prepare for disabilityHelp protect your dreams by safeguarding your income.

For most of us, our ability to earn an income is the most important financial asset we have. By protecting your income, you help ensure your ability to pay your current bills and reach important financial goals and dreams — such as funding your children’s education and living a comfortable retirement — if you become disabled. With so much at stake, it’s easy to understand the importance of helping to protect your income now.

The following answers important questions about disability income insurance protection:

Q: What are the chances that a disability will happen to me?

A: Unfortunately, the truth is that there is a good chance that disability may affect you. Consider this:

• Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.1

Q: Won’t Social Security benefits replace my income if I am disabled?

A: For many, the answer is no. And for those who do qualify, the disability benefits provided by the Social Security Administration are often ...

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Mother's Day Gift IdeasMother's Day is such a special day for most of us, especially the older we get.  We have a better understanding of the value our Mother's provided to us all those years. Does your Mother who live in an Assisted Living, Nursing Home or a Memory Care Center?  If so, it can sometimes be a bit of a challenge to find appropriate gifts for those special holidays.  Here are some tips on gift giving.

If your Mother is in a nursing home you can always purchase new clothing.  As we age, we can easily fluctuate in size, so it might be a good idea to see how her current clothes are fitting to assure you are purchasing the right size.  It is always a good idea to label your Mother's clothing before leaving it with her.  There are iron-on labels available to make this easy.
Here are some more gift ideas for Mother's Day

House slippers (full back - non-slip sole)
Throw blanket (Make sure it is washable and tag it with her name)
New Family Pictures (Keep a family picture frame updated in your Mother's Room. Also an album with various pictures are good too)
Books ...

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If you are a Diabetic or have a Diabetic in your family, you might want to check out this recipe guide.  Lots of good recipes and information.

Don't forget to visit our Recipe section for more great dishes and senior cooking tips!

Alzheimer blood testResearchers believe there may be a blood test that can predict who is about to develop Alzheimer's Disease or early memory loss up to two years before first symptoms occur.  This test, developed by teams at Georgetown University and the University of Rochester, seem especially accurate in relation to past tests.  Alzheimer's affects more than 5 million Americans and it's projected to jump to 13 million over the next 35 years.  Head over to NBC News to read the rest of this article.

tax identity theftHave you wondered about identity theft lately?  This article from Reach Magazine, gives 7 tips to steer clear of the latest cyber crime.

Identity theft has hit online tax filing in a big way. The newest band of identity thieves file taxes online under stolen names to get fraudulent returns. The IRS issued about $3.6 billion in refunds for fraudulent tax returns in 2011, according to a report from the U.S. Treasury Department.

If you’re hit, it can take months to sort out the mess and clean up your tax record, says Scott Mitic, Senior Vice President of Equifax Personal Solutions. Here’s what you can do to help prevent tax identity theft before it happens.

1. File as early as possible.
Once a return has been filed under a specific Social Security number, the IRS won’t allow a second. If you file early, you’ll lessen the chances of a thief filing in your name.

2. If you can’t file, get a PIN.
Filing early may not be feasible. However, if you know you’ll be filing electronically, go to the website and get your electronic filing personal identification number (PIN) number. Without that PIN, you — or anyone else — can’t ...

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Take a look at Contributor, Michael Ruggiero's newest "Your Money Matters" spot on WGN regarding Market Expectations & 2013 Tax Tips. Please leave us any questions you may have on the topic. Also, don’t forget to check out Michael Ruggiero’s You Tube page for more informative videos on retirement planning!

Thank you to Michael Ruggiero, MBA | Financial Advisor with Ameriprise Financial Services, Inc. for sharing this information. Visit our Financial Planning section to read some of Michael’s articles on retirement planning.  Don't miss the two articles that relate to this video:

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