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I'm caring for my elderly parents. Anything I should know?


Fri, Mar 25th, 2011
Posted in Ask the Expert



There are many issues that come up when a child is caring for an elderly parent. The major issue is compensation and how that affects estate planning and medical assistance eligibility.



Most people don't initially want to charge their parents for giving

them care. However, the parents and all children need to discuss the reality of the cost of transportation, time off from work, and the cost of food, etc., for live-in care that the child providing the care will expend. It can be extremely helpful for everyone to have their expectations in writing through a personal care agreement.



More importantly, the reimbursement or compensation given under the agreement will not be considered a gift, preventing a tax liability for the parents and preventing a period of ineligibility for medical assistance. However, such an agreement may have tax implications for the children.



Our office can help you determine if a personal care agreement may be right for your family.

Springer & Gumbel, P.A.

141 W. Fillmore St., Preston, MN

Phone (507) 765-3600

What is Proheart 6 and is it right for my dog?

Fri, Mar 25th, 2011
Posted in Ask the Expert

Proheart 6 is an injectable medication that is used in healthy dogs 6 months of age and older to prevent heartworm disease continuously for six months. The benefits of this type of heartworm treatment are that you would no longer have to remember to ..... 
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Home Insulation

Fri, Mar 25th, 2011
Posted in Ask the Expert

When the wind whips outside your home and temperatures plummet, you may start to think of your home's insulation and wonder if it's adequate. Sealing and insulating your home can save you up to 20% on heating and cooling costs. Whether you are fighti ..... 
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Is it better to maintain my engine's oil level at the full mark or wait until it reaches the "add" mark to add oil?

Fri, Mar 25th, 2011
Posted in Ask the Expert

Most vehicle manufacturers say it's okay to wait until the level reaches the add mark to add oil. But considering that the crankcase capacity on most passenger cars today is only four quarts, running the engine 25% low on oil (one quart) may not be w ..... 
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When should or shouldn't I file a claim?

Fri, Mar 25th, 2011
Posted in Ask the Expert

This is a question that gets asked frequently. It can depend on a number of factors. If this is a Property Coverage loss: 1. Is this going to exceed the deductible? If you know for sure it won't, then it is probably best to go ahead and have the repa ..... 
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What are the different types of Massage?

Fri, Mar 25th, 2011
Posted in Ask the Expert

There are two types of massage therapy: 1) Massage designed for relaxation

2) Massage designed for pain management

There are over hundreds of styles of Massage.

 Acrosage - Combines massage, yoga, acrobatics. The client i ..... 
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Q: How can I qualify for the lowest Interest rate on a mortgage loan?

Fri, Feb 25th, 2011
Posted in Ask the Expert

A: In order to qualify for the lowest interest mortgage rates lenders will look at 3 main factors.

CREDIT SCORE - A credit score of around 750 will help you qualify for the lowest rate. Your FICO score is based on 5 things: payment history, am ..... 
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Why should I pre-plan my funeral?

Fri, Feb 25th, 2011
Posted in Ask the Expert

Pre-planning one's funeral can seem like a daunting task. In reality it's a simple process that we guide you through, giving you a sense of comfort knowing your wishes will be carried out. You will have the opportunity to choose the type of service y ..... 
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