The 3 Words That May Threaten
Your Retirement: Long Term Care

How To Make Decisions That Are
Right For You and Your Family

"I don't know how to reach you, but I know who you are..." "I know that you are busy, creative, and financially secure…for now. You want to live well now and in your retirement. I don't know how to reach you - for your sake I need to reach you with a message that may be critical to your future: Will the money you're setting aside for retirement be there when you retire? Will your retirement money be spent for long-term care for your parent or for you? You can't find that answer on the Internet. Together you and I can work on that answer. Penelope Tzougros with her mother

"I think before you decide someone needs a nursing home, you should be aware of other options. Before you collect quotes on the cost of long-term care insurance, you should know what it can and can not do for you.
You should know that it is the wrong solution for some people."

Date:.
.....To: .All Looking for Answers to a Long Term Care Dilemma
From: .Penelope Tzougros

Hi,

You want to live well now and in your retirement.

Do you know the three words that may bankrupt your retirement? 

You will, and if your experience is like mine, it will challenge your financial and emotional security. 

The words are Long Term Care which can cost you as much as $200,000-500,000 a year in some cases, not to mention the heartache

Believe me, I've learned this from my own experience.

The day I went to check out a nursing home for my mom was one of the worst days in my life.

The photo above is my mom. We never dreamed this vibrant, accomplished lady would end her days in a nursing home. She took care of all of us, and we couldn't take care of her.  It was wrenching. It was only the beginning of a journey.

My name is Penelope Tzougros, host of Wealthy Choices: Your life and your money.  As a  financial planner licensed in all fifty states and as a Registered Representative, I offer financial planning and securities thorough through Linsco/Private Ledger. Member NASD/SIPC.

I have made Long Term Care one of my specialties as a financial planner, because what I learned during the painful process of Mother’s decline made me want to share that knowledge with you.

I think before you decide someone needs a nursing home, you should be aware of other options. Before you collect quotes on the cost of long-term care insurance, you should know what it can and can not do for you. You should know that it is the wrong solution for some people.

• Mom wanted to be independent. She didn't want to be a burden.
  
  
• She did not want to go to a nursing home. She did not want whatever money there was to go to a nursing home. She wanted it to go to her children and grandchildren.
  
  
• Would your relative feel the same way? Would you?
  
  
• Can you keep both the person and the money out of the nursing home?
  
  

Understanding the issues may save you money,
reduce worry and the learning curve.

•   What details in your parent’s behavior should you be paying attention to?
  
  
•    What are the options available?
  
  
•   Will all the money go to the nursing home?

Whoever your older loved ones are—Will you be their caregiver in the near future?

Do you know what questions you should be asking? I didn't. But now I do. And with the help of Penelope’s Guide to Long-term Care, you can too.

In fact, why not start right now. 
Consider the following challenges:

There are many dimensions to caring for someone.

There are legal, financial, psychological and practical questions.

Do you know what questions to ask? We didn't.  That's why I'm offering you a unique group of resources in Penelope’s Guide to Long-term Care.  It guides you through the critical questions about your older loved one's independence, health and finances.

•   Save yourself time, money and worry.
  
  
•   Get the perspective you need as quickly and efficiently as you can.

This unique thoughtful LTC (long-term care) packet has five components. It's full of insights, practical information, some humor and hope.  Penelope’s Guide to Long-term Care is only available here;  it is not sold in stores.

Get The Guide Now

 $49.97  (a value of $90.00) Free shipping and handling, by United States Priority Mail.

Penelope’s Guide to Long-term Care
The 5-Part Guide You Receive Will Include:

1. Long-term care insurance: How to make decisions that are right for you.

Robert O'Toole President of Informed Decisions said this is "the best consumer's guide I've read"

This short, readable Pocket Guide helps you analyze your family’s circumstances. If you determine you want to explore, long-term care insurance, it explains which provisions make the biggest financial difference.

2. Interview with Dr. John Zeisel, Founder of Hearthstone Alzheimer Care, discusses what to watch for, the latest on Alzheimer's, and how it is being treated in the sort of facilities you would want your loved one to live in. 

I sought out Dr. Zeisel for this interview both for his optimistic outlook and his research which has helped to redesign facilities to relieve stress and improve the quality of daily experience for patients with Alzheimer’s. (CD interview of our live unedited radio show)

3. Interview with Elizabeth Hirshorm, RN, M. Ed, CMC, President of Elder AdvoCare Link, explains what Medicare can do, and what it  may force you to do. Her advice is especially helpful if your loved ones live far away. She explains how to access the back up help you may need.

When  I found out that Ms. Hirshorm was not only a registered nurse, but also a partner in a successful company making gourmet chocolates, and also a member of the Board for a local theatre company, I appreciated even more what she brought to her geriatric care clients.  Because of the changes in her own life and her variety of experiences she is a creative problem solver who can help you with what may feel like intractable problems with your ailing relative. (CD interview of our live unedited radio show)

4. Susan Gilbert author, and international speaker.

Within nine months when she was 25, both her husband and her mother died. What did she do to pull her life together? What does she have to teach us about being a “can do” person and coping with the hard parts of life? You may find her ideas resonate with you because the strains of coping with long-term care issues need the sort of resilience she discusses.

Ms. Gilbert pulled herself through some very sad and bewildering times in her life and has created a system for you to cope better with the challenges you are facing.  When a person you love has a major health crisis it changes your life, and it is good to have an example of someone like Susan Gilbert to give you added energy to cope with what may seem very difficult. (CD interview of our live unedited radio show)

The stories of both  Susan Gilbert and Elizabeth Hirshorm may inspire you to start your own business, not just cope with the current crisis.

5. Long-term care insurance explained by Dr. Penelope Tzougros

What is long-term care insurance? In what situations might it make sense? As a financial planner, and registered representative, I have been helping people find creative strategies for their financial  situations for over 19 years.  As I said earlier, because my mother died in a nursing home, I have a special interest in the area of long-term care and how it affects the family and the appropriate retirement and estate planning.

A bone-breaking fall, a health crisis, or an accident can set in motion a long series of events that ties in many medical, legal, financial and emotional issues. It is important for you to have a way to approach such an event. ( CD live unedited radio show)

Plus if you order quickly, you will receive two limited bonuses: 

Bonus 1. How to care for Mom when she is miles away—very few of these Pocket Guides left.  What should you be listening for if you can rarely visit with your relative because you live far apart. Value $5.00.

Bonus 2.  Special report—"If long-term care insurance were free, how much would you sign up for?"

The newest information about how to ultimately and substantially cut the cost of long-term care insurance. If such insurance is right for your situation, then you'll want to know about new ideas that can stretch your dollars and solve more than one problem at the same time. Value $15.00.

Have your Penelope’s Guide to Long-term Care sent right away, and feel confident that you have made one significant step in understanding and relieving a major cause of worry.

Get The Guide Now

Who created Penelope’s Guide to Long-term Care?

I'm Penelope Tzougros , a financial planner, author, speaker and radio show host. My Masters degree is from Harvard University and my Doctorate from the University of Toronto. I served as a college professor in New York and Boston. 

As a result of years of  academic training, I bring to my financial planning practice well researched solutions and a concern that you feel educated about the topic. I want you to be informed, so that you can feel confident about your decision.  If you buy a policy, you should feel that it is the right decision. If you do not buy a policy, you should feel the same way.

I think before you decide someone needs a nursing home, you should be aware of other options. Before you collect quotes on the cost of long-term care insurance, you should know what it can and can not do for you. You should know that it is the wrong solution for some people.

I have also been recognized and interviewed for my insight on this subject in print and broadcast media:

• Bottom Line/ Personal (10-15-05) "How to care for Mom and Dad when they live miles away" I was interviewed and credited for  the article.
  
  
• Fidelity Outlook (2-04) “A Useful Diagnosis” by Jill Adams is an article on Long-term care for which I was interviewed and quoted. 
  
  
• In addition I have presented these and other financial planning concepts for  hundreds of talks, radio and television programs across the country.
  
  
• Author of the recently published, Wealthy Choices: The Seven Competencies of Financial Success (Wiley) Available in bookstores, libraries and on line.
  
  
• Host of a daily radio show: Wealthy Choices: Your life and your money. 7:00- 7:30 am Eastern. Listen to 1060 AM WBIX, The Business Station. Also webcasting nationally on www.wbix.com and www.nationalradionetwork.com.

Because we believe so strongly in Penelope's Guide to Long Term Care, we are going to offer the entire package for $49.97.

You can get started right now, without delay. Take action on this Special Offer by placing your order today. Order right here

Now that you have decided to ordered Penelope’s Guide to Long-term Care congratulate yourself for being a strong and wise person. You have taken action to help yourself and your family.

You can prepare yourself.

You can learn what you need to learn quickly.

You can manage even with all the pressures of your daily life.

Have Penelope’s Guide to Long term Care sent right away, and feel confident that you have made one significant step in understanding and relieving a major cause of worry.

Sincerely,

P.S. I don't know how to reach you - yet, for your sake I need to get through to you. I have strategies that can help you make sense of this long-term care dilemma. Knowing your options may make a significant difference to you and your loved ones.

P.P.S. Get The Guide Now