http://financialcaplan.com Estate and Financial Planning for Canadians Mon, 12 Apr 2010 03:13:35 -0400 http://wordpress.org/?v=2.8.6 hourly 1 http://financialcaplan.com/?p=1918&cpage=1#comment-2575 missnb20 Mon, 12 Apr 2010 03:13:35 +0000 http://financialcaplan.com/?p=1918#comment-2575 that was a non-answer answer that was a non-answer answer

]]> http://financialcaplan.com/?p=1918&cpage=1#comment-2574 riscario Mon, 12 Apr 2010 02:34:16 +0000 http://financialcaplan.com/?p=1918#comment-2574 missnb20 is right. This is ING Indirect :)The simple question called for a quick simple yes/no/maybe answer. Not impressed. missnb20 is right. This is ING Indirect The simple question called for a quick simple yes/no/maybe answer. Not impressed.

]]> http://financialcaplan.com/?p=1918&cpage=1#comment-2573 everydayadventuring Mon, 12 Apr 2010 02:04:19 +0000 http://financialcaplan.com/?p=1918#comment-2573 Hi! I really like your videos, I just subscribed. It's great to see a video from back in Canada. I just started my own vlogs about my travels. You might like them. Hope you have a chance to check them out (and if you like them please subscribe!). Take care and keep up the videos! Will there be more soon? Hi! I really like your videos, I just subscribed. It’s great to see a video from back in Canada. I just started my own vlogs about my travels. You might like them. Hope you have a chance to check them out (and if you like them please subscribe!). Take care and keep up the videos! Will there be more soon?

]]> http://financialcaplan.com/?p=1916&cpage=1#comment-2512 watch4david Sat, 03 Apr 2010 15:49:49 +0000 http://financialcaplan.com/?p=1916#comment-2512 One I have a friend and he thought he was prepared. he bought long term care insurance and paid for in for years with one of the big companies. Well when he needed it, it would only pay $165.00 per day which is about half of what he needs which means his policy is worthless to get him care. Also he has no money saved . With no money you cant even get started to use the policy because you have to pay for the first two months before they reimburse you. Be care full read the fine print. One I have a friend and he thought he was prepared. he bought long term care insurance and paid for in for years with one of the big companies. Well when he needed it, it would only pay $165.00 per day which is about half of what he needs which means his policy is worthless to get him care. Also he has no money saved . With no money you cant even get started to use the policy because you have to pay for the first two months before they reimburse you. Be care full read the fine print.

]]> http://financialcaplan.com/?p=1916&cpage=1#comment-2511 watch4david Sat, 03 Apr 2010 15:22:52 +0000 http://financialcaplan.com/?p=1916#comment-2511 One other thing most care facilities want 6 months fees up front before they will admit you. Lots of seniors use up theirs saving before they claim their long term insurance and then its too late. With the policy my friend has when he applies at care facilities they want him to apply for medicaid and sell his home. Also most insurance companies can raise their rates anytime they feel like it. I just read where on company raised their rates 11 percent. Get a fix rate if you can One other thing most care facilities want 6 months fees up front before they will admit you. Lots of seniors use up theirs saving before they claim their long term insurance and then its too late. With the policy my friend has when he applies at care facilities they want him to apply for medicaid and sell his home. Also most insurance companies can raise their rates anytime they feel like it. I just read where on company raised their rates 11 percent. Get a fix rate if you can

]]> http://financialcaplan.com/?p=1915&cpage=1#comment-2453 bigc028282 Thu, 01 Apr 2010 18:03:43 +0000 http://financialcaplan.com/?p=1915#comment-2453 Pain in its self is a mental disability. Than you can add the meds to try to diminish it. It's a cycle that really sucks.Multi-level decompression laminectomy, pedicle screws, fusions 360. Ended up worse than I was before I had it done. Half the time I wish my legs were gone, they hurt so bad. Took me over 2 years to SSDI. Sorry for your pain. I hope you have figured it out. Pain in its self is a mental disability. Than you can add the meds to try to diminish it. It’s a cycle that really sucks.Multi-level decompression laminectomy, pedicle screws, fusions 360. Ended up worse than I was before I had it done. Half the time I wish my legs were gone, they hurt so bad. Took me over 2 years to SSDI. Sorry for your pain. I hope you have figured it out.

]]> http://financialcaplan.com/?p=1915&cpage=1#comment-2452 miasansom Thu, 01 Apr 2010 17:49:15 +0000 http://financialcaplan.com/?p=1915#comment-2452 I had a discectomy in my lowwer spine 2 years ago. Helped me to walk again but since then I have deteriorated. Now I have edema of the spine and need a walker to get around at 40 years old and my cognition and memory is affected, etc... Can't work. I live paycheck to paycheck and am out of money now and starting to become hopless, it's hard to deal with pain 24/7 and get things done. Thanks for your video. You are awesome for doing this for people. May God bless you. I had a discectomy in my lowwer spine 2 years ago. Helped me to walk again but since then I have deteriorated. Now I have edema of the spine and need a walker to get around at 40 years old and my cognition and memory is affected, etc… Can’t work. I live paycheck to paycheck and am out of money now and starting to become hopless, it’s hard to deal with pain 24/7 and get things done. Thanks for your video. You are awesome for doing this for people. May God bless you.

]]> http://financialcaplan.com/?p=1915&cpage=1#comment-2451 zackboy105 Thu, 01 Apr 2010 17:14:29 +0000 http://financialcaplan.com/?p=1915#comment-2451 you look awesome with out a hat too i like you hair mine allways flicks up lol you look awesome with out a hat too i like you hair mine allways flicks up lol

]]> http://financialcaplan.com/?p=1915&cpage=1#comment-2450 haroldsays Thu, 01 Apr 2010 17:06:24 +0000 http://financialcaplan.com/?p=1915#comment-2450 A strong medical opinion is essential in getting a favorable determination from the SSA. Thanks for sharing this valuable insight. A strong medical opinion is essential in getting a favorable determination from the SSA. Thanks for sharing this valuable insight.

]]> http://financialcaplan.com/?p=1915&cpage=1#comment-2449 7514328 Thu, 01 Apr 2010 16:43:12 +0000 http://financialcaplan.com/?p=1915#comment-2449 Davieboy1970: Many attorneys recommend that a strong medical opinion from the doctor will help. Davieboy1970: Many attorneys recommend that a strong medical opinion from the doctor will help.

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