Shingles Vaccine Shortage

If you are in the habit of getting vaccinated for shingles, you may be forced to wait. Shingrix — which is the vaccine for shingles prevention — has been such a sought after thing that its maker, Glaxo-SmithKline hasn’t been able to produce enough supply to keep up with the demand.

This particular vaccine is recommended for those older than 50, but many who are over 50 are having trouble getting it. There are allegedly no manufacturing problems, the company just wasn’t expecting so many people to want it.

Many individuals are desperately trying to avoid shingles, since it causes a rash that can be extremely painful, itchy and even in some cases debilitating. Sometimes it even leaves long-lasting nerve damage for months or years after contracting it.

Shingles comes from the childhood virus chicken pox, which goes dormant for years, until reactivated sometime after the age of 50 usually. 1 in 3 people are likely to have it at some point in their lives, and it can be reoccurring.

Studies have shown that two vaccinations between two to six months apart were more than 90% effective at preventing the rash, and almost 90% effective at preventing nerve complications.

Talk to your doctor to see if it is available, or how long the wait list is for the vaccine should you so desire it.

Stay healthy!

Article Originally Posted in the New York Times
Original wording changed for reposting purposes


A Brief History of American Medical Insurance

SeniorQuote has posted similar articles before on the history of medical insurance in America, specifically in regard to Medicare and sometimes even social security.

Today we’d like to refer you to another wonderful article summarizing American Medical Insurance, speicifically in regards to why and how it came to be so expensive, and what the high costs are doing to the economy.

Featured in Hillsdale College’s Imprimis September 2018 • Volume 47, Number 9 this article was originally written by John Steele Gordon, the author of An Empire of Wealth: The Epic History of American Economic Power. John was educated at Millbrook School and Vanderbilt University. His articles have appeared in numerous publications, including Forbes, National Review, Commentary, the New York Times, and the Wall Street Journal. He is a contributing editor at American Heritage, where he wrote the “Business of America” column for many years, and currently writes “The Long View” column for Barron’s. He is the author of several books, including Hamilton’s Blessing: The Extraordinary Life and Times of Our National Debt, and The Great Game: The Emergence of Wall Street as a World Power.

Click on this link to read the piece.

Estate Planning Tips

How often do you update your estate plan? A better questions might be: how often do you even think about your estate plan?

Your estate might not seem like much to you, but “estate planning” isn’t reserved for those with multiple stories and acres of property. It covers what you own and care about, even if you’re a renter. And let’s face it, everyone has a funeral in their future to think about.

To be legally salient, an attorney in your state of residence must be involved — one who specializes in estate planning. This is one thing you may want to avoid the do-it-yourself methods; ask a bank or local bar association for a referral, or visit

Start thinking about who gets what and who takes care of your children, or your pets, etc. Don’t approach an attorney without having thought to the best of your ability what your wishes and plans are for the future, as well as an understanding of estate planning terms.

A will, for example, is usually the first document everyone things about when planning for the future. It puts in writing your specific instructions especially regarding the distribution of your belongings. It simultaneously binds an individual you name as executor to carry out your wishes. If you would like some of your finances or possessions to be given to charities, you can do so in your will.

The two major drawbacks of a will are firstly, it must go through the court process called probate which can take time, cost money, and makes your assets part of the public record. Secondly, a will does not cover the possibility of your still being alive but incapacitated. So what are your other options?

Have you ever heard of a revocable living trust? You can create one while you are alive, and also serve as the trustee. You can re-title all of your major assets (e.g. your home), investment accounts (with the exception of retirement accounts) and property. This does not stop you from buying and selling those assets, you simply must report gains or losses on your personal tax return; there are no tax consequences or benefits from doing so. For a living trust, you must also name a successor trustee to act after your death, or if you become incapacitated, as previously stated. The successor does not have to go through the court probate process to carry out your wishes. What if you own a home in a joint name? A RLT is probably better, because your spouse doesn’t have to get court permission to sell property if you can’t sign.

But that’s not all: you might still need a healthcare power of attorney, giving someone you trust the ability to make medical decisions if you are unable for yourself. A living will is recommended for detailing your feelings about prolonging end-of-life care.

Lastly, some of your assets are distributed directly to your named beneficiary regardless of your will or trust, including retirement plan accounts and life insurance policies. As you can see, there are plenty of things to keep in mind, and possibly revisit or change on a yearly basis at least. You can update the beneficiaries to reflect your current wishes without a lawyer.

For more informational articles like this one, visit our blog, at

Article Originally Published in the Union Tribune – August 26, 2018
Originally Authored by Terry Savage
Original wording edited for reposting purposes