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Will or Trust My basic understanding of wills and trusts indicate that a will does not take effect until you die, while a trust can work for you while you are still alive and also after death. We have no children, no real estate, no pets. We may have some bequeaths once the last one of us...

What to do in retirement We've met a lot of retired folks who say "how did I ever find the time to go to work?". Others are probably wondering what they are going to do all day. We know someone who was a high level executive who lost his job due to a re-org and found himself "retired". He...

TransAmerica rate increase on 3/6/15 If you are in the market for LTC Insurance and are considering a policy from Transamerica, I understand they are making changes to the inflation protection rider and raising premiums for new policies, effective 3/6/2015. So if you are going with...