The Gunfight at the OK Corral: Fact, Fiction, and Finances

 

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Assisted Living Respite Care

The Sun Valley Lodge assisted living respite program fills a key need in the community for short-term care.  Respite care is a great solution for seniors needing a little extra help after an illness or hospital stay. It is also used to help out when family members are not able to care for a loved senior for a few days due to illness or a vacation. Sometimes people use our respite apartment just to get a feel for Lodge living and to decide if we are the right place to make home.

For respite care guests stay in fully furnished studio apartments and their package of services includes three meals a day in the Lodge’s dining room, assisted living care from certified caregivers, transportation to local medical appointments, and access to all campus activities.  It also includes any assisted living services we offer including medication management, bathing, transporting, and dressing.  There is a two-week minimum stay in our respite apartments.  Please give us a call if we can help with your short-term assisted living needs.

Happy Valentine's Day at Sun Valley Lodge

Five Questions to Consider Before Purchasing an Annuity

Annuities can be a valuable tool when planning for retirement, but one should think them through thoroughly before making a decision.  The following five questions are a good place to start your investigations.

1.  What are your retirement goals and objectives?

It is important that you understand your stage of retirement and
define your personal retirement goals.  Give careful consideration to your plans for lifestyle, travel, second careers, and when you expect to retire.

 

2. How long do you expect to live in retirement?

Americans are living longer, and it is more common for them
to spend 25 or more years in retirement. Projecting your life
expectancy will help ensure your savings will sustain your
envisioned retirement lifestyle. Estimate your own life expectancy
considering such factors as your current health, the life spans of
immediate family members, and your current lifestyle.

3.  Do you need supplemental retirement income?

An annuity can be used to supplement your other retirement income
sources by providing payments that cannot be outlived to help
cover expected living expenses. Calculating the "gap" between
available retirement income (Social Security, a pension and
savings) and your essential living expenses (housing, insurance,
etc.) can help determine how an annuity can be of value.

4.  How can an annuity help meet your retirement needs?

An annuity is the only personal retirement product that provides a
guaranteed paycheck that cannot be outlived. In addition, deferred
variable annuities allow you to take advantage of tax-deferred
investment growth, while providing "living benefits" offering
insurance protection against downside market risk and a variety of
options to access your money. Annuity death benefits offer
additional protection of your assets.

5.  When will you need access to the money in your annuity?

One feature offered by many deferred annuities is the ability to
withdraw a portion (e.g., 10-15 percent) of the initial investment
each year without surrender charges. Many annuities also provide
you with full access to your money -- also free of surrender
charges -- in situations of serious illness.

February 2013 HCC Activity Calendar

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Discover Arizona 2013

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February 2013 Assisted & Independent Living Activity Calendar

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