Sometimes resistance couched in financial terms has little to do with money at all. Maybe a parent can’t accept his need for help, dreads dependency and loss of control, fears mortality itself. “I can’t afford it” provides a good all-purpose excuse.
Or maybe, Ms. Moscowitz points out, what connects busy children to their parents are tasks and obligations, leaving the elders to wonder: “If I hire someone to do what my daughter does for me, will I see my daughter?”
Having money and not spending it may be a problem lots of caregivers wish their families had, but it’s a problem nonetheless. “Money is a very emotionally charged issue,” Ms. Modigliani said. “It’s hard for rationality to rule.”
Read the whole article
Showing posts with label Finances. Show all posts
Showing posts with label Finances. Show all posts
Tuesday, August 9, 2011
Monday, June 20, 2011
50% off Heart Rate Monitors
Keep tabs on your Ticker!
Your purchases via this Blog help a worthy cause at no extra cost to you! All monies received go to help Austin Groups for the Elderly
Your purchases via this Blog help a worthy cause at no extra cost to you! All monies received go to help Austin Groups for the Elderly
SENIOR HELPERS’ AFFORDABLE CARE PROGRAM PROVIDES LOW/NO COST IN-HOME SENIOR CARE
SENIOR HELPERS’ AFFORDABLE CARE PROGRAM PROVIDES LOW/NO COST IN-HOME SENIOR CARE
Hospitals, Care Providers and Seniors Benefit from Reduced Costs and Medicare Savings
(Round Rock, Texas) – Living at home can often be seen as a luxury for senior citizens because not everyone can afford to pay for care. Senior Helpers of Central Texas, a leading in-home provider of senior care in Austin, Round Rock, Georgetown and surrounding locales, is helping to make that a more affordable option for our aging loved ones. Senior Helpers is now working with area hospitals, rehabilitation, skilled nursing facilities and home health agencies to provide seniors with affordable or no cost access to home care. These partnerships will ultimately produce more positive outcomes for seniors who are discharged to their homes.
“Many of our patients need more consistent care than we are able to provide due to Medicare guidelines,” says Traci Boyle, R.N. Clinical Team Manager at Home Care Dimensions. “This program allows for those patients who need more assistance in their homes to be able to have a peace of mind knowing there are more sets of eyes and helping hands available to help keep them safe and at home. One of the largest obstacles facing the vast majority of our senior citizens today is living on a fixed-income. The Affordable Care Program allows us to target the patients with the highest needs and risk of re-hospitalization.”
The Affordable Care Program is funded solely by Senior Helpers. 10 percent of the services Senior Helpers receives from a health care provider’s referrals are donated to the Affordable Care Program. Those funds can then be directed by the local health provider who can determine how to best help their respective patient base. Some patients may receive Pro Bono services and some may receive a highly discounted rate.
“Home Care Dimensions is able to select the patients who do not qualify for government assistance due to making too much money, but yet are clearly in need of care,” says Boyle. “We refer to these people as the “lost middle”. We are very grateful to Senior Helpers for creating this innovative program and working with us to serve our community.”
In addition to helping seniors improve their individual outcomes, the Senior Helpers’ Affordable Care Program can save hospitals and rehabilitation facilities tens of thousands of dollars in Medicare reimbursements and penalties.
“Facilities we work with are sometimes charged by Medicare if their patients return to the hospital or a skilled nursing facility within a certain time frame after discharge,” says Frank Hayes, President of Senior Helpers of Central Texas. “The Senior Helpers program can provide more Aides in the home to ensure the senior is better taken care of and has the best chance for recovery. We look forward to working with many health care facilities in Central Texas to expand the program to a wider audience.”
###
About Senior Helpers:
Senior Helpers Provides in home senior care services throughout Central Texas servicing Austin, Round Rock, Georgetown, Cedar Park and all surrounding areas. We provide a wide range of personal and companion care services to assist seniors living independently with a strong focus on quality of life for the client and peace of mind for their families. Home care services are provided by bonded and insured employees and all employees pass a thorough background check. Senior Helpers strives to be the leading companion and personal care provider that offers dependable, consistent and affordable home care. Learn more about Senior Helpers at www.HomeHealthCareAustin.com or www.SeniorHelpers.com/RoundRock .
Tuesday, May 17, 2011
How to Retire When You Have Limited or No Retirement Savings
Hook Up!
Unless you're Rip van Winkle and have been asleep for the past 20 years, you know about the paucity of Americans' retirement savings and their resulting lack of confidence in their ability to retire. So if you're one of the millions of boomers approaching retirement age with low to no retirement savings, should you just wring your hands in despair and give up?
No way! You'll just have to be resourceful, and make the best use of the assets you have. Let me offer an example of how you can be creative to have a good retirement.
Suppose you're part of a married couple, both age 60, you're earning about $75,000 per year, and you've earned a similar amount throughout your career, adjusted for average growth in wages. Also suppose your spouse had sporadic earnings and will be relying on the Social Security spouse's benefit based on your earnings record.
In this case, your Social Security income at age 66, which is your Full Retirement Age (FRA), will be roughly $2,000 per month. Your spouse would receive an additional $1,000 per month at his or her FRA for a combined income of $3,000 per month, or $36,000 per year. Now consider a move that may sound radical, but is also quite practical: consider hooking up with another like-minded couple in a similar situation, finding a nice three-bedroom house, and living together. Your combined income will be $72,000 per year.
Beating the Averages
This $72,000 income amount is higher than the national average annual income of $62,857 for household units in 2009, as reported by the U.S. Department of Labor, or the median household income for all American family units of $50,221, as reported for 2009 by the U.S. Census Bureau. It's also higher than the average annual expenditures of $49,067 as reported by the U.S. Department of Labor in 2009 for all U.S. household units.
So if an average American family can live on less than $72,000 per year, I'm betting that two resourceful married couples can do the same. And remember that all this Social Security income will be increased for inflation, and that retirees pay less income taxes on Social Security income than taxes paid on wages earned by working Americans.
And there are a number of ways your situation can get better. First, if you delay taking your Social Security income until age 70, your monthly income would increase to $2,640 per month. There's no reason for your spouse to delay taking benefits beyond age 66, since there's no delayed retirement credit that increases the spouse's income. In this case, you'd want to file and suspend your Social Security income at age 66, so your spouse can start the $1,000 monthly spousal benefit income at age 66. When you reach age 70 and you begin taking your Social Security benefits, your combined income will be $3,640 per month, or $43,680 per year. If both married couples did this, their combined income would be $87,360 per year.
It can get even better if both couples start saving like crazy now, and between them save $2,000 per month. If they do that for 10 years, they will have accumulated a little over $150,000 (assuming they earn 5 percent annually on their savings). If they decide to start drawing on that savings for additional income, it could generate $6,000 per year if they withdraw just 4 percent of their savings, and $7,500 per year if they withdraw 5 percent.
Don't Spend it All in One Place
However, I'd suggest they keep this savings invested for the inevitable day when one or more of them die and they lose the resulting Social Security income. In the example above, if either the wage earner or the spouse dies, then the spousal benefit of $1,000 per month stops, and the wage-earner's income continues for the remaining life of the surviving spouse. This amount was $2,000 per month if the wage-earner started benefits at age 66 and $2,640 per month if the benefit started at age 70.
I'd also suggest that this pair of couples make every attempt to spend less than their combined Social Security income and save as much as possible, because it's inevitable that one or more of them will need some form of long-term care. They may be able to take care of the first person needing care, but eventually they won't be able to do this on their own and they'll need to pay for additional help of some kind.
I also recommend they make a pact to be as healthy as possible, to reduce the money they'll spend on medical and long-term care bills. All of them can encourage each other to get daily exercise, such as walking together after dinner. They can share meal responsibilities, making healthy food they can all share. They might band together to grow their own food in a vegetable garden. They could share resources, such as appliances, cars, furniture, etc. They could start their retirement with a giant yard sale to get rid of the furniture and appliances they don't need -- that would garner even more savings. In short, they've formed a commune!
Finally, if one or both of the couples own homes that can be rented, they should do so in order to generate additional income. And the home equity could be tapped if and when one or more of these retirees needs long-term care.
I realize that there are many challenges that need to be addressed with such an arrangement, such as compatibility, discretionary spending, sharing of savings, estate issues, and deciding where visiting children or grandchildren will stay. And there will be significant challenges when one person needs long-term care or dies; they will need to plan carefully for this eventuality. But in the meantime, they'll have had many good years of retirement.
This is just one example of how you can be resourceful to make your retirement work. I realize that your circumstances might not fit the above example, but I hope this will inspire you to get creative in order to make the best of your retirement years.
About Senior In Home Health Care in Austin, Texas Senior Helpers Provides Senior In Home Care Services in the Central, Texas area. We provide a full array of Home Care services for seniors and the elderly living in this beautiful area. Our Home Care Services are provided by bonded and insured employees and all employees pass a National Background check. If you need Home Care services in Austin, Bartlett, Bertram, Briggs, Burnet, Cedar Park, Florence, Georgetown, Granger, Holland, Hutto, Jarrell, Johnson City, Killeen, Leander, Liberty Hill, Manor, Marble Falls, Pflugerville, Round Mountain, Round Rock, Salado, Spicewood, Taylor and the surrounding areas we are an excellent choice with impeccable references. Home Health Care for your elderly loved ones is never an easy choice but we can promise we will do our best to make it as painless as possible. From our family to yours we sincerely thank you for considering Senior Helpers of Austin Home Health Care Company. Learn more about Senior Helpers at www.HomeHealthCareAustin.com
Unless you're Rip van Winkle and have been asleep for the past 20 years, you know about the paucity of Americans' retirement savings and their resulting lack of confidence in their ability to retire. So if you're one of the millions of boomers approaching retirement age with low to no retirement savings, should you just wring your hands in despair and give up?
| |
Suppose you're part of a married couple, both age 60, you're earning about $75,000 per year, and you've earned a similar amount throughout your career, adjusted for average growth in wages. Also suppose your spouse had sporadic earnings and will be relying on the Social Security spouse's benefit based on your earnings record.
In this case, your Social Security income at age 66, which is your Full Retirement Age (FRA), will be roughly $2,000 per month. Your spouse would receive an additional $1,000 per month at his or her FRA for a combined income of $3,000 per month, or $36,000 per year. Now consider a move that may sound radical, but is also quite practical: consider hooking up with another like-minded couple in a similar situation, finding a nice three-bedroom house, and living together. Your combined income will be $72,000 per year.
Beating the Averages
This $72,000 income amount is higher than the national average annual income of $62,857 for household units in 2009, as reported by the U.S. Department of Labor, or the median household income for all American family units of $50,221, as reported for 2009 by the U.S. Census Bureau. It's also higher than the average annual expenditures of $49,067 as reported by the U.S. Department of Labor in 2009 for all U.S. household units.
So if an average American family can live on less than $72,000 per year, I'm betting that two resourceful married couples can do the same. And remember that all this Social Security income will be increased for inflation, and that retirees pay less income taxes on Social Security income than taxes paid on wages earned by working Americans.
And there are a number of ways your situation can get better. First, if you delay taking your Social Security income until age 70, your monthly income would increase to $2,640 per month. There's no reason for your spouse to delay taking benefits beyond age 66, since there's no delayed retirement credit that increases the spouse's income. In this case, you'd want to file and suspend your Social Security income at age 66, so your spouse can start the $1,000 monthly spousal benefit income at age 66. When you reach age 70 and you begin taking your Social Security benefits, your combined income will be $3,640 per month, or $43,680 per year. If both married couples did this, their combined income would be $87,360 per year.
It can get even better if both couples start saving like crazy now, and between them save $2,000 per month. If they do that for 10 years, they will have accumulated a little over $150,000 (assuming they earn 5 percent annually on their savings). If they decide to start drawing on that savings for additional income, it could generate $6,000 per year if they withdraw just 4 percent of their savings, and $7,500 per year if they withdraw 5 percent.
Don't Spend it All in One Place
However, I'd suggest they keep this savings invested for the inevitable day when one or more of them die and they lose the resulting Social Security income. In the example above, if either the wage earner or the spouse dies, then the spousal benefit of $1,000 per month stops, and the wage-earner's income continues for the remaining life of the surviving spouse. This amount was $2,000 per month if the wage-earner started benefits at age 66 and $2,640 per month if the benefit started at age 70.
I'd also suggest that this pair of couples make every attempt to spend less than their combined Social Security income and save as much as possible, because it's inevitable that one or more of them will need some form of long-term care. They may be able to take care of the first person needing care, but eventually they won't be able to do this on their own and they'll need to pay for additional help of some kind.
I also recommend they make a pact to be as healthy as possible, to reduce the money they'll spend on medical and long-term care bills. All of them can encourage each other to get daily exercise, such as walking together after dinner. They can share meal responsibilities, making healthy food they can all share. They might band together to grow their own food in a vegetable garden. They could share resources, such as appliances, cars, furniture, etc. They could start their retirement with a giant yard sale to get rid of the furniture and appliances they don't need -- that would garner even more savings. In short, they've formed a commune!
Finally, if one or both of the couples own homes that can be rented, they should do so in order to generate additional income. And the home equity could be tapped if and when one or more of these retirees needs long-term care.
I realize that there are many challenges that need to be addressed with such an arrangement, such as compatibility, discretionary spending, sharing of savings, estate issues, and deciding where visiting children or grandchildren will stay. And there will be significant challenges when one person needs long-term care or dies; they will need to plan carefully for this eventuality. But in the meantime, they'll have had many good years of retirement.
This is just one example of how you can be resourceful to make your retirement work. I realize that your circumstances might not fit the above example, but I hope this will inspire you to get creative in order to make the best of your retirement years.
About Senior In Home Health Care in Austin, Texas Senior Helpers Provides Senior In Home Care Services in the Central, Texas area. We provide a full array of Home Care services for seniors and the elderly living in this beautiful area. Our Home Care Services are provided by bonded and insured employees and all employees pass a National Background check. If you need Home Care services in Austin, Bartlett, Bertram, Briggs, Burnet, Cedar Park, Florence, Georgetown, Granger, Holland, Hutto, Jarrell, Johnson City, Killeen, Leander, Liberty Hill, Manor, Marble Falls, Pflugerville, Round Mountain, Round Rock, Salado, Spicewood, Taylor and the surrounding areas we are an excellent choice with impeccable references. Home Health Care for your elderly loved ones is never an easy choice but we can promise we will do our best to make it as painless as possible. From our family to yours we sincerely thank you for considering Senior Helpers of Austin Home Health Care Company. Learn more about Senior Helpers at www.HomeHealthCareAustin.com
Tuesday, April 5, 2011
Senior Helpers Job Fair Wednesday 4/6/2011 @ 4:30 PM
| Location: | 306 E. Main St. Suite 103, Round Rock, TX |
|---|---|
| More Info | Senior Helpers is the Premier Senior Care Agency in Central Texas. We have many openings for caregivers of all skill levels, including : CNA's , Home Health Aides and Companion Caregivers [entry level]. Senior Helpers also has Full-Time positions available as well as part-time positions that can fit your schedule - especially weekends and evenings. Positions are available immediately throughout Central Texas in: Austin, Round Rock, Georgetown, Lakeway, Cedar Park and Burnet. Some of the many benefits you will receive as an employee of Senior Helpers: 1. A Competitive pay rate 2. Medical Benefit Programs 3. Fantastic Training Programs to further your knowledge If you are unable to attend the job fair but are interested in this employment opportunity please fill out our online application: http://www.seniorhelpers.c |
Friday, March 18, 2011
2010 Tax Tips for Family Caregivers
If you are supporting an elderly parent, you may qualify for some tax benefits from the government that rewards you for your caregiving efforts. These tax benefits may include claiming your parent as a dependent on your tax return or deducting the contributions you made towards their medical expenses and medical care. In order to qualify for these tax breaks, you must first be aware of the tax benefits available and then determine whether or not you qualify.
10 Quick Pickups for Your Personal Finances
Article from The Atlantic.You don't have to be an expert to manage your money and prepare for life's unexpected twists and turns.
Shopping for better deals is easy. Don't forget to use this Blog's Amazon link on the side bar. We are an Amazon Affiliate and all proceeds go to support Austin Groups for the Elderly!
Speaking of Amazon. It's the Friday Sale!
Shopping for better deals is easy. Don't forget to use this Blog's Amazon link on the side bar. We are an Amazon Affiliate and all proceeds go to support Austin Groups for the Elderly!
Speaking of Amazon. It's the Friday Sale!
Tuesday, March 15, 2011
Are Heirs Responsible for Credit Card Debt?
Sage advice from the NY Times: Experts say that unlike a mortgage or a car loan, credit card debt is unsecured, meaning that it isn’t tethered to an asset. When someone dies, credit card companies have to wait near the back of the line to receive payment. If what’s left over after settling the estate isn’t enough to pay the bill, credit card debt is written off.
Friday, March 4, 2011
Friday, February 25, 2011
Thursday, February 24, 2011
Tuesday, February 22, 2011
6 Estate Planning Questions
The essential issues your parents will address through estate planning
By Barbara Kate Repa, Caring.com Author
In deciding whether they need to do any estate planning, the key questions your parents should answer are whether there is any property they would like a particular person or charity to receive after their deaths and whether they have strong opinions about their medical care and final arrangements. If so, it's usually wise for them to get some simple documentation in writing to provide legal assurance that those wishes will be enforced.
Specifically, when considering whether to take any steps toward estate planning, your parents should ask themselves:
- What are my assets and what is their approximate value?
- What people or organizations do I want to have these assets -- and do I wish to give them up during my lifetime or after my death?
- Who should manage these assets during my lifetime if I become unable to do so, or after my death if management is needed?
4. Who should be responsible for taking care of any minor or dependent children if I become unable to do so?
5. Who should make decisions about my medical care and finances if I cannot make them?
6. After I die, do I want my remains to be donated, cremated, scattered, or buried?
http://www.caring.com/checklists/estate-planning-questions
"Learn About Senior In Home Health Care in Austin, Texas Senior Helpers Provides Many services in the Austin, Texas area. We provide a full array of Home Care services for seniors and the elderly living in this beautiful area. Our Home Care Services are provided by bonded and insured employees and all employees pass a National Background check. If you need Home Care services in Austin, Bartlett, Bertram, Briggs, Burnet, Cedar Park, Florence, Georgetown, Granger, Holland, Hutto, Jarrell, Johnson City, Killeen, Leander, Liberty Hill, Manor, Marble Falls, Pflugerville, Round Mountain, Round Rock, Salado, Spicewood, Taylor and the surrounding areas we are an excellent choice with impeccable references. Home Health Care for your elderly loved ones is never an easy choice but we can promise we will do our best to make it as painless as possible. From our family to yours we sincerely thank you for considering Senior Helpers of Austin Home Health Care Company. "
Monday, February 21, 2011
Friday, February 18, 2011
Friday, February 11, 2011
It's Friday. You know what that means!
The Friday Sale at Amazon!
This blog is an Amazon Affiliate. All earnings go to support Austin Groups for the Elderly. It costs you nothing to help - but gives a lot to help support the elderly in Central Texas.
This blog is an Amazon Affiliate. All earnings go to support Austin Groups for the Elderly. It costs you nothing to help - but gives a lot to help support the elderly in Central Texas.
Friday, January 28, 2011
Letting Mom and Dad Live on Their Own Terms
Author: Janice Van Dyck
Millions of us went home for the holidays. Well, not "home" exactly. In reality, millions of us left home, and went back for the holidays. Back to who we used to be, back to where we came from, and in some cases, back in time. Like salmon up the river, we inexplicably navigated back to the people of our birth. Our parents.
Have you ever made the trip thinking, what if this is the last time? Parents age, especially when we're not looking, and most especially when we live far away from them. Periodic visits sharpen our senses. All of a sudden, we may be witnessing our parents in steep decline, heading toward the exit ramp, and it raises all kinds of questions.
When will it be time for assisted living? Should Mom still be driving? Are they taking their pills? Is Dad's memory actually shot?
These realizations can be tough, especially if your parents have been role models of determination and resourcefulness. Dealing with normal age-related decline can cause dissention amongst siblings, too, because each has a different relationship with Mom and Dad. For example, in my family, my sister lives closest to our father, and has regular visits with him. My brother and I live in different corners of the country and our main contact with Dad is by e-mail and telephone. Who is in the best position to judge how he's doing? As he approaches the 80-year mark, who has got the best perspective on his health?
Millions of us went home for the holidays. Well, not "home" exactly. In reality, millions of us left home, and went back for the holidays. Back to who we used to be, back to where we came from, and in some cases, back in time. Like salmon up the river, we inexplicably navigated back to the people of our birth. Our parents.
Have you ever made the trip thinking, what if this is the last time? Parents age, especially when we're not looking, and most especially when we live far away from them. Periodic visits sharpen our senses. All of a sudden, we may be witnessing our parents in steep decline, heading toward the exit ramp, and it raises all kinds of questions.
When will it be time for assisted living? Should Mom still be driving? Are they taking their pills? Is Dad's memory actually shot?
These realizations can be tough, especially if your parents have been role models of determination and resourcefulness. Dealing with normal age-related decline can cause dissention amongst siblings, too, because each has a different relationship with Mom and Dad. For example, in my family, my sister lives closest to our father, and has regular visits with him. My brother and I live in different corners of the country and our main contact with Dad is by e-mail and telephone. Who is in the best position to judge how he's doing? As he approaches the 80-year mark, who has got the best perspective on his health?
Thursday, January 20, 2011
How to turn a $250,000 Hospital Bill into a $17,000 Bill
Following up on yesterday's post "Senior Helpers Can Help Reduce your Medical Expenses up to 80%"where we announced a partnership with Health Care Advocates (HCA) the San Diego Reader has published the best expose on the systematic and institutionalized overcharging for services by the health care system that I have ever seen:
http://www.sandiegoreader.com/news/2010/jul/07/cover/
This article demonstrates the necessity of the service that Health Care Advocates provides and the sheer size of the problems that the average consumer faces when dealing with major medical bills.
Can you imagine your 85 year old mother or grandfather having to deal with this?
Senior Helpers' FREE program puts a team of professionals behind you to negotiate with hospitals and other medical providers on your behalf. Learn More ( www.managemymedicalbills.com/sh.html )
By the way, Chad Deal, the author of the above article is now a huge supporter of HealthCare Advocates, Inc. so much so that he is an Agent for HCA!
I trust you will be as motivated and educated by this article as I was.
http://www.sandiegoreader.com/news/2010/jul/07/cover/
This article demonstrates the necessity of the service that Health Care Advocates provides and the sheer size of the problems that the average consumer faces when dealing with major medical bills.
Can you imagine your 85 year old mother or grandfather having to deal with this?
Senior Helpers' FREE program puts a team of professionals behind you to negotiate with hospitals and other medical providers on your behalf. Learn More ( www.managemymedicalbills.com/sh.html )
By the way, Chad Deal, the author of the above article is now a huge supporter of HealthCare Advocates, Inc. so much so that he is an Agent for HCA!
I trust you will be as motivated and educated by this article as I was.
Contact Senior Helpers Today to Learn More about this exciting FREE Program!
Call 512-388-4357 or Visit Our Website www.seniorhelpers.com/RoundRock
Wednesday, January 19, 2011
Senior Helpers Can Help Reduce your Medical Expenses up to 80%
Senior Helpers’ Medical Cost Savings Program
Save 20%- 80% on Your Medical Bills from Now On!
Whether you are young, old, single, have a growing family or are retired, you are at risk from out-of-control medical costs - even if you are insured and especially if you are not. Medical Debt Causes over 62% all of bankruptcies in the US according to a 2007 study conducted by Harvard University, making the high cost of medical care arguably the #1 financial challenge in America. Another finding - 75% of those filing bankruptcies due to medical debt have health insurance!
Senior Helpers of Central Texas has partnered with Health Care Advocates (HCA) to help reduce theses costs. This FREE program puts a team of professionals behind you to negotiate with on your behalf. Learn More ( www.managemymedicalbills.com/sh.html )
How Health Care Advocates dramatically reduces medical bills
1. Health Care Advocates audits medical bills like the IRS audits tax returns! The HCA team consists of doctors, nurses, attorneys, medical billing experts and coding specialists. Fully 94% of medical bills are wrong. And not just math errors but other "errors" that greatly inflate costs. The highly-experienced HCA team challenges these excesses and normally achieves a bill reduction of 20% to 80% or more!
2. Health Care Advocates works to extend insurance coverage for its clients. The HCA team gets coverage extended when it has been denied for a particular procedure or gets coverage levels increased so HCA clients with insurance get greater savings through higher insurance pay-outs!
3. Health Care Advocates obtains grants to help pay medical bills. There are many private and public grants as well as government programs to help pay medical bills that the average consumer is unaware of. The HCA team regularly obtains grants and other funding that pay for their clients' health care costs when they are uninsured or the bills are more than they can comfortably handle. There are many instances of HCA member's medical bills being completely eliminated!
Contact Senior Helpers Today to Learn More about this exciting FREE Program!
Call 512-388-4357 or Visit Our Website www.seniorhelpers.com/RoundRock
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