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Ruth is 87 years old this year and has been living alone since 1997. She is in good health, however the daily chores around the home became increasingly difficult. Ruth turned to her church bulletin and found a 'Home Care Company' advertised.Ruth is not unique in the fact that she is widowed and lives alone. According to the ?2002 A Profile of Older Americans? published by the Administration on Aging (http://www.aoa.gov/aoa/stats/profile/4.html) 41% of women age 65 and over, are widowed and live alone.?The ad was in the church bulletin, I assumed this was a good company,? her voice cracking from the pain and embarrassment this home ...

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Five steps to start a solid succession plan(NC)-The statistics are worrisome. About 70 per cent of family businesses never make it to the second generation, found a recent Grant Thornton research study. A stunning 90 per cent of family companies go bust before a third generation can take over the management of the firm. Poor succession planning appears to be the primary culprit for these dismal statistics, according to the study Finding the Right Balance.Key concerns of a succession plan for Canadian businesses need to address these five steps:evaluate the tax consequences of any succession planconsider the future economic needs of ...

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(NC)-Congratulations, you have contributed the maximum amount to your RRSP. So now what?"At this point," says Anita Prescott, a certified financial planner (CFP) and Winnipeg-based financial adviser with CIBC Imperial Service, "it's best if couples can work with a dedicated financial adviser to really look into their net worth (the difference between what you own and what you owe)." And to maximize any potential gains, Prescott offers some insight for families working together to invest and grow this net worth.Take advantage of the benefits of a spousal RRSPWhile the contributing spouse will realize the immediate tax savings from ...

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An Ann Landers column "Parenthood is not a job for the weak at heart" caught my interest.Job Description for a ParentPosition: ParentJob Description: Long-term player needed for challenging, permanent work in chaotic environment. Candidates must possess excellent communication and organizational skills and be willing to work evenings and weekends and frequent 24 hour shifts. There is some overnight travel required, including trips to primitive camping sites on rainy weekends and endless sports tournaments in faraway cities. Travel expenses not reimbursed.Responsibilities: Must keep this job for the rest of your life. Must be ...

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Do you own your own home business? Is your family involved with your daily business? Yeah, I know at times it seems easier to just do everything yourself. It is an easy trap to get into. Why take the time to explain the job, show them how it should be done, make sure it is done properly, and then possibly have to redo the project if it is not done to your liking? Yes, we have all been through this at some point. The question is: what are you going to do about it?You basically have two options: Do everything yourself or invest the time to get your family involved. For me, the second one is the ONLY option.First off, if you are doing ...

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Buying or selling a home can be one of the most life changing decisions a consumer makes. Being educated about the real estate process and investigating things you don?t understand is essential. Working with trustworthy and communicative real estate professionals is important. A lot of money is on the line when purchasing or selling a home, so be sure to ask questions when you need to about charges, fees or other issues.You Gotta Have Faith!Three days after an initial application has been submitted the lender must provide a Good Faith Estimate of settlement costs (GFE). The GFE is a list of closing charges and the HUD settlement ...

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As the mother of a teenage clothing fanatic I'm often at my local mall. It occurred to me that the shopping experience for my daughter is attractive to her not because she wants to spend my money, but because the experience of buying itself is so rich to the senses.For example, when we enter her favorite stores the first thing that hits me is the music. If it's her kind of music, we're in the right place for her. If the signs near the front of the store have sale prices and notices about markdowns, we're in the right place for me. Immediately there are two user needs met. Mother's and daughter's.Next, for me, is how products are ...

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Don't loose Medicaid Benefits because of a Living Trust!My grandmother recently responded to a post card advertising piece received in the mail. The company that sent the post card eluded that they were 'approved' by AARP and made the claim "The Choice is Yours: Sacrifice Your Assets to the State or Protect Your Loved Ones."Grandma did not think to call me, or anyone else in the family. She thought this post card was expecting her response, and so she called and set an appointment for the company's representative to visit her at home.This representative created 'common ground' almost immediately with my grandma. One quick look ...

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