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Lost 4 Limosine Calves brown 6-month old on Friday September 23 Stockdale between CR334 and 421 Yellow ear tags. Please call 210-887-5442

VideoLost: Our family cat, off 216 C.R. 240 in McCoy, he was wearing a very worn light green collar, no tags or chip. Message or call if found, 210-980-1199.

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Pecan orchard is hiring additional employees for busy harvest season, Oct. 1-mid Dec., Falls City area, will be working in processing plant sorting pecans or with harvest crew, full/part time, $10/hr. Call for more details, 830-484-3759, leave message. 
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South Texas Living


Help with finances




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Jim Miller
December 30, 2015 | 1,221 views | Post a comment

Dear Savvy Senior,

Can you offer any tips on helping an elderly parent with their finances? My 82-year-old mother is having some trouble keeping up with her bills, and I just found out that she has been making a lot of small contributions to suspicious charities.

Concerned Daughter

Dear Concerned,

Here are some tips and resources that can help you help your mom.

Have a Talk

The first step in helping your mom is to have a thoughtful and respectful talk with her, expressing your concerns, and offering your help in simplifying her financial life. If you have siblings, it can be a good idea to get them involved too. This can help you head off any possible hard feelings, plus, with others involved, your mom will know everyone is concerned.

Get Organized

If your mom is willing to let you help manage her financial affairs your first order of business is to get organized by making a list of her financial accounts, and locate her important legal documents. Your list should include her:

•Monthly bills: Phone, cable, water and trash, gas, electric, credit card accounts, etc.

•Financial accounts: Including bank accounts, brokerage and mutual fund accounts, safe-deposit boxes, and any other financial assets she has.

•Company benefits: Any retirement plans, pensions, or health benefits from your current or former employer.

•Insurance policies: Life, home, auto, long-term care, Medicare, etc.

•Important legal documents: A will, advanced medical directive which includes a living will and health-care proxy, and durable power of attorney which gives one or more people the legal authority to handle her finances if she becomes incapacitated. Make sure these documents are prepared.

•Taxes: Copies of income tax returns over the past few years.

•Contact list: Names and phone numbers of key contacts like insurance agents, financial advisor, tax preparer, family attorney, etc.

Seek Advice

If your mom has considerable assets or a complex financial situation, you and your mom should sit down with her financial advisor or attorney to review her situation. If she doesn’t have anyone, consider hiring a reputable fee-only financial planner who can help you figure things out and put a smart plan in place. Fee-only planners do not earn commissions by selling you financial products. They charge only for their services, which can be around $150 to $300 an hour. To locate one visit napfa.org or garrettplanningnetwork.com.

Simplify Financial Tasks

One of the easiest ways to simplify financial chores is to set up automatic payments for her utilities and other routine bills, and arrange for direct deposit of her income sources. You can have her bank statements mailed directly to you, so you can monitor what’s coming in and going out each month or set up her online banking service (if available), so you can pay bills and monitor her account anytime.

For more tips on financial caregiving, visit consumerfinance.gov/blog/managing-someone-elses-money.

If you need some help or live far away, you may want to consider hiring a daily money manager (aadmm.com, 877-326-5991) who can come in once or twice a month to pay bills, make deposits, decipher health insurance statements, and balance her checkbook. Costs range between $50 and $150 per hour.

Jim Miller is a contributor to the NBC “Today” show and author of The Savvy Senior. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org.
 

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