When planning for life as a senior citizen, it would be smart to include Long Term Care on that bucket list. Statistics show that 70 percent of people over 65 will need long-term care services of one kind or another, and it can be very expensive.
Medicare coverage will not pay for most of the long-term care services that may be needed. There are federal public programs, such as the Older Americans Act, that pay some long-term services, but like Medicaid they target people with the most functional and financial need.
People are having to make tough financial choices today, but many don’t have to wreck their credit scores if they know how the system works.
With the same amount of money, you can make decisions that kill your credit score or ones that keep your score – or at least give you the ability to rebuild your score quickly later. Most people have wrong or little information about
how the system works, and that’s a big reason scores go down when difficult decisions are made during a recession.
There are three common misconceptions that needlessly lower credit scores.
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