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Long-Term Care: Assess Your Risk and Make a Financial Plan


Written by Eva Benoit | |

Image via  Pexels

Image via Pexels

Who Needs Long-Term Care?

The chances that a senior will need long-term care at some point are about 50/50. When using the phrase “long-term care,” it likely conjures up images of people wasting away their golden years in a nursing home, but that’s not the case for the majority of people who end up needing it. Long-term care is a catch-all for any and all medical and non-medical services that help people live safely and comfortably when they are unable to care for themselves. While for some seniors that may involve entering an assisted living facility, for many, it might mean an in-home caregiver that helps out with daily chores as they recover from surgery.

People can be proactive when it comes to making sure they land on the better side of the coin. Certain lifestyle choices help reduce the chance of developing age-related illnesses. They can even change genetic makeup for graceful aging.  Furthermore, there are genetic tests that can detect hereditary problems before symptoms even begin to show.

  • Do not smoke. If you smoke, quit. Smoking actually damages your DNA. Also avoid drugs and only drink in moderation, if at all.

  • Eat a diet full of whole foods-- especially fresh fruits and vegetables that reduce your chance of developing heart disease, even if heart disease doesn’t run in your family.

  • Exercise regularly. Exercise keeps your weight at a healthy level, preventing obesity-related diseases. Furthermore, adding resistance and weight training to your exercise routine can help rebuild lost muscle tone. Regular exercise can even prevent early symptoms of dementia.

  • Be social. Senior loneliness is such a health threat in the United Kingdom that the government appointed a Minister for Loneliness as a response.

  • Genetic tests can help warn about diseases, including breast cancer, ovarian cancer, age-related macular degeneration, Parkinson’s disease, and more.

How to Pay for Long-Term Care: Medicare and Insurance Considerations

All the fruits and vegetables in the world can’t change happenstance-- even if you don’t think you will need long-term care, it’s still important to have a plan for paying for it. Medicare does not pay for long-term care. Even Medicare advantage plans -- like the ones offered by Humana that offer benefits for prescriptions, dental, vision, fitness services, and caregiver support -- don’t cover all types of long-term care. While long-term care insurance is an option, more and more people are opting out and looking to other methods of payment.

If you own a life insurance plan, you can sell it as a way to pay for the costs of retirement, including those of long-term care. Formally, this transaction is called a life settlement. Not all people are eligible to sell their life insurance; you have to submit health records and other information before a life settlement provider will agree. However, if you are over 65 and your policy is worth at least $50,000, it shouldn’t be a problem to sell your policy. You can receive the money in a lump sum or in regular payments so you can continuously pay for long-term care needs.

Seniors face 50/50 odds when it comes to needing long-term care. People who live active and social lifestyles fueled by a healthy diet can reduce their chances of needing long-term custodial care, but there is always a chance that something can happen. Paying for this kind of care can be a huge burden if you don’t plan for it. Medicare covers a lot of medical costs, but many of the costs associated with long-term care have to be paid out of pocket. Seniors with life insurance plans can sell them to life settlement providers as a way to free up cash that can be used on long-term care, whether they need it or not.

Find Out Who Stereotype Turned Down to Go on Tour With & WHY



Last week we made the decision to not go on a big tour with some emerging artist. Not sure if you heard of Tory Lanez or ASAP Ferg but those were 2 of them. We had to chance to set up pop-up shops around the country to meet music lovers around the world.

Why did we turn this down?

At the present moment I am the only full time employee at Stereotype Co. In recent e-mails I spoke about growth and how certain things are affecting our growth. Since Stereotype Co has set up multiple classes in schools, events locally and collaborative projects I had to say NO to this opportunity.

It would've been fun but sometimes fun has to take the backseat.  wouldn't have it any other way. Work needs to be done here and even though it was tempting it wasn't the right time.

Please keep sending us your good vibes as we deal with these new growth conflicts within our company.



A Secret You May Have Not Known About Stereotype, A Dream and Job Opportunity


What's Up Stereotype Fam

I wanted to let you in on a little secret. 

Stereotype Co still operates out of my parents basement. It's not something I am ashamed of. I just wanted to shed some light on our company. We print, produce, assemble and craft all the items you have seen, worn and purchased right in my families basement in Staten Island NY. As convenient as this may be there are some issues we deal with by working from this location

1. It is difficult to have workers here unless I am here with them.
2. It is impossible to train interns. (city and state regulations)
3. It gets in the way of my family
4. Interruptions
5. Other peoples stuff is in the way. The basement is also where my family does their laundry. It's not a mess down here but there's a lot of stuff everywhere.
6.  It is not a professional setting. Makes it difficult to have meet ups, training. This makes it harder to score big accounts and grow.

Even though the rent is low to operate out of this location where I grew up. It makes it a little difficult to grow. We are currently dealing with growing pains.

I love my parents and this is no way a diss to them. I am very grateful they allow me to work out of here without giving me shit  like " you're too old to work out of our home" . They are full supportive of Stereotype Co. My dad actually just gave me a bowl of chicken soup right before I started writing this.

I wanted to publicly tell you guys my newest dream. My dream is to have a Stereotype Co office before the year ends. A place where we can focus on creating, training and growing together. Maybe even a place where we can have workshops and teach people in the community things. I figured by putting it out there it will inspire me to make it happen. And who knows? Maybe someone out there will want to support Stereotype Co on this new dream.

Which leads me to say this.

Stereotype Co is hiring! 

We created a Street Team Program that allows you to work from anywhere in the world and make some extra $ working with Stereotype Co.

This is one of our first steps into growing into a space where we can give people FT jobs.

Click the image below to get more information and see how you can become a Stereotype Street Team and make some $.


We appreciate your love and support over the last 8 years. You have allowed me to do nothing but Stereotype Co and for that I'm grateful.This is my life. This isn't just a job. Some people still think I'm crazy but I just call it Crazy in Love with what I do. 

Hope you all have a great weekend