA and you contributed $6,000 which is currently the maximum contribution for those over 50. Then every month you contributed $500 for 25 years at 1%. You might have $177,153 and you contributed $156,000.

If you invested in the same pattern but the hypothetical investment earned 8% you might have $479,726 and you contributed only $156,000

To achieve the same hypothetical $479,726 at 1%, you would have to save

about $1,300 monthly not $500 monthly. To do that you might have to cut back on your other spending for daily life.

If you want to avoid the risk of the markets and their volatility, consider how much more you should set aside to reach your goals. You may be blocking the growth in your portfolio by investing too few dollars or by investing at low interest rates.

Onward

Of course, you should invest in a way that does not frighten you when you hear the daily market reports, but you should be aware of how your personality is determining the tradeoffs you are taking. If you are in our own way, think about how you can stop blocking yourself. Give yourself the mental space to reconsider what you are doing. If change is appropriate, make the change. A change may take effort but it’s likely better than being stingy with yourself or running out of money. Allow yourself to learn and think and find the best choices for your circumstances. Your money should help you enjoy your daily life, not squish it.

Penelope S. Tzougros, PhD, ChFC, CLU. Financial Planner, Author, National Speaker. Wealthy Choices.com. 51 Sawyer Road, Suite 340, Waltham, MA 02453. Direct to Penelope 781 577 2311.

Budgets and Diets Can Be Detrimental

Post author By Dr. Penelope
Post date August 29, 2020
Categories In Blog, Investing

They are saying, “No.”

In my experience, kids don’t like to hear “No,” and neither do many adults. There are lots of examples of adults getting angry when they’re told, “No, you can’t do that,” or when they are corrected or told they are wrong.

So, do we abandon all hope of improvements? Do we say there are no standards?

Is carrying a lot of extra weight good for your body? Is carrying a lot of debt good for your finances? No. However, we are people with desires. Numbers are orderly and obey without dispute the signs for addition, subtraction, and multiplication. But when we look at numbers, we drown them in emotions and aspirations.

One person earns $40,000, another earns $400,000 and those numbers inevitably lead to discussions of values, economics and much more. However, for each of us, our budgets and diets are lived on a daily basis and are mostly in our control. By which I mean that if we are fortunate to have income at this time, we pay taxes and we decide how much is contributed to retirement. The rest of our money is guided by our daily decisions, and desires.

How we spend our money and what we eat are both related to our value system. What do we value? If we value good health, our food choices will support good health. If we value cash flow stability, we will not overspend even if we are tempted by the latest “I gotta have that” impulse.

These values are internal, unlike budgets and diets which by their nature set up an incipient rebellion in many people. We are referencing our values when we pass up willingly the greasy, salty yummy food or the sweet, gooey delicious food. We are living in our values when we save money to buy something instead of adding more debt to have instant satisfaction.

These are all hard things to do unless we have a vision of what we really want in our lives and we can keep that vision in front of us. One way to help stay on track is to pull away from the demands and noise around us. Write down what matters to you. What is it that you value? It can be a simple list in two columns: I want this in my life, I don’t want that in my life. Under each item, state one thing you can do to make that a reality.

If the list has just a few things, that’s fine. It’s a place to begin to encourage yourself to be yourself, to live in harmony with your values and not be pushed and pulled by forces outside you.

There are a number of other exercises that can help, and I am happy to share them with you if you want to continue this line of thought. These work if you’re just starting out or well into retirement. Many people I have worked with have been star examples of living through their values. One woman started working with me when she was 72 and is doing well at 88. Another is retiring early at 60 and her finances look good to age 100. A man who was so risk averse that his money was only invested in bank instruments, retired a millionaire because like the others, his choices and spending were aligned with what really mattered to him. None of them earned high salaries, but they are debt free, and doing well.

Living from your values can lessen stress and increase your smile quotient. Aren’t both worthwhile and more meaningful than living with restrictions imposed on you? Claim your life and enjoy good food and a sound financial situation.

Penelope S. Tzougros, PhD, ChFC, CLU. Financial Planner, Author, National Speaker. Wealthy Choices.com. 51 Sawyer Road, Suite 340, Waltham, MA 02453. Direct to Penelope 781 577 2311.

What Covid-19 Is Helping Us Learn About Our Lives and Money

Post author By Dr. Penelope
Post date August 20, 2020
Categories In Blog, Finance

It does not matter to the Covid-19 Pandemic if you’re careful with money or a spendthrift. Its virulent impact reminds us of things we know and forget and relearn. What are some things we are discovering or relearning about ourselves, our lives and our money?

Enjoying your own company. People who live alone may have an advantage here. A friend I spoke with today described with delight the tiny leaves and blossoming of the tree that takes up most of the view out of her window. The rest of the view is the parking lot. She’s physically on lock down in her small apartment in assisted living, but her spirit is open and free to take in the awesome start of spring. Encourage the dialogue in your head to talk about wonders.

Talking with loved ones. How much of what you say to your loved ones is about the tasks, logistics, and scheduling of the day? In which conversations do you explore all the non-practical stuff that knits our personalities together? What might you learn about the person you love if you asked questions like: tell me about people who made a big difference in your life? What matters to you so much that you would give your life for it? What is it about that movie you watched ten times that makes it such a favorite?

You get my drift and no doubt you have better questions than these. How I wish I had been aware enough to ask my beloved parents more questions so that my view of them was not boxed as a child’s view. I wish I had asked them what tough decisions they faced; what they feared; what gave them strength; what got them through the Depression and the WWII years? How little we really know about the people we love.

Spending time and money. We do say “spend” in relation to time and money because they are limited, and we must calculate their use. We can kill time, and waste money or we can be purposeful in using both. Because of the pandemic, many of us have been told to stay at home and not go to work. Money is tight and time is loosened from orderly schedules. Free time is nice, but it doesn’t feel like a vacation when you’re afraid you will run out of money and get sick. What to do?

Ask this question: is this the highest and best use of my time and my money? To stretch your money, be sure that what you are buying is a need, not a luxury. Medicine and food are needs but redecorating the living room is probably a luxury. Spending time with people you care about by phone or Skype or Facetime is a need. Another best use of time is to declutter and organize your home, and your financial records. What you do with time or money especially now should improve your relationships, and skills, or discover and express the values that make you you.

Ignoring your portfolio. Many investment accounts have paper losses. They are not actual losses until you sell an investment at that low price. It takes historical perspective to be patient and not panicky about market declines. Market recoveries are a bit like the full recovery from knee replacement surgery. They take daily working at it. Ignore your portfolio unless you think this is the time to buy into the market at bargain prices. If you see an opportunity, spend your time researching, and asking questions, then make your investment.

Each of the suggestions has the merit helping you feel more in control of the intimate part of your life, the part that matters to you and those you love. At the same time, we acknowledge what is beyond our control as we mourn the loss of those taken by the pandemic. Our tribute to them is to learn from this heart wrenching time and to live more fully, more consciously, more attuned to the best in us for their sake.

What to do?

Enjoy your own company- find what is special in your life and celebrate it.

Talk with love ones- pull closer to those you love and know them more deeply.

Spend your time and money purposefully – what will make your life better when you are on the other side of this pandemic?

Ignore your portfolio- keep an historical perspective and learn more.

Our county and the world are full of people of good will, intelligence, creativity, courage and determination. Together we will get to the other side of this.

[email protected]. In all 50 states, Penelope S. Tzougros is registered with, and securities and advisory services are offered through, LPL Financial, Member FINRA/SIPCShe is affiliated with Bay Financial Associates, LLC. Financial Planning is offered through Wealthy Choices® and Bay Financial Advisors, Inc. Both are registered investment advisors. Neither is a broker-dealer nor affiliated with LPL Financial.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful

Is a Reverse Mortgage Right for You?

When you retire, how will you cover rising expenses? If you think that a reverse mortgage is a worthwhile option to close the gap between income and expenses, please be cautious.

Click the link below to read “Is Reverse Mortgage Right for You?” to learn more about the important factors you need to be aware of in your decision.

May 4, 2020 – Is a Reverse Mortgage Right for You? – https://seniorplanet.org/reverse-mortgage/

Is It Time to Move?

Post author By Dr. Penelope
Post date July 13, 2020
Categories In Blog, Retirement

While your home may be lovely, packed with memories and a haven you say you may never want to leave, it may also be a hazard in retirement. Sound surprising? Click the link below to read “Is It Time to Move?” to see the key questions you need in determining if your home will continue to be a haven or hazard for your retirement.

March 6, 2020 – Is It Time to Move? – https://seniorplanet.org/is-it-time-to-move/