Teresa Bear

Company: JC Grason of Mesa, LLC
Position/Title:
CFP, CPA, MCA, IAR
Phone:
480-503-0050
E-Mail:
Click Here
Website:
http://www.TeresaBear.com
Facebook:
http://www.facebook.com/pages/JC-Grason-of-Mesa/146137045487645
Twitter:
http://twitter.com/teresabear
LinkedIn:
http://www.linkedin.com/in/teresabear

Bio

Author of the book "She Retired Happily Ever After", Teresa Bear specializes in retirement planning and asset preservation for retirees and their loved ones. Teresa Bear has been a CPA practicing in the area of taxation for over 25 years. Additionally she is a CERTIFIED FINANCIAL PLANNER who combines that tax knowledge with her expertise with investments. She is definitely “Smarter Than the Average Bear!" Investment Advisory Services offered through Brookstone Capital Management, LLC, an SEC Registered Investment Advisor. Brookstone Capital Management, LLC is not affiliated with JC Grason of Mesa LLC.

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A Lifetime of Wisdom

18 November 2014, 7:15 pm

In contrast to popular perception, young adults do not rule. In fact, the 18 to 44 age group currently comprises 36.4 percent of the population, while those age 45 and up represent 40.3 percent. Of course, if you play your teenage child or grandchild in basketball or try to wear the same size dress you wore before having children, being part of the demographic majority may not seem like much of a win.

But the older people become, the more they tend to develop a perspective on what they've learned and gained versus what they still want out of life. In other words, a lifetime of wisdom might be worth more to you now than a 32-inch waist.

[CLICK HERE to read the article, "So How Many Millennials Are There in the US, Anyway?" at MarketingCharts.com, June 30, 2014.]

When it comes to your health, you may not feel as good as you did when you were younger, but many people start eating better as they get older. Gone are the pizza deliveries at midnight and fast food binges on the way to meet friends. We get smarter, become more diligent and begin to notice the way certain foods (and drinks) make us feel and affect our body.

[CLICK HERE to read the article, "How to Old-Proof Your Body (While You're Still Young)," at GQ magazine, Oct. 2014.]

In terms of work, as we age through our careers, we get a feel for what type of work we truly enjoy and what type of environment works best for us. This knowledge often comes through a process of trial and error, but it generally comes. Even if we remain in a less-than-satisfactory work environment for the sake of earning a living, at least we become well aware of what works, what doesn't and why.

[CLICK HERE to read the article, "America's oldest workers: Why we refuse to retire! The Wal-Mart worker," at CNN Money, Oct. 1, 2014.]

[CLICK HERE to read the article, "America's oldest workers: Why we refuse to retire! The park ranger," at CNN Money, Oct. 1, 2014.]

One life skill often overlooked is the ability to fail -- and learn from it. Sadly, it takes years for many young people to learn this lesson, and once they learn it they may not be young anymore. The good news is that eventually most people learn this critical survival skill: The development of an internal voice that says, "I can overcome this. I can do this." Not only can this life skill help improve life immeasurably, it makes us feel good inside, confident, self-aware and comfortable in our own skin.

[CLICK HERE to read the article, "4 Critical Skills Your Child Needs to Develop before Inheriting Your Money," at Forbes, Sept. 15, 2014.]

Perhaps many of us do trade a taut belly, balance and quick reflexes for life's wisdom. When you think about this in totality -- and on a good day -- it may seem a fair trade. In return, we share our time-worn insights with others, generally younger people who believe they hold the world on a string. Who is the wiser?

[CLICK HERE to read the article, "How to Become Rich, and 24 Other Insights from Warren Buffett," at Money, accessed Oct. 3, 2014.]

Let's put your lifetime of wisdom and our financial knowledge to work to help build you a confident financial future. Please give us a call. Our firm assists retirees and pre-retirees in the creation of retirement strategies utilizing insurance products.

This content is provided for informational purposes only, it is provided by third parties and has been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. If you are unable to access any of the news articles and sources through the links provided in this text, please contact us to request a copy of the desired reference. AE10145099


Hospitable Hospitals

13 November 2014, 5:53 pm

Hospitals acquire reputations, just as all companies (and people) do. But there are so many different ways a hospital can be perceived. Some consider them a place where people go to die and should thus be avoided -- a commonly held belief of Ebola victims in West Africa.

[CLICK HERE to read the article, "Are Hospitals Part of the Ebola Problem? Charity Wants New Strategy," from NBC News, Sept. 15 2014.]

[CLICK HERE to read the article, "Too Many People Die in Hospital Instead Of Home. Here's Why," from Kaiser Health News, Sept. 22, 2014.]

Recently, there's been press about how hospitals are saving money thanks to Medicaid expansion in some states, citing a reduction in uninsured admissions by 30 percent. As a result, the tab for uncompensated hospital care will be approximately $5.7 billion less in 2014. On the other hand, individual patients may not benefit from these savings. Because hospital charges are not as transparent as in other industries, even the most diligent of health care consumers can get hit with outrageous bills they weren't expecting.

[CLICK HERE to read the article, "Report: Admission of Uninsured at Hospitals Dips," from The Memphis Daily News, Sept. 25, 2014.]

[CLICK HERE to read the article, "After Surgery, Surprise $117,000 Medical Bill From Doctor He Didn't Know," from The New York Times, Sept. 20, 2014.]

But there are signs of improvement where quality is concerned -- particularly with doctors. One recent study found that a surgeon's desire to perform well surpassed the desire for financial gain by a significant margin. The research also revealed that while physician report cards are largely ignored by patients, the competitive comparison has done much to improve physician awareness and focus on quality.

[CLICK HERE to read the article, "How Physician Report Cards Can Improve Health Care," from Knowledge@Wharton, Aug. 28, 2014.]

[CLICK HERE to read the article, "Hospitals Focus on Patient Experience Through Design," from U.S. News & World Report, Sept. 25, 2014.]

[CLICK HERE to read the article, "Clues to How People Bounce Back from Surgery," from Detroit News, Sept. 24, 2014.] Meanwhile, the Patient Protection and Affordable Care Act continues to be scrutinized, most recently with regard to whether mandated hospital benefits are required to be offered by large, self-insured employers.

[CLICK HERE to read the article, "Debate Grows Over Employer Health Plans Without Hospital Benefits," from NPR, Sept. 26, 2014.]

A new study estimates that people retiring today will need more than $318,000 to pay for out-of-pocket health care expenses over a 30-year retirement, not including the cost of retirement living expenses or long-term care.

[CLICK HERE to read the article, "The Easy Way to Beat the High Cost of Health Care in Retirement," from Time magazine, Sept. 12, 2014.]

Addressing both the cost and quality of health care delivery in this country is an ongoing and daunting task. But each of us needs to address it within our own financial and retirement income plans. If we can help you with strategies to help pay for health care both now and in the future, please give us a call.

Our firm assists retirees and pre-retirees in the creation of retirement strategies utilizing insurance products. Our firm is not affiliated with the U.S. government or any governmental agency. This content is provided for informational purposes only, it is provided by third parties and has been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. If you are unable to access any of the news articles and sources through the links provided in this text, please contact us to request a copy of the desired reference. AE10145094


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