(MUSIC) GOOD MORNING EVERYBODY!
AND WELCOME TO THE BALANCING ACT.
WE ARE SO GLAD YOU JOINED US THIS MORNING.
I'M JULIE MORAN.
AND I'M OLGA VILLAVERDE.
ALRIGHT, SPORTS FANS.
DO WE HAVE A TREAT IN STORE FOR YOU TODAY!
BASEBALL LEGEND JOHNNY BENCH IS IN THE HOUSE.
AND I'LL BE SITTING DOWN WITH HIM
IN JUST A FEW MINUTES AS WE TALK ABOUT LIFE AFTER HOME PLATE.
CAN'T WAIT.
AND IF YOU ARE LOOKING FOR AN ESCAPE FROM HOME,
GRAB THE SUNSCREEN, YOUR BATHING SUIT, A FLOPPY HAT!
YES!
WE ARE GOING TO THE ISLANDS OF TURKS AND CAICOS.
IT'S GORGEOUS THERE.
I'VE BEEN ONCE.
BUT LET'S YOU AND I GO AGAIN.
THIS SHOW IS A HOME RUN.
IT IS!
OH!
I LIKE THAT.
LET'S JUMP RIGHT IN.
THE BALANCING ACT STARTS RIGHT NOW.
(MUSIC) (MUSIC)
AS ACTIVE WOMEN, MOTHERS, WIVES, WORKERS.
WE NEVER STOP.
SO, IT'S NO WONDER EVERY DAY ACHES AND PAINS ARE
ALSO PART OF DAILY ROUTINE.
WE'LL JOINING ME TODAY IS SOMEONE WHO KNOWS
ALL ABOUT ACHES AND PAINS.
BASEBALL LEGEND JOHNNY BENCH.
I SAY THE GREATEST CATCHER THAT EVER
PUT HIS FOOT ON A BASEBALL FIELD.
YOU'RE TOO YOUNG TO HAVE SEEN ME PLAY.
BUT THANK YOU.
NO, NO, NO.
I'VE SEEN YOU PLAY.
(LAUGHING) WE ARE SO GLAD TO HAVE YOU HERE
ON THE BALANCING ACT.
IT'S REALLY EXCITING TO BE WITH YOU TOO,
THANK YOU.
AND I'VE GOT TO KNOW WHAT YOU'VE BEEN UP TO SINCE
RETIREMENT.
GIVE ME THE LOW DOWN.
WELL, WE ARE RAISING TWO BOYS.
WE HAVE ONE THAT WILL BE 7 AND THEN 4 AND HALF.
AND I'M COACHING.
WOW.
AND I'M GETTING DOWN ON MY KNEES AND I'M TOO OLD TO GET DOWN ON
MY KNEES.
WITH 17 BROKEN BONES AND A CAR WRECK AND
EVERY DISC IN MY BACK AND SEEING DOCTORS
THAT, YOU KNOW, HOPEFULLY WILL CORRECT
EVERYTHING.
BUT UNTIL THEN YOU REALLY NEED SOMETHING THAT WILL
ALLEVIATE A LOT OF YOUR PROBLEMS.
GIVE YOU SOME SOOTHING FEELS.
YEP.
... IN YOUR JOINTS.
AND I HAVE SEEN THESE COMMERCIALS AND
TELL ME WHAT IS DIFFERENT ABOUT THE BLUE EMU.
IT'S THE EMU OIL.
REALLY?
IT REALLY IS.
I MEAN IT REALLY IS.
WHEN YOU MIX THE EMU OIL WITH A COMBINATION
OF MSM GLUCOSAMINE AND WE HAVE ALOE.
AND IF YOU MIX IT WITH THAT, IT SEEMS LIKE THE ABILITY OF THE
EMU OIL TO CARRY THAT INTO THE AREAS THAT
YOU REALLY FEEL SOME SORT OF DISCOMFORT IS
THE KEY THING.
AND SO EMU OIL HAS JUST BEEN AN AMAZING SOLUTION
SOLVENT WHICH WILL INSAVE, I GUESS
OR CREAM, HOWEVER YOU DECIDE TO USE IT.
AND IT WORKS.
WHAT MAKES THE BLUE EMU DIFFERENT THAN OTHER OILS?
I THINK IT'S THE PENETRATION.
I THINK WHEN YOU GET PURE EMU OIL AND
THEY FOUND OUT THROUGH ALL OF THE STUDIES
AND EVERYTHING ELSE.
EMU OIL HAS THE PROPERTIES TO GO IN TO THE
AREAS THAT YOU ARE FEELING ANY KIND OF DISCOMFORT.
AND IT SOOTHES THEM ALMOST IMMEDIATELY.
AND I'VE HAD SO MANY RESPONSES FROM IT.
I'VE BEEN USING IT FOR 11 YEARS.
MY WIFE, SHE RUNS 4-6 MILES A DAY.
SHE WORKS OUT 5 DAYS A WEEK.
SHE HAS PILATES 3 DAYS A WEEK.
AND SHE HAS BIKRAM YOGA.
AND I SEE HER, WOW!
EVERY MORNING AND NIGHT BEFORE SHE GOES
TO BED SHE PUTS IT ON AND BEFORE SHE RUNS
SHE PUTS IT ON.
I WANT TO SEE A PICTURE OF YOUR WIFE!
SHE SOUNDS LIKE SHE IS .. SHE LOOKS A LOT LIKE YOU
ACTUALLY.
(LAUGHING) AND YOU USE THIS TOO DON'T YOU?
I'VE USED IT FOR 11 YEARS, YES.
AND THE FACT WAS THAT WE WERE TALKING ABOUT DOING
A PILL FOR ARTHRITIS AND THE COMPANY ITSELF
AT THAT TIME, AND THEY SAID WHY DON'T YOU
TRY SOME OF OUR PRODUCT?
I SAID, I'D BE HAPPY TO.
SO, I'VE USED IT EVER SINCE.
AND IT'S JUST BEEN A BLESSING.
IT REALLY HAS.
I FEEL, BECAUSE I'M THROWING BASEBALLS
TO MY FOUR YEAR OLD AND 7 YEAR OLD AND
I'M THROWING BASEBALLS.
AND I, YOU KNOW, THIS THING HAS WORN OUT.
I'VE HAD 500,000 SQUATS.
SO, YOU CAN IMAGINE ALONG WITH THE ARM.
SO I JUST, YOU KNOW, AND IT'S SOMETHING
I CAN DO BECAUSE IT'S NOT GREASY.
I MEAN I CAN DO IT RIGHT HERE.
AND JUST ROLL UP MY SHOULDER AND JUST
RUB MY SHOULDER OR ANYTHING ELSE.
RIGHT.
RIGHT UP IN IT.
AND IT'S NOT GREASY.
IT DOESN'T STINK.
LOVE THAT!
NO STINK!
NO SMELL.
SO, YOU KNOW, AND IT'S JUST SOMETHING THAT
YOU ABSOLUTELY, IT'S SO NATURAL TO USE.
THAT IT'S JUST BECOME ALMOST SECONDARY.
BUT WHEN YOU ARE HAVING SOME SORT OF DISCOMFORT,
YOU SAY WAIT I'M GOING TO PUT RIGHT ON THERE AND
RUB IT IN JUST A LITTLE BIT, AND I'M READY TO GO.
THERE'S ALOE IN HERE TOO.
ALOE IN IT.
YES, OF COURSE WE ALL KNOW ALOE IS ONE OF OUR
FAVORITE NATUAL PRODUCTS THAT YOU CAN HAVE.
AND SO NOW WE'VE ACTUALLY, I'VE SEEN THE SPRAY TOO, THIS IS
NEW?
FOR THOSE HARD TO REACH PLACES.
OH YEAH.
WE'VE GOT TO GET, YOU KNOW, BACK IN AROUND HERE.
THE SPRAY IS GREAT.
YOU KNOW WHAT, IT'S TRUE.
AND EVEN A LOT OF TIMES YOU CAN HAVE SOMEBODY
RUN THIS IN YOUR LOWER BACK OR SOMETHING LIKE THIS
BUT FOR THE PAIN THAT YOU MAY FEEL WHEN YOU ARE
RUNNING OR ANYTHING ELSE, YOUR KNEES ARE HURTING.
I MEAN, JUST GO ON AND SPRAY IT.
PUT IT ON YOUR BACK WHILE YOU ARE WORKING OUT.
I MEAN THERE MIGHT BE, SOME DISCOVER,
PEOPLE LIFT WEIGHTS, PEOPLE DO THINGS
AND SO YOU CAN AUTOMATICALLY GO AHEAD
AND SPRAY IT.
WE GET THE SAME PENETRATING RESULTS FROM
THIS AS WE DO THE CREAM.
I THINK THIS REALLY IS SOMETHING THAT YOU
CAN TRAVEL WITH.
I HAVE IT IN MY GOLF CART, IN MY CAR.
OF COURSE YOU DO.
AND IT RELIEVES ALL KINDS OF ACHES AND PAINS, RIGHT?
IT DOES.
IT'S FOR ARTHRITIC BUT IT'S FOR ANY JOINTS.
IT'S FOR ANY MUSCLE ACHES.
AND THE GREAT THING IS THAT THE PEOPLE
I'VE ALWAYS HAD USE IT OR TRY IT,
IS ALMOST IMMEDIATE OR WITH IN THE NEXT
2 OR 3 MINUTES THEY WILL SAY, YOU KNOW WHAT?
THAT REALLY DOES WORK.
IT WORKS!
IT REALLY DOES.
I THINK PEOPLE WHO STAND ON THEIR FEET.
I LOVE IT BECAUSE I'M AROUND PRO GOLFERS.
MY FATHER IN LAW IS A PRO GOLFER.
SO, I LOVE TO BE ABLE TO, YOU KNOW,
GUYS THAT ARE GETTING OLDER, AND THEY
START TO DO IT.
PEOPLE ARE JUST NATURALLY ACTIVE ARE GOING TO EXTEND THEMSELVES A
LITTLE TOO MUCH,
YES, THEY ARE.
AND WHEN YOU EXTEND IT ALL OF SUDDEN,
THERE IS SOME KIND OF MUSCLE, EITHER PAIN OR DISCOMFORT.
SO, NOW JUST REACH FOR HE SPRAY AND
YOU CAN REACH IT AND DO WHATEVER YOU WANT WITH IT.
I AM SO GLAD YOU STOPPED BY.
SUCH GREAT INFORMATION.
SO, GREAT TO SEE YOU.
THANK YOU VERY MUCH.
AND IF YOU WANT TO KNOW MORE LOG ON TO
THEBALANCINGACT.COM WE ARE ALSO ON FACEBOOK AND
TWITTER.
SO, CHECK US OUT THERE.
(MUSIC) (MUSIC)
WE ARE TALKING GUN SAFETY THIS MORNING.
AND I'M WITH DAWN WEHUNT OF SPRINGFIELD ARMORY.
HERE TO ANSWER A COUPLE MORE QUESTIONS
THAT WE RECEIVED ON FACEBOOK.
GOOD MORNING!
WELCOME BACK.
THANK YOU.
I GOT TWO GREAT QUESTIONS AND ONE IS REALLY
ON MY MIND.
JENNA, OF BOCA RATON, AND JENNA THANKS
FOR WRITING IN.
SHE WRITES, WHERE IS THE SAFEST PLACE
TO STORE A GUN?
ESPECIALLY WHEN THERE IS CHILD IN THE HOUSE.
OF COURSE, I ALWAYS RECOMMEND A SAFE.
BUT IF A HAND GUN SAFE IS NOT AN OPTION FOR YOU,
YOU CAN USE YOUR CASE LIKE THE XDS COMES IN THIS.
AND THEN YOU JUST TAKE A PAD LOCK,
RUN IT THROUGH HERE, AND IT'S ALL LOCKED UP AND THEN
CHILDREN CAN'T GET INTO IT.
AND OF COURSE PUT IF SOMEWHERE OUT OF THEIR REACH.
PERFECT.
OK, QUESTION NUMBER TWO COMES FROM JEANNE,
AND SHE'S FROM LOS ANGELES.
AND SHE WRITES A GOOD QUESTION IN TERMS OF
FINDING A LOCAL RANGE WITHIN HER COMMUNITY.
HOW CAN SHE FIND ONE?
YOU CAN CHECK ONLINE.
JUST TYPE IN INDOOR SHOOTING RANGE FOLLOWED
BY YOUR CITY AND STATE.
THAT SHOULD PULL SOMETHING UP.
OR YOU CAN CHECK WITH THE LOCAL DEALER IN
YOUR AREA, HE MIGHT NOT HAVE A RANGE,
BUT HE MAY KNOW SOMEONE THAT DOES.
OKAY.
OR YOU CAN CALL CUSTOMER SERVICE AT
SPRINGFIELD ARMORY 800-680-6866
AND WE'D BE HAPPY TO LOOK ONE UP FOR YOU.
AND OF COURSE, YOU'VE GOT A GREAT WEBSITE,
WHICH SHOWS SO MANY THINGS.
NOT ONLY WHAT ARE THE GUNS YOU CAN GET
BUT JUST ALL THESE SAFETY TIPS.
WHAT'S THAT WEBSITE?
IT'S SPRINGFIELDARMORY.COM
SPRINGFIELDARMORY.COM IT'S REALLY BEEN A PLEASURE.
THANK YOU.
YOU'VE REALLY SHOWN US A LOT.
AND TAUGHT ME A LOT.
THANK YOU.
THANK YOU DAWN, VERY MUCH.
WE'D LIKE TO HEAR FROM YOU AS WELL
IF YOU HAVE ANY QUESTION RELATED TO THE SPORT OF TARGET
SHOOTING OR GUN SAFETY, FACEBOOK US AT
FORWARD SLASH THE BALANCING ACT FANS.
POST YOUR MOST PRESSING QUESTION AND
WE'LL TRY TO CHOOSE A FEW AND BRING IT
UP IN OUR UPCOMING SHOWS AS WELL.
AND OF COURSE CHECK OUT OUR WEBSITE
THEBALANCINGACT.COM (MUSIC)
(MUSIC) WHEN YOU HEAR THE WORDS TURKS
AND CAICOS, WHAT DO YOU THINK OF?
AN IDYLLIC ISLAND.
A MILLION MILES FROM HOME.
WELL, ACTUALLY THIS SLICE OF PARADISE IS
A LOT CLOSER THAN MOST OF US THINK.
SPARKLING TURQUOISE WATERS AND POWDERY SAND
BEACHES ARE A MERE 3 HOURS BY AIR FROM NEW YORK CITY.
AND HERE TO SHOW US THE WAY, PAMELA EWING, REGIONAL MARKETING
MANAGER FOR TURKS AND CAICOS TOURISTS.
WELCOME!
SO GREAT TO HAVE YOU IN THE STUDIO.
THANK YOU SO MUCH, JULIE.
IT'S A PLEASURE TO BE HERE.
AND YOU'VE FLOWN IN THIS BEAUTIFUL SAND.
POWDERY GORGEOUS SAND.
RIGHT IN FROM THE TURKS AND CAICOS.
ABSOLUTELY.
LET'S JUST GO RIGHT THERE.
THIS IS A FABULOUS DESTINATION.
I'VE BEEN THERE.
HOW EASY IS IT TO GET THERE?
IT'S VERY EASY TO GET TO TURKS AND CAICOS.
MOST PEOPLE DON'T REALIZE THAT WE ARE NOT
AS FAR OUT AS A LOT OF THE CARIBBEAN ISLANDS.
WE ARE ONLY 575 MILES AWAY FROM MIAMI, FLORIDA.
A MERE HOUR AND 15 MINUTES.
WOW!
SO, VERY EASY.
AND ABOUT, YOU ARE ATLANTA?
YOU ARE IN NEW YORK.
ABSOLUTELY!
ALL OF THE MAJOR AIRLINES, AIR CARRIERS
GO TO TURKS AND CAICOS WITH NONSTOP FLIGHTS.
WE HAVE NONSTOP FROM ATLANTA DAILY.
WE ALSO HAVE NEW YORK NONSTOP DAILY WITH
JETBLUE.
WE HAVE AMERICAN AIRLINES GOING DAILY FROM
MIAMI AND WE HAVE US AIRWAYS GOING DAILY
FROM CHARLOTTE AS WELL AS TO SOME AREAS IN PHILLY.
WOW!
I'VE BEEN AND I, THERE IS SO MUCH TO DO THERE.
BUT JUST FILL US IN A LITTLE BIT MORE ON THAT.
WELL, THERE IS THE OPPORTUNITY TO ACTUALLY
ISLAND HOP BECAUSE WE ARE MADE UP OF
40 ISLANDS AND KEYS. 8 OF WHICH ARE INHABITED.
YOU CAN GO FROM ONE ISLAND TO THE NEXT
VERY EASILY.
YOU CAN GO TO OUR CAPITAL WHICH IS GRAND TURK,
WHICH IS ONLY HALF AN HOUR.
AND YOU CAN GO TO SALT KEY WHICH IS THE
SMALLEST OF OUR ISLAND AT 2 SQUARE MILES.
AGAIN, VERY EASILY.
WE HAVE SOUTH CAICOS.
MIDDLE CAICOS.
NORTH CAICOS.
PROVIDENCIALES AND THEN PARROT KEY WHICH IS
WHERE I THINK YOU WENT TO.
AND PINE KEY.
YES, I WAS THERE.
SO, ANY ONE OF THEM YOU CAN GET TO
IN A MERE 20 TO 30 MINUTES.
AND YOU CAN ISLAND HOP.
THAT'S WHAT'S SO FUN.
ABSOLUTELY.
NOW, I'M A FOODIE AND I THOUGHT THE
FOOD WAS FANTASTIC DOWN THERE.
TELL ME A LITTLE BIT ABOUT THE LOCAL CUISINE.
WELL, THE CUISINE IS REFERRED TO AS EURO CARIBBEAN CUISINE.
WITH FUSION FROM ASIA OR AFRICA AS WELL AS
FROM INDIA.
BUT WE ALSO HAVE AN EVENT THAT HAPPENS ON THURSDAY NIGHT
THAT WE CALL A FISH FRY.
OH!
THAT'S AN OPPORTUNITY.
YES, IT'S WONDERFUL.
IT'S AN OPPORTUNITY FOR OUR GUESTS
AND OUR LOCALS TO MIX AND ENJOY SOME
OF OUR CULTURE AS WELL AS SOME OF OUR FOOD.
THE SEAFOOD OBVIOUSLY.
IF YOU'VE HAD THAT WHILE YOU WERE THERE.
IT'S WONDERFUL.
THE CONCH.
THE CONCH, YES, LOBSTER.
IT'S ALL AROUND THE SEAFOOD.
SO, YOU CAN HAVE THAT.
WHILE SITTING ON THE BEACH WITH SOME OF
THE LOCALS AND ENJOYING MUSIC AND SOME OF
THE CULTURAL ACTS AS WELL.
SUCH A FUN NIGHT.
LET'S TALK ABOUT AFFORDABILITY.
TRAVELERS ARE LOOKING FOR BARGAINS
AND HOW DOES THE U.S. DOLLAR TRANSLATE?
WELL TURKS AND CAICOS IS A BRITISH TERRITORY
BUT BECAUSE 90 PERCENT OF OUR GUESTS COME FROM
THE MAINLAND, UNITED STATES, WE DO HAVE THE U.S. DOLLAR AS
OUR LOCAL CURRENCY.
SO, THAT ALLOWS ONE TRAVELING FROM THE
UNITED STATES TO NOT HAVE TO DO A CONVERSION.
SO, THEN YOU CAN BUY DIRECTLY WITH THE U.S.
DOLLAR AND WE DO HAVE A PACKAGE AT THE MOMENT
WITH ONE OF HOTELS THAT'S A $159 PER NIGHT
PERSON.
AND THAT INCLUDES AIR, HOTEL ACCOMMODATIONS, AND BREAKFAST.
WOW!
SO, IT CAN VERY THAT'S A DEAL!
YES, NO ABSOLUTELY.
NOW, IS SUMMER TIME AN ESPECIALLY GOOD TIME TO GO?
IT'S AN EXCELLENT TIME TO GO.
THAT'S WHEN YOU ARE GOING TO FIND
MORE OF THE DEALS OBVIOUSLY.
BUT ANY TIME IS A GREAT TIME TO TRAVEL TO TURKS AND CAICOS.
I KNOW THAT FOR SURE.
AND ANY SPECIAL WEBSITE THAT WE CAN VISIT TO GET US THERE
AND SHOW US HOW TO GET THERE.
YES.
IF YOU VISIT OUR WEBSITE, WHICH IS,
WWW.TURKSANDCAICOSTOURISM.COM YOU'LL FIND ALL OF OUR HOTELS
LISTED THERE AS WELL UNDER OUR ACCOMMODATIONS
AND YOU CAN FIND THE VARIOUS PACKAGES THAT THEY HAVE
TO OFFER BECAUSE IT LEADS YOU TO THE
HOTEL'S WEBSITE AS WELL.
I'M GOING TO THE WEBSITE.
YOU'VE INSPIRED ME TO GO BACK.
I HAD SUCH A GREAT TIME.
THANKS FOR BRINGING IN THE GORGEOUS SAND
AND THANKS FOR JOINING US IN THE STUDIO TODAY.
THANK YOU VERY MUCH.
THANKS FOR HAVING US.
AND FOR MORE ON THIS EXCITING GETAWAY DESTINATION
YOU CAN ALSO VISIT US AT OUR WEBSITE
THEBALANCINGACT.COM AND AS ALWAYS, GET SUMMER SOCIAL
WITH US, LOG ON TO
FACEBOOK/THEBALANCINGACTFANS (MUSIC)
(MUSIC) PLANNING FOR RETIREMENT CAN MEAN
MAKING IMPORTANT DECISIONS INCLUDING LIFESTYLE,
HOUSING, EVEN THE KIND OF HEALTH AND LIFE
INSURANCE COVERAGE YOU'LL NEED FOR OPTIMAL
PROTECTION.
AND FOR PEACE OF MIND.
JOINING US THIS MORNING TWO INSURANCE EXPERTS.
MIKE ABBOTT, PRESIDENT AND LESLIE SCHROEDER, LOCAL
OFFICE MANAGER, BOTH OF AMERICAN REPUBLIC INSURANCE SERVICES
WITH REPRESENTATIVES AVAILABLE COAST TO COAST,
SERVING MORE THAT 20 U.S. STATES.
GOOD MORNING TO BOTH OF YOU!
SO GLAD YOU'RE HERE.
GOOD MORNING.
JULIE, THANK YOU FOR INVITING US TO BE PART
OF THIS IMPORTANT DISCUSSION.
IT IS AN IMPORTANT DISCUSSION, MIKE.
AND I WANT TO TURN TO YOU FIRST, BECAUSE RETIREMENT CAN BE A
GREAT TIME FOR A LOT OF FOLKS, BUT ALSO DEMANDS
THAT PEOPLE MAKE SOLID DECISIONS AND
WHY IS LIFE AND HEALTH INSURANCE PLANNING SO
IMPORTANT?
ACCORDING TO THE PEAR RESEARCH CENTER,
ROUGHLY 10,000 BABY BOOMERS TURN AGE
65 TODAY AND EVERY DAY FOR THE NEXT 16 YEARS.
THESE MEN AND WOMAN HAVE WORKED HARD AND SAVED
THEIR MONEY AND HOPES, WHILE MAINTAINING
THEIR LIFESTYLE AND THEIR FINANCIAL SECURITY.
BUT IF THEY DON'T UNDERSTAND THE RISK THEY FACE
IN RETIREMENT AND PLAN ACCORDINGLY,
THOSE HOPES MAY NOT BE REALIZED.
AFFECTIVE RETIREMENT PLANNING REQUIRES AN
UNDERSTANDING OF THE COMPLEX AND SOMETIMES
CONFUSING GOVERNMENT PROGRAMS, LIKE MEDICARE.
OUR COMPANY WORKS ONE ON ONE WITH ITS CLIENTS
TO INSURE THEY UNDERSTAND THE CHOICES THEY HAVE
UNDER THESE PROGRAMS.
THE EXPENSES THEY MAY FACE BECAUSE OF THOSE CHOICES
AND THE OPTIONS THEY HAVE TO PROTECT AGAINST
THOSE EXPENSES.
TO HELP INSURE THEY MAINTAIN THEIR LIFESTYLE,
AND THEIR FINANCIAL SECURITY FROM UNEXPECTED
FINANCIAL BURDENS.
SO IMPORTANT.
AND LESLIE WHAT KIND OF FINANCIAL BURDENS ARE WE
TALKING ABOUT HERE?
THERE ARE A LOT OF THINGS THAT MEDICARE DOES NOT
COVER AND IF YOU DON'T UNDERSTAND THAT,
THAT CAN COMPLETELY UNDERMINE SOMEONE'S
FINANCIAL SECURITY.
WELL, SEE I'M CONFUSED ALREADY.
DOESN'T MEDICARE COVER ALL EXPENSES?
NO, JULIE, THAT'S A COMMON MIS PERCEPTION.
MEDICARE DOES NOT COVER ALL EXPENSES.
LET ME JUST GIVE YOU SOME EXAMPLES.
FIRST OF ALL LET'S SAY SOMEONE GETS SICK
IN RETIREMENT YEARS AND THEY NEED EXTENDED
PERIOD OF CARE EITHER IN A NURSING HOME
OR POTENTIALLY AT HOME, MEDICARE DOES
NOT COVER THOSE EXTENDED PERIODS OF CARE.
ALSO, LET'S SAY THAT SOMEONE POTENTIALLY NEEDS
SOME SORT OF CARE AT A CANCER CENTER OF EXCELLENCE,
ACCOMMODATION, TRAVEL COSTS, TO AND FROM THE FACILITY
ARE NOT COVERED.
AND ALSO ONE OF THE BIGGEST HURDLES IS THE
PRESCRIPTION DRUG COST THAT MEDICARE DOES
NOT COVER AS WELL.
ARE WE TALKING ABOUT A LOT OF MONEY IN
MEDICAL EXPENSES?
YES.
FOR A COUPLE, RETIRING THIS YEAR, BOTH
AGE 65, FIDELITY INVESTMENTS ESTIMATED
THAT THE COST WILL BE APPROXIMATELY $220,000.
NOW, THAT ASSUMES THE MAN LIVES 17 YEARS AND THE
WOMAN LIVES 20 YEARS.
BUT THOSE ARE JUST AVERAGES SO THE TOTAL
HEALTH CARE COSTS FOR A COUPLE CAN BE
FAR GREATER.
LESLIE, LET'S SWITCH GEARS A LITTLE BIT.
CAN A SOLID RETIREMENT PLAN ALSO PROTECT THE LIFESTYLES OF THE
RETIREE'S CHILDREN?
ABSOLUTELY.
IF PARENTS TO DO NOT HAVE A
PLAN IN PLACE THAT BURDEN CAN ABSOLUTELY FALL
ON THE CHILDREN.
AND RESEARCH ACTUALLY SHOWS THAT 72 PERCENT OF
PEOPLE RECEIVING CARE ARE GETTING THAT
BY THEIR CHILDREN AND MOST OFTEN THAT
BURDEN FALLS ON THE ADULT DAUGHTER.
IN FACT, JULIE, I'VE HAD SOME PERSONAL EXPERIENCE
WITH THIS.
MY GRANDPARENTS NEEDED ROUND THE CLOCK NURSING CARE,
SO MY MOTHER QUIT HER A JOB AS A VERY SUCCESSFUL
REAL ESTATE AGENT.
TOOK ABOUT 12 YEARS OF HER LIFE AND AS A RESULT,
THAT DEPLETED THE FINANCIAL SAVINGS THAT
MY PARENTS HAD SAVED FOR RETIREMENT.
SURE IT DID.
ABSOLUTELY.
WHAT SHOULD A WOMAN DO THOUGH?
IN THAT POSITION.
WELL, WHAT A WOMAN SHOULD DO IS SIT DOWN
WITH SOMEONE AND ABSOLUTELY TALK WITH
SOMEONE ABOUT HER OPTIONS.
I AGREE.
AS THE DAUGHTER AND THE POTENTIAL CARE GIVER,
THIS WILL NOT ONLY PROTECT THEIR LIFESTYLE
AND FINANCIAL INDEPENDENCE IT WILL HELP
PROTECT YOURS.
I WOULD ADD THAT MANY OF OUR CLIENTS
HAVE ONE OF THEIR CHILDREN PARTICIPATE IN
THE PLANNING SESSION.
THESE DECISIONS ARE NOT NEW TO AMERICAN REPUBLIC
INSURANCE SERVICES.
WE ARE DEDICATED TO HELPING PEOPLE BE INFORMED,
SMART AND SECURE IN THEIR RETIREMENT PLANNING.
WE UNDERSTAND THAT DECISIONS THAT PEOPLE
MAKE ABOUT THEIR HEALTH AND LIFE INSURANCE
WILL HAVE IMPLICATIONS ON THEIR LIFESTYLE AND
FINANCIAL SECURITY AND WE ARE COMMITTED TO BE
SURE THEY UNDERSTAND THEIR CHOICES AND FEEL
SECURE IN THEIR DECISIONS.
THANK YOU BOTH FOR COMING IN.
THIS IS VITAL AND REALLY IMPORTANT INFORMATION
THAT SO MANY OF US ARE A LITTLE BIT
IN THE DARK ABOUT, SO THANKS SO MUCH
FOR JOINING US TODAY.
THANK YOU.
AND IF YOU'D LIKE MORE INFORMATION FOR YOUR
RETIREMENT AND RELATED INSURANCE PLANNING.
CHECK US OUT AT THEBALANCINGACT.COM
OR SHARE WITH US YOUR QUESTIONS OR YOUR THOUGHTS,
LOG ON TO FACEBOOK/THEBALANCINGACTFANS
(MUSIC) WELL, I THINK WE ARE READY TO
START THE DAY NOW.
I TELL YOU, MY BAGS ARE PACKED FOR THE TURKS AND CAICOS.
LET'S GO!
OK!
NO HUSBANDS.
OK!
ALRIGHT.
BUT FIRST, WHY DON'T YOU ALL CHECK OUT OUR
WEBSITE, MAYBE WE'LL, BRING THEM,
THEBALANCINGACT.COM FOR MORE INFORMATION ON ALL OF
TODAY'S TOPICS.
DON'T CHANGE YOUR MIND.
LIKE US ON FACEBOOK AND FOLLOW US ON TWITTER.
THANKS FOR JOINING US.
AND REMEMBER, TO FIND YOUR BALANCE.
SO LONG EVERYBODY!
JUST YOU KNOW..
WE'RE OFF.
A LITTLE BREAK.
(MUSIC)