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Area Agencies on Aging (AAAs) are local aging programs that provide information and services on a range of assistance for older adults and those who care for them. By contacting your local agency you get access to critical information including:
• Available services in your area
• Mobility assistance programs, meal plans & senior housing infromation.
• Assistance in gaining access to services
• Individual counseling, support groups and caregiver training
• Respite care
• Supplemental services, on a limited basis
Division of Senior Citizens
Department of Public Health
and Social Services
P.O. Box 2816
Agana, Guam 96910
Annuities Why look into annuities? If you're a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read .
Annuities For Dummies is a plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You'll find out exactly what annuities are, whether they're the right financial vehicle for you, and which of the many annuity options might have your name on it. You'll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to:
• Identify the main types of annuities
• Weigh the pros and cons of annuities for yourself
• Minimize the complexity of your annuity investment
• Figure out how much money to commit
• Avoid common annuity pitfalls
• Create an income you can't outlive
401K Seventy-eight per cent of eligible American employees participate in their company's 401(k) plan, comprising over 40 million workers. The Enron collapse, coupled with new uncertainty in the investing and accounting industries, however, has even longtime 401(k) investors rethinking their approach. This guide explains the basics of 401(k) investing in plain English, showing readers how to manage their accounts, minimize their investment risk and maximize their returns. It discusses the pros and cons of including company stock and helps readers decide whether taking out a loan against their 401(k) is a wise idea. The text explains the difference between a defined contribution and a defined benefit plan, including the pros and cons of each, has sample 401(k) portfolios for various stages of life and contains a retirement calculator formula to know how much you need to save. Read 401k For Dummies
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Award Winning HMOs
Find out if any HMOs in your area rank in the top 50.
Research Inc. ranks HMOs, provides price comparisons, tips
to ask when shopping for an HMO and answers to Frequently Asked
Questions. The site provides cost comparisons for over 200 Medicare health plans in 100 cities; a quick search feature for consumers to locate Medicare health plans; a convenient on-line form for requesting Medicare health plan information. The website does not provide health/medical information except for links to other such websites.
Insurance Counseling, Advocacy, and Medicare Help
Need help with the Medicare Maze?
Every state has a Health Insurance
Counseling and Advocacy Program
to help understand Medicare coverage, payments
and Medigap Insurance options.
Note: Toll free numbers often work only
from within the state.
From out of state? Use the other number, when
For more counseling information visit www.medicare.gov
Moving and Storage Services
Make sure you
have the information you need to protect
your memories, money, and belongings from moving problems.
The best defense against moving difficulties is to be informed and aware of your options when
choosing a reputable mover. While most household moves go smoothly, there are
many pitfalls that you should be aware of. It can also be stressful, even under
the best of circumstances. Use the checklist here to help guide you through the moving venture.
A key step is to read and understand all information provided by the mover. These should include the following basic documents
as part of your move:
The estimate should clearly describe, in writing, all charges for
services the mover will perform. Make sure the estimate is signed by the mover.
Do not accept oral estimates.
|Bill of Lading
The bill of lading is a contract between you and the mover and a receipt of
your belongings. You should be given a partially completed copy of the bill of
lading before the mover leaves the residence at origin.
|Order for Service
The order for service is a list of all the services the mover will perform and shows the dates your household goods will be picked up and delivered
The inventory is the receipt showing each item you shipped and its condition.
Be sure you receive a written copy of the inventory after your household goods
are loaded, and that you agree with its description of your household goods'
To resovle moving issues, contact your state regulartory agency below.
|PUC Transportation Licensing
and Enforcement Branch
State Department of Insurance
Insurance regulations differ from state to state.
help with an insurance company provider?
Want to know who writes Medigap
insurance in your state?
Contact: Insurance Department
of Revenue & Taxation
PO Box 23607
FMF Barrigada, Guam 96921
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4521 Campus Dr. #131
Irvine, CA 92612