Joint tenancy is often referred to as a “poor man’s will” which is a simple and inexpensive way to avoid probate but it is not appropriate in many cases.  Except between spouses, joint ownership is usually a bad idea. Joint tenancy property passes to the surviving joint tenant, regardless of your Last Will. Despite your best intentions, there’s a trap in holding joint tenancy ownership with an adult child when trying to avoid probate or for “convenience” that you may not have considered. While you may achieve the goal of delaying probate at the first death, your hard-earned assets may…
The Case Study below is an excellent example of the FHA Reverse Mortgage Program being used as valuable retirement planning tool. Harold and Betty are clients that I have known for many years that have also grown to be good friends. I have helped them finance their homes and investment properties for many years. The Problem Harold and Betty are 62 years old and thinking about retirement in a few years. They are very concerned they will not be able to retire in the lifestyle they are accustomed to. They spent much of their working life providing for their family,…
Every day I speak to people on the many benefits of exercise and good nutrition. When I tell them about how they could live with vitality into their eighties and beyond their only question is, “When can I start?” One of my favorite authors Dr. Henry Lodge, M.D. wrote a book called “Younger Next Year.” In it, he writes “Some 70 percent of premature death and aging is lifestyle related. Heart attacks, strokes, the common cancers, diabetes, most falls, fractures and serious injuries and many more illnesses are primarily caused by the way we live. If we had the will…
The range of available housing and care services is wide, ranging from in-home caregivers to live-in facilities that can provide skilled nursing. Planning ahead for senior housing is not easy. The best anyone can do is to first become informed. Then, communicate early and often about the eventual life transitions. Next, organize the legal paperwork and start planning financially for long-term care. When the need arises make an educated and possibly even a professionally-supported decision about the best possible living situation. This includes evaluations of certain aspects of an individual’s current daily living needs and to consider their needs on…
The Ultimate Line of Credit Today’s reverse mortgages may include a line of credit that can have very flexible features. Many people are unaware of these features. This article provides a simple feature comparison of these two very different products. The advantages and disadvantages are compared side by side. Some homeowners are facing the very unfortunate consequences of having obtained a typical Home Equity Line of Credit (HELOC) from a bank that has now terminated and requires large monthly payments. Let’s compare that to a Reverse Line. Starting Rate & Annual Cap Both of these loans have starting interest rates…
Oct 10, 2015

Preserving Your Legacy

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As an estate planning attorney, one of the questions I get the most is how can I be sure that my kids aren’t going to just waste my money away once I’m gone? Most are concerned that there is nothing they can do, and their adult children are just going to spend their inheritance away without a care for what their parents would have wanted. And we also get many clients that think their family members should be just fine on their own, but want to save their kids some of the financial burden of dealing with their affairs when…
The suave hero is racing over moors, pursued by a small bi-plane, while on a hill to the side, a familiar figure watches. It is Alfred Hitchcock, who regularly shows up in his mystery thrillers. Except this isn’t cinema, it’s theatre, and old Alfie is a shadow puppet. It’s a scene from the enormously clever production of Patrick Barlow’s parody of Hitchcock’s The 39 Steps at Camino Real Playhouse. You’ve never seen anything like it. Parody has been around for a long time. Heck, Aristotle even had something to say about it. According to him, Hegemon of Thasos was the…
Oct 10, 2015

Paris in a Cup

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A boutique and tearoom worthy of the most iconic streets of the City of Lights We have a theory that almost everything is better when it’s French. Cheryl Turner knows it and her shop, Paris in a Cup, proves it. Paris in a Cup is a transporting experience. That is to say, once inside, you’re in Paris. Segmented into two unique experiences, Paris in a Cup greets you with a boutique where treasures from France abound (at very reasonable prices), where you can find a little beautiful something for almost anyone: imported and signature lines of tea, handmade cards, aprons,…
For the month of October, Orange Public Library has partnered with Fullerton Public Library to read Harper Lee’s To Kill a Mockingbird and brand new release, Go Set a Watchman. Join us in reading both books. We will also offer several programs to celebrate reading these books as a community. Programming will include book discussions, movie showings, a Southern cooking demonstration, a trivia contest, nostalgic games, music performances and more. There will also be an engaging speaking presentation called Law and Order: Atticus Finch by Constitutional Law expert and fellow literature fan, Dr. John Eastman of Chapman University. To Kill…
It seems as if not a month goes by where we read headlines proclaiming new medical breakthroughs. A recent headline and article in the AARP Bulletin caught my attention. In the article, Brave New Worlds in Diagnosing Diseases, several new promising diagnostic tests, including one about a new prostate cancer assay, were outlined. The test they discussed was captioned as a “less-guess” prostate test, the Oncotype Dx Prostate Cancer Assay test. While the AARP article implied that this was a brand new test, we’ve actually been using it at Pacific Coast Urology Medical Center for the past 6 months. We’ve…
Oct 09, 2015

Medicare: A + B = ?

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Where does D come in?   You are not alone. I get these questions all the time.   Many of you attempt to read the giant piles of information that has or will be mailed to you about 4 months before you turn age 65. Also, many of you attend Medicare 101 meetings only to walk away sometimes a bit more overwhelmed. In today’s age, insurance companies need to stay compliant for government regulations and therefore must go over every little detail of benefits so as not to mislead a senior. But, there is an alternative. Did you know you…
Oct 09, 2015

Managing Arthritis

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Exercise and Bodywork Keep Joint Pain at Bay The word arthritis strikes fear in the hearts of older adults. It often signifies aging, pain, inactivity, and disability. However, new research shows moderate physical exercise can actually ease arthritis symptoms by decreasing pain and increasing a person’s likelihood of living a normal life. Understanding Arthritis: The most common form of arthritis-- osteoarthritis, or also known as degenerative arthritis--affects more than twenty million Americans. Osteoarthritis (literally meaning “bone-joint inflammation”) is caused by wear and tear on joint surfaces and most frequently involves the hips, knees, lower back, neck, and fingers. More than…
Benefits of Quality Medical Compression Garments The lymphatic system delivers nutrients to body tissues and removes waste products. It operates similarly to the circulatory system but is a separate system. While the circulatory system relies on the heart to pump blood around the body, the lymphatic system relies on routine movement of the muscles and joints to push lymph fluid through the body. If a section of the lymphatic system is blocked or damaged, normal drainage may be slowed or stopped, resulting in swelling or lymphedema. The word “lymphedema” means swelling (edema) that results from the pooling of too much…
Hearing Loss just does not affect your ability to understand speech, it affects all aspects of your life. Seniors with Untreated Hearing Loss are significantly more likely to develop Dementia over time than those who retain their hearing or treat their hearing loss early. Multiple studies indicate that hearing loss can be linked to the onset of Dementia and Alzheimers Disease. Dr. Lin, over a six-year study (JAMA Internal Medicine. Frank R. Lin, MD, PHD. Hearing loss and Cognitive Decline in Older Adults) observed 1,984 adults with an average age of 77.4 years. Over the course of the study, tracking…
Oct 09, 2015

Healthy Aging

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Socialization leads to a better quality of life for seniors No one wants to spend most of their days at home alone with a television or having limited interactions with others. Isolation and loneliness is becoming an increasing problem in our busy, fast paced world. Be Self Aware Pay attention to your daily schedule or that of the loved one you care for. Focus on the type of activities that actually fills the day, and with whom? Many studies are showing that isolation and a lack of socialization can lead to memory issues as well as depression for seniors. Senior…
When a person reaches the half-century mark, it is time to start planning the details of a comfortable retirement. One of the most important of these details is providing for your own long-term care. Hopefully you have been saving for retirement for many years before your 50th birthday. Your savings (and related investments) will be your primary source of funding for retirement income (usually augmented by Social Security, pension income, dividends, etc.), travel and other fun things, “rainy day” needs, your share of health care expenses, long-term care for you and your spouse, and your legacy that helps the kids…
In the theatre, the turning of these seasons can tell us a lot: about theatres and their directors, venues and their audiences, experiences and their reception. each theatre has its own procedures for sifting through all the possibilities for production, as well as its own unique set of criteria for selecting its season’s offerings – but there are similarities, too. The artistic director(s) and their creative team must consider whether a particular play will satisfy their audience. Does the combined season provide variety, fun and some deeper thinking challenges? Are they choosing plays that are possible to produce within the venue?…
A Story of Courage, Resilience and Family When her father, Richard Bentley, entered Hospice Care of the West, Karen Garber, felt the palpable 11th hour strike on his life until documentary filmmaker, Jay Gianukos, arrived. From behind the video camera, Jay asked questions to guide Mr. Bentley and his family on a tour of his life that will now live on for generations. From his Park Terrace home in Rancho Santa Margarita, Mr. Bentley relived his days serving as a pilot in World War II, prison camp and the aftermath of the war that reminds me of the “Unbroken” movie out…
Depression can affect us all no matter whether we’re living a life of luxury or have lost everything in the economic upheaval. Depression does not skip you because of your social standing, bank account, accomplishments, even if there’s nothing but happy moments around you, why then would you still feel depressed? Research has found that the brain out of balance and the lack of harmony between the lobes can cause imbalances that could possibly lead to disorders such as depression, anxiety, insomnia and more. Most of us turn to medications, but these same medications can possibly cause the afflictions we are…
An interview with Robert Pugach, MD - one of the most experienced HIFU surgeons in the United States According to the American Cancer Society, almost 250,000 prostate cancer cases will be diagnosed annually in the United States and will result in 29,000 deaths every year. These are frightening numbers. But, with prevention strategies and education about new treatment options, you can help do a lot to prevent becoming one ofthese statistics. Dr. Robert Pugach, Medical Director of Pacific Coast Urology Medical Center, answers questions about concerns regarding the prevention, diagnosis and treatment of prostate cancer and how HIFU (High Intensity…

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