Human Interest

Dave Says – with web links

(Mother is elderly; does she need long-term care insurance?)

Word count: 260

Dear Dave,

I’m trying to help my elderly mom with her finances. She has no debt and more than $1 million in assets. There was also another $500,000 trust left for her by my dad. With access to all this, does she still need long-term health insurance?

Anonymous

Dear Anonymous,

Zika virus has been a growing concern for local health officials long before it started to spread across America, and now that it has arrived, highly populated American Cities are scrambling to develop a plan-of-action to prevent the virus from spreading. As

August is Immunization Awareness Month and is a great time to find out which vaccines you and your need to be protected at different ages and stages in life. 

Immunization typically starts at birth. At 2 months old, infants start receiving a series of six primary immunizations that protect against disease. 

In developing countries, roughly one in three people lack dependable access to "essential" medicines -- a category that includes everything from ibuprofen to HIV/AIDS treatments.

The United Nations hopes to address this global crisis through its High-Level Panel on Access to Medicines, which is expected to issue recommendations in the coming weeks. Unfortunately, the panel seems on track to do more harm than good.

The Decline of Civility

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Top 3 College Application Essay Secrets

With early application deadlines in November and regular applications generally due in January, summer is an important time for rising seniors to hone their essays. Admissions officers read these essays to get a sense of who the student is, so they’re looking for something quite personal, in the student’s own voice.

Ramsey Solutions Study Shows 56 Percent of Americans

Lose Sleep Over Retirement

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Dear Dave,

Considering all the market volatility, why do banks offer adjustable rate mortgages? How did they come into being?

Anonymous

Dear Anonymous,

Dear Dave,

My husband and I had to rent a car on a recent trip to Florida. When we tried to pay with our debit card, the attendant told us he would have to pull our credit report if we used debit instead of credit. He said all rental car companies operate that way, because there was concern about people stealing the cars and closing their checking accounts. Is this true? We’re trying to take control of our money using your plan, and we don’t want to get a credit card if we don’t have to.

Michelle

Dear Michelle,