April 27, 2025 • 45 mins
Listen in as host Steve Kuker, President of Senior Care Consulting, visits with Bruce Glenn, Senior Wealth Manager and President of Rally Wealth and Benefits. Bruce discusses the wild fluctuations in the market and explains there are many other factors, in addition to tariffs, affecting the market. Steve answers his most frequently asked question of when to consider moving from home to a senior care community. #SeniorCare #SeniorCareLive #SeniorCareConsulting #SeniorLiving #KansasCitySeniorCare #SeniorCarePlacement #SeniorCareAdvisor #Franchise #SeniorCareFranchise #Fiduciary #WealthManagement (800) 331-6445
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Are you caring for an aging loved one? Are you
a senior searching for answers? Welcome to Senior Care Live,
a program dedicated to you, providing information, education, and resources
for seniors and their caregivers. And now America's Senior care Consultant,
Steve Keecker, Hello and welcome to Senior Care Live.
Speaker 2 (00:25):
I'm Steve Keeker. You're Senior Care Consultant, and I really
appreciate you tuning in today. We have a wonderful program
on tap with my friend and special guest in studio,
mister Bruce Glenn. He's the senior Wealth Manager and president
of Rally Wealth and Benefits and Bruce, welcome back to
Senior Care Live.
Speaker 3 (00:45):
Thanks Steve, It's good to be yours always.
Speaker 2 (00:47):
Hi, it's good to see it. And you've got the
right Gulf shirt on today. The Kansas City Royals, how
about that? Well, we have we have hope. Yeah, we
need to start swinging the bats a little bit better
and then I think we'll be okay.
Speaker 3 (00:58):
So I think the Royals are vindicative of the markets
right now.
Speaker 2 (01:02):
A little up and down. That's a good set, more
down than up at the well okay, well yeah yeah,
so but there's always it is early. Yeah, yeah, yeah,
it is early. So if you have questions for Bruce
and the the excellent team at Rally wealthon benefits in
Kansas City, it's nine to one three three zero eight
(01:23):
zero two seven seven or otherwise nationwide toll free eight
eight eight two four one two three six one could
always go online excellent website rally wb dot com. And
so Bruce, you kind of you kind of set us
up today. Uh, it has been a wild ride, to
say the least, in the markets here lately. So maybe
(01:45):
you maybe you heard that a time or two possibly.
Speaker 3 (01:48):
Yeah, Actually, you know, it's a great rollercoaster ride. There's
there's actually been some record you know, trade days going
on there last couple of weeks. Yeah, yeah, it's been
pretty crazy.
Speaker 2 (01:58):
So let's talk about the hottest topic in the in
the land right now. What is causing all of this
market volatility.
Speaker 3 (02:08):
So, contrary to popular belief, it's not exclusive to tariffs,
but tariffs are the big item.
Speaker 2 (02:14):
There's a big driver, right, it's a.
Speaker 3 (02:15):
Big laundry list. So you have, okay, the tariff conversations
of the Magnificent seven stocks. We'll get into that a
little bit. Tax policies, and what Congress is going to
do with taxation, regulatory and some energy policy items there
as well, what the Federal Reserve is doing or not doing.
And then you've got global central banks making some adjustments
(02:36):
their monster policies. Inflation is always the backdrop of everything,
and a government spending, of course, is part of this
overall picture. A mosaic of challenges we're fighting with. But
it's a little touch of Cuba and you know, a
little bit of touch of immigrant policy that kind of
filters into this to some of your another. But tariffs
is certainly the big animal.
Speaker 2 (02:56):
Yep, So tariff tariffs would be the main driver. But
so that's really good to know though, because so it's
not just that. I mean, that's a big part of it,
but we have a lot of other things that are
impacting this. So uh so tariffs, so let's let's talk
about that, and uh you know what what about.
Speaker 3 (03:12):
Tariffs, Well, a lot of the bigger concern about tariffs
is where we're out with China. And I like to
remind folks that you know, there we've we've been in
a tariff war with China for a long time, and
believe it or not, they started it. Yeah, with their
their theft of you know, our intellectual properties there, their
manipulation of monetary policies. Uh, you know, they're even flooding
(03:33):
our our borders with you know, illicit drugs that we're
trying to get them to stop. But you know, they
could stop COVID in their country, but they couldn't stop this.
Speaker 2 (03:42):
Yeah.
Speaker 3 (03:42):
Yeah, it's not interesting. But you know, a lot of
the problem with the tariffs is, you know, as a country,
us A, we've got you know, high debt and I
don't want to touch on that a little bit deeper
in a minute, but and then you know, the trades
need to be levelized. So a lot of the countries
over the last several decades have started adding on on
challenges for US to get our products into their countries,
(04:04):
whether it be putting tariffs against our products or just
not letting him there at all. And so President Trump,
he did this in his first administration. President Biden maintained
the tariffs that the President Trump put in place back
in sixteen, seventeen, twenty eighteen, and so on and so forth. Yep,
But at some point you've got to try and levelize
the playing field and it's just gotten out of control
(04:24):
and worse and worse and worse. And so President Trump
wants to get this stop so we can get it
more openness for our companies and our employees to be
better protected and not just be you know, in a
no win situation around the world in a lot of countries,
that's the way it is. Yep.
Speaker 2 (04:42):
And you know, I've and it's amazing. You kind of
expect that from China, but you don't expect that from
some of our allies, some of our friends. And then
just to hear all of these numbers, these you know,
billions and sometimes hundreds of billions of dollars of a
trade deficit, it is not fair that is destroying jobs
and plants in the United States and all of those things.
(05:04):
So so I frankly, I know there's a little bit
of pain up front that we're seeing right now, but
I'm glad that our president is standing up and trying
to level that playing field because I think in the
long term, in the long run and the bigger picture,
we're going to be so much better off. So what
about the US dollar decline and what effect does that have?
Speaker 3 (05:25):
So that is kind of one of the symptoms that
kind of causes the medicine of the tariffs needing to
be brought to play. So we've got so much debt
right now, we're only at the second highest level of
debt as a country of all time. We're at one
hundred and twenty two percent debt and only second to
World War Two. Well, KOD grade four toward two is understandable.
(05:46):
We're fighting in global yeah, you know, terrible situation all
around the whole world. And this has been brought on
by you know, uh or the dollar decline's been drawn
on by bad debt. You know, we had good debt
to get through COVID, we could, but then there's a
lot of bad debt that was, you know, pile on
to it. We're still feeling some of the effects of
bad debt we did back during eight oh nine, back
(06:07):
in those days as well. But this high debt, what
it really does for us is it hurts our credit quality.
And when our US dollar credit quality is not as
strong as it should be, we're having a significant problem
selling our bonds or treasuries around the world as easily
as we used.
Speaker 2 (06:27):
To because our credit isn't maybe as good as it
once was.
Speaker 3 (06:30):
Exactly. Our debt's high, or so our credit's not as
good a lot of countries aren't, or a big investment
institutions aren't as apt by our treasuries. And so part
of that is the fact, you know, if you get
these terriffs in place, that helps generate some income for us. Also,
it's all interconnected. I mean, it's a big mass. Economics
are always a big mass. It's not as simple as
(06:50):
the news headlines want to make you believe. Yeah, yeah,
but the credit quality it is huge such concern. So
it's just like a mortgage on your home. If you're
paying a higher interest rate, you can't buy as much
of a home, or your payments are higher and you
can't spend as much money anyplace else. And if we
get the tariffs in place, the way that they're hoping
(07:10):
to get it done is if you lower the teriff
for what the US products are, and if you can
lower the other countries around the world the same way,
and everybody get kind of down to a normal not
too much of a tariff, more of equal playing playground
for everybody, you actually generate global economic stimulus because nobody
is paying too much, whereas right now we're paying a lot,
(07:32):
you know, and so on and so forth. So just
it makes a big difference all the way around the block.
Speaker 2 (07:37):
And so the credit quality really is important. And it
may not seem that like, like that big of a
deal at the surface level, but it really does have
an impact once you go under you know, maybe that
surface level or surface layer if you will, right.
Speaker 3 (07:53):
And so what's going on is we're having offer more
yield or more interest on our bonds for people to
buy them. And you know, that just kicks the debt
problem down the road that much further because when you
have this much extra debt out there, the service on
that debt just helps continue to the you know, the
financial problems in the United States. So you've got to
have good quality bond, high dollar value bill sell our bonds,
(08:16):
so lower interest rates and things like that. So it's
it's pretty important to get this soft squared away and
get it done. And I would like to invite our
listeners to not get to news shocked, headline shocked, because
the news job is to scare you. Yep. It's all
puppy dogs, rainbows and sunshine. Nobody's gonna listen to their news, yep.
Speaker 2 (08:33):
Yep, I wish they would do that, sprinkle some of
that in though. But yeah, So if you are one
of our listeners and if you have been listening to
too much of the news and you're like, oh my gosh,
we need to sell before before this market goes any lower, Bruce,
(08:54):
what would you say to that person, Because there are
people out there taking huge losses because they they think
you're going to lose it all.
Speaker 3 (09:01):
Well, and it goes. If you went back and stay
the markets the last hundred years, just missing out on
one or two of the best days of the market year,
your your overall performance in the markets is dramatically you know,
down and maybe even negative, So you can't afford to
not be in the markets. Yeah, it's always volatile. It's
a different news headline that is causing different seasons in
(09:23):
different situations, and right now it's mainly the tariffs. But
you really, you know, and plus the fact that if
you had a Christal ball and knew that this is
going to be a problem, you could have gotten out
of the market. Sure, but once it starts going down,
you really can't get out of it because first of all,
you don't know as soon as you get out of it. Now,
it's going to turn around on your problem.
Speaker 2 (09:38):
Yeah, and then you're gonna wish you wouldn't have done that.
Speaker 3 (09:41):
Yeah, exactly. And we insulate our folks and we actually
kind of just rebalancing and protected to a certain degree
on this situation. But you know, having a lot of
higher yield in your bonds and you in your stock
investments and not be as frothy on these overvalued growth stocks,
there's a big help right now. But you know, if
you're already in that situation, it's hard to you know,
to change them in midstream. But you do want to
(10:02):
evaluate the quality of what you own. Is if the
quality is not there, you may not rebound like you
should be. I always it's kind of like, uh, if
you're on the road with snow when you get stuck
in the ditch. You know the pickup they got you
stuck may not be what you need. Many a total
feach out.
Speaker 2 (10:15):
That's right, that's right. If you have questions, reach out
to Bruce Glenn, Senior wealth Manager and President of Rally
Wealth and Benefits in Kansas City. Nine to one three
three zero eight zero two seven seven toll free eight
eight eight two four one two three, six to one
online at rallywb dot com. Now the Senior Care Live
(10:35):
question of the Week, The financial market doesn't always come back.
Is this state true or false? What do you think?
Speaker 1 (10:43):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. For more information, visit Seniorcare Live dot com.
Speaker 2 (10:51):
We'll have more with Steve coming up next.
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Speaker 2 (12:06):
Welcome back. You're listening to Senior Care Live on the
Senior Care Broadcasting Network. For more information, go to Senior
Care Live dot com. All right, back to the Senior
Care Live question of the week. The financial market doesn't
always come back? Is that statement true or false? And
the answer is false? The answer is false in Bruce,
(12:33):
why is that statement false?
Speaker 3 (12:35):
Well, although it's not a guarantee, but last one hundred
years of history in the markets, the market has come
back one hundred percent of the time and made new
highs ad for these drops.
Speaker 2 (12:44):
That's a pretty good that's yeah, one thousands on that one. Now,
like you said, there's no guarantee, but if you look
at history, it comes back every time.
Speaker 3 (12:53):
Right, It just abounds on how what your time horizon is.
If you need to take money out when the market's down,
then it's a bad situation and you want to try
and avoid taking money out during drop and make sure
you've got some money's kind of set aside in some
stable areas. If you have some short term items you
need to be spending big chunks of money on things
like that. But yeah, the market is undefeated and very important.
(13:13):
And on this current market, we've talked about tariffs quite
a bit, my belief, and we covered this on a
webcast last week and to put out really good white
paper on this as well. But when you get a
few of the major key trading countries in, you know,
to get a deal done, get in line with the deal, India,
South Korea, Japan, Yep, Canada, you know a few of
(13:35):
these countries like that, they're all lighted up and discussing
right now exactly exactly. And as soon as you get
the key ones done, the rest of the dominoes are
going to fall. Yeah. And when the market has some
clarity that that there's a deal working and it's gonna
get done, you can see the market rebound in a hurry.
I mean right now, just just the rumor of somebody
saying that, oh, we're gonna slow down, you know, the
tariffs with China, or we're going to you know, pause
(13:58):
for ninety days or whatever the case might be. It's
just it's just words. It's not done yet. Yeah, yeah, yeah,
but it makes the market explode. And that's why you
can't be out of the market even though it's down
and it heards sin it's painful. Right now, you've got
to stay the course.
Speaker 2 (14:11):
And you've mentioned several times before that the market does
not like uncertainty. So that's why it's oh, we heard,
we heard a little bit of a good news, it
bounces up. I heard a little bit of a you know,
maybe questionable news that goes down. So so I agree,
you get you get some of the key trading partners
in line, and then and we have some stability. Now
(14:31):
it seems more certain, and then the thing's going to
go up. So you've mentioned previously the Magnificent Seven, and
I don't in the context of our conversations, I don't
think you're talking about the movie.
Speaker 3 (14:42):
No, but a great movie.
Speaker 2 (14:45):
Yeah, yeah, exactly, So maybe maybe let our listeners know
again a little refresher, what is the man Magnificent seven?
And then how are they doing?
Speaker 3 (14:54):
Right? So, these are the seven biggest stocks of the
United States companies of the SB five hundred, So you're
talking about the likes of Nvidia, Amazon, Tesla, Apple, Microsoft,
these type companies, And we noticed about a year ago,
and we took steps to correct this in our portfolios.
But we noticed about a year ago how there's begin
to be this real follow of the leader, where you know,
(15:16):
some of these companies and makings to seven companies were
making new highs and now you know, market's piling on,
piling on, piling on, and they became so overweighted. Those
top seven stocks account for around thirty percent of the
five hundred biggest companies in the United States. Oh wow,
so seven of them have thirty percent, four hundred and
ninety three of them only have seventy percent.
Speaker 2 (15:35):
Oh wow.
Speaker 3 (15:35):
Yeah, And we've seen this story before and it never
ends very good, right, yeah, because the evaluations just have
gotten so hot, so frothy that that's part of what
we're seeing in this market pullback because they were a
little bit over their skis, and so when there's some
market sphere, they come back further, and there's such a
big weight on the market that they pull down a
lot of airbails with them, and when they remaild, they
(15:57):
pull their bill back like you know Tuesday this week,
for example. Yep, you know this big hot day in
the market. Well, the the technology, the big seven they
kind of led the charge. So they're they're definitely they're
the first seat in the roller coaster.
Speaker 2 (16:10):
Right, that's a good way to that's a good way.
Speaker 3 (16:12):
To better coin that one. I just that's the new one.
Speaker 4 (16:14):
We need to.
Speaker 2 (16:15):
Trademark that one. And uh so, what about some of
these upcoming votes on tax cut extensions and maybe some
new tax cuts and and that sort of thing. This
is that's another super hot topic for.
Speaker 3 (16:28):
Sure, exactly, And so the whole challenge there is a
President Trump put tax cuts in place when his first administration,
and they're due to sunset if we don't get them extended.
And he has some other tax initiatives that he's put
out there on the campaign TROLLI he wants to get
taken care of. And he's got control of Congress, but
not enough votes that if anybody defects from the Republican
(16:50):
Party that he doesn't get it done. Right, He's got
very thin margin, but they do have control. If we
don't get tax you know, set up and and continued
these tax reforms or tax cuts, I think you will
see a recession at that point. I think they'll get
it done. But that is a big uh you know,
it's a big monster in the room. Also beside the tariffs.
Speaker 2 (17:12):
Well, because every every person's taxes will go up exactly
that is not extended or maybe permanently voted into law.
I'm not sure exactly how that works.
Speaker 3 (17:21):
And a teriff actually is a tax the same thing.
You know, you sell a product, if you don't put
anything any tariffs on the product comes in to you
a dollar for a dollar, you put a teriff on
it one hundred percent. Now it's costing you two dollars
t dollars product. And that's a tax also, And inflation
is a tax really if you think about it, because
the products are higher, people can't afford it. Well, if
you take if you make it, pay more taxes, they're
really give me in trouble too. So there's a lot
(17:41):
of challenges going on right there.
Speaker 2 (17:43):
And I know the tax cuts are wrapped up in
the one big beautiful bill, right that that's kind of
the uh, that's kind of the huge yeah, yeah, yeah,
and it's beautiful evidently, so, but you know, no tax
on tips and some of those sort of things. I
know a lot of people who would dance in the
streets if that comes true.
Speaker 3 (18:01):
Well, I'll tell you my personal opinion about tax on
tips is you can't really do away with that because
service industry is so huge in our country, and service
industry to a great degree is very taxed. And you know,
I think not taxing overtime at an excessive level might
make some sense. But you can't just not tax tips.
It's too widespread.
Speaker 2 (18:22):
Yeah, and maybe you can reduce that, Maybe you could
make it to where they have more take home pay,
Maybe you could do something. Maybe there's a compromise in there.
I think that's why part of the back and forth
that is going to maybe ultimately get this thing passed.
Speaker 3 (18:35):
Right, Well, we'll see.
Speaker 2 (18:35):
How that works. So what about regulatory policy regarding energy?
That's another. All of these things are huge, and like
you said, that affects the market. All these things will
have an effect on the market, but our regulatory policy
regarding energy.
Speaker 3 (18:49):
So I get pretty passionate about this. So, mister producer,
if I go too crazy, you can just stand over
and throw some water on it. So if you think
about this, our refineries in our country are nuclear, are
coal burning plants. All these things are way out of date.
They're not efficient. You know, we're always screaming about why
and cleaning the energy. Well, part of that is being
efficient with your current infrastructure. The problem is and what
(19:12):
it leads to is it leads to higher energy costs,
which leads to what higher inflation. And this is you know,
revolving circle of problems. You've got to get energy down
and in control and more stable. And you know, it's
better today than it has been, but it's still not
as good as it was four or five years ago,
right because we shut off pipelines, that we did things
that slowed it down. So the problem is when you
(19:35):
want big companies and big investors to put money in
to build new refineries or coal burning efficient plants or nuclear,
what are we going to do? You've, first of all,
you got a ton of regulations you got to go
through and it could take years and decades to get
things done. The other thing is people aren't going to
put a bunch of money into building new plants if
they think the next election cycle, if the if the
current party loses that they're going to get shuttered again.
(19:57):
And so you've got to get this figured out absolutely.
Speaker 2 (20:00):
Mister Bruce Glenn, he's the senior wealth manager and president
of Rally Wealth and Benefits. If you are one of
these people, one of the listeners, and you're like, you're
just you're super concerned about your portfolio, the stock drops,
all that sort of thing, Okay in the evaluation, et cetera.
Reach out to Bruce. He's going to give you a
(20:21):
second opinion, maybe a new look on your portfolio in
Kansas City nine one three three zero eight zero two
seven seven, nationally toll free eight eight eight two four
one two three sixty one online at rallywb dot com.
And Bruce, thanks so much for being here today and
thanks for all the excellent information.
Speaker 3 (20:40):
Thanks to You've always pleasure.
Speaker 2 (20:41):
We'll have more coming up next.
Speaker 1 (20:43):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. Have a question, visit Seniorcare Live dot com.
Stick around. We'll have more with Steve coming up next.
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(22:09):
on the Senior Care Broadcasting Network. For podcasts of the program,
visit Seniorcare Live dot com or wherever you get your podcasts.
All right, So again, I just wanted to thank my
friend Bruce Glenn for being here today. There are probably
(22:30):
at least hundreds of thousands of people throughout our country
who are super freaked out about the market, and rightly so.
I mean everyone is nervous and one day the market
is down as like three or four percent, and then
the sky is falling and the next day, like Bruce said,
the market does not like uncertainty. And the next day
(22:51):
there's a rumor that, oh, we might get something worked
out with China or whatever, and then the market goes
crazy and it makes all that up and it is
a little bit higher. It is insane what is happening
right now. So the best thing you could do is
be affiliated or associated with a quality financial advisor and
(23:12):
money manager who can just assure you that everything's going
to be okay. Maybe revise your portfolio a little bit
like he said too, you know, with a little more
stability in mind. If you're thinking about selling and everything
has gone down, unless you absolutely had to, that's probably
a really bad idea because you're going to lock in
(23:33):
a bunch of losses and like Bruce said, it goes
it goes back up every time, and so you're going
to miss out on some of those gains. So if
you have questions, if you're like, you know what, Bruce
is a really smart guy, and maybe maybe I need
to reach out to Bruce and maybe I need to
(23:53):
have him take a look at what we're doing and
get a second opinion on that. They have financial modeling
software that is not available in too many places. I'll
tell you that's super high level stuff, and they will,
they'll give you a free complimentary review and second opinion,
I would take advantage of that with Bruce Glenn again
(24:13):
with Rally Wealth and Benefits in Kansas City nine to
one three three zero eight zero two seven seven. If
you're outside of that area, they have they have clients
all around the entire country eight eight eight two four
one two three six' one could also visit online and
request that through the website rallywb dot. Com spoiler, ALERT
(24:38):
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Option what are you going to?
Speaker 4 (25:52):
Do?
Speaker 3 (25:52):
All?
Speaker 2 (25:53):
Right AND i want to address that. Now that is
the most frequently asked question THAT i have had answered
in senior care consulting since two thousand and. Two so
for a darn long, Time, steve you, know we're not
sure that staying at home is going to make sense
for too much. Longer we've been able to do that
(26:14):
successfully for a very long. Time so when do you?
Move when should we think about moving from our home
to a senior care. Community we don't want to move too,
soon we don't want to wait too. Long is there
a sweet? Spot is just help us answer that?
Speaker 3 (26:31):
Question?
Speaker 2 (26:32):
So and you, KNOW i would say that sometimes the
answer is pretty, obvious, Right BUT i would also say
that way more often than, not it's a little bit.
Gray you're not quite. Sure SO i like to say
that the following things should at least trigger that conversation
of considering moving from your home to a senior care.
(26:56):
Community SO i think the top issue would be a
safety related concern when it is no longer safe to
live at, home and a lot of these are related
to an individual living at home with various levels of. Dementia,
okay so that's a that's a major. Issue and by the,
(27:18):
way it is unbelievably. COMMON a few examples of safety
concerns leaving the stovetop burners. ON i and this is
just so. Common and it's ALSO i guess, what it's
so simple to. Fix turn the gas, off or if it's,
electric flip the breaker or just unplug it if It's
(27:40):
if it's, plugged it now my my stove and of
it and it's, hardwired WHICH i kind of hate, that
So i'd have to flip my, breaker but but you
could disable it super. EASY i worked with a couple of.
Daughters this has been many years. Ago they lived up
North North Kansas city and their mom lived down the,
(28:00):
STREET i, mean you, know a block or two very,
close but not with them but she had her own.
House they had cameras, everywhere and so one day they
were watching mom just to make sure she was using
the stove. Properly she had dementia and she was pretty
far into that. Decline and that's why they called me
(28:20):
because it was time to look for senior care. Community
and they watched their. Mom she loved hormale. Chili, right
so her mom does does the can, opener and they looked.
Over they have cameras in the. Kitchen, right they looked
over and one of the stovetop burners it's literally glowing red.
(28:42):
Hot they watched their mom take the open can of,
chili walk over and dump it out onto the glowing
red hot stovetop. Burner no, pan she forgot. Pan she had. Dementia,
Okay god bless. Her she just made a. Mistake and
(29:05):
the daughters are, like oh my, gosh you, know and
they go flying over there and they turn it. Off that,
day they, flipped they flipped the breaker and disabled that
because you, know what if there was a pan there
and it all burnt up and then, eventually you, know
caused a, fire or what if she left it on
glowing red hot and like a towel or a piece
(29:28):
of paper or something got near, that and we have
a major, fire a legitimate fire. Concern there another safety related.
Issue someone wandering. Away they can't find their way back.
Home you could either walk. AWAY i Just i'm just
going to walk around the block LIKE i have done
for how many. Years then you walk around the, block and,
(29:50):
Again god bless, you you have. Dimension you're looking, Around you're, like,
oh this doesn't look very. Familiar ooh, shoot how DO
i get back? Home and then and they get, lost
and they end wandering, away you, know and they're found
a mile or two or five, away and or worse,
YET i, think is they drive they drive away and
(30:12):
they end up in you, know two states. Away and
that's why we see so many silver alerts these. Days
every TIME i see a silver, ALERT i just automatically
share it on my social media because that goes out
to four or five thousand, people and it's just you
never know who may see that person driving in that
(30:33):
particular car and report it to the police and hopefully
get them home. Safe most of these stories have a happy,
ending but, unfortunately there are quite a few that do
not have a happy. Ending so it's a big, deal
major safety. Concerned your loved one may wander away and
(30:53):
they may not be able to find their way back.
Home another one is just maybe lack of, ability, malnutrition.
Dehydration i've heard so many stories of. That one of my,
CLIENTS i met him over at his dad's home and
we were having a good conversation and he, Said, dad
Tell steve what you eat every. Day and on his
(31:16):
little side table over, here he picks up a package
Of oreos that was about half, gone and he, goes,
oh this is my favorite right, Here. Oreos And i'm, like,
well that's a nice. Snack and his son, said, no
that is what he eats every, day an entire pack Of.
Oreos And i'm, like, oh my. Gosh unsanitary living, conditions
(31:39):
just due to the inability to clean up the place
and clean up after yourself injured at. Home that's that's
the more the more obvious, issue you, know falling injuries at,
home frequent, falls frequent. Hospitalizations and one of my clients, said,
yeah mom has been hospitalized six, month well six times
(32:00):
in the LAST i think this is like six to eight. Months,
well we have some major issues. Here not taking your
medications on, time maybe not taking them at, all that
is less, obvious flies under the. Radar it's a huge
safety concern elder financial abuse and other types of financial.
Abuse so the number one reason to consider moving from
(32:21):
your home to a senior care community when it is
no longer safe to live at, Home and coming up,
NEXT i am going to share the other top four
reasons of when to consider moving from your home to
a senior care.
Speaker 1 (32:36):
Community you're listening To Senior Care live on The Senior
Care Broadcasting. Network to Contact steve or a guest on his,
show this Is Seniorcare live dot.
Speaker 3 (32:46):
Com we'll have more coming.
Speaker 2 (32:48):
Up so you've been living independently at, home but now
it's not working. Out it's time to begin searching for
a senior care. Community but with hundreds of independent, living assisted,
living long term, care and memory care, options how are
(33:11):
you supposed to determine the best place for?
Speaker 4 (33:13):
You?
Speaker 2 (33:14):
Hello I'm Steve, keeker and this is exactly WHY i
created my, Firm Senior Care. CONSULTING i help my own
grandparents through this difficult, process SO i know how overwhelming
this can. Be our business model ensures credibility and. Objectivity
we work directly for you and we never receive reimbursement
(33:34):
from any. Provider we've helped hundreds of family since two
thousand and, two and we can help you and your
family as. Well call today for a free consultation at
nine one three nine four five twenty eight hundred nine
one three nine four five twenty eight hundred a placement
service with integrity At seniorcareconsulting dot. Com welcome. Back you're
(34:05):
listening To Senior Care live on The Senior Care Broadcasting.
Network have a question Visit Senior Care live dot com
and our, producer the Phenomenal Darren. Willhite we were chatting
off Off mike on the break and it's just talking,
about you, know taking the car keys, away and that's
a that's a huge. Deal when you take the car
(34:26):
keys away from, someone it is pretty. Devastating and so you,
know my, grandpa you, know he was he wandered, away
but he drove, away right and they lived In, Topeka
kansas at the. Time he ended up driving over To.
LAWRENCE i ended up at midnight having to drive Around
lawrence to find my grandpa to getting back to my
(34:48):
parents' house In lawrence so he could spend the. Night
and then he could follow grandma home the next. Day,
so but it was a real dangerous situation and we
had a happy happily ever, AFTER i got a Happy
he was not harmed or, Injured he didn't hurt anyone,
Else he didn't crash into anyone or anything like. That
but the next, day my grandma in her mid, eighties
(35:11):
in her high heels and her, dress walks out to
the to the. Backyard there was kind of an alleyway
that's where he parked his. Car his truck back, there
disconnected the battery. Cable grandpa goes, out tries to start
the car and it won't. Work he comes, in he, says,
honey the truck won't. Start we need to get it.
(35:32):
Serviced and looked at it and she, goes, okay well
why DON'T i drive us? Today? Okay? Sure because she
knew if she took his keys, away it's gonna be
a big. Fight, Right, oh you're not taking my car keys.
Away she avoided all of. That this was just. Genius
the next, day And god love, him my grandpa had.
Dementia he forgot about all of that. Stuff so the
next day he goes out to his. Truck it won't,
(35:55):
start and he, discovered, oh my truck is. Broken it
needs to be looked. At, honey the truck won't. Start
we need to get it, serviced you, know and she, Goes, okay,
well why DON'T i drive us? Today show.
Speaker 3 (36:07):
Sure.
Speaker 2 (36:07):
Sure this went on for two or three, weeks and
eventually he kind of forgot about his. Truck he got
used to following grandma out to her, car which you
parked out in the front of their, house and he
kind of forgot about the truck and she sold. It
and that's that's how she dealt with, that very very very.
(36:28):
Creative so it's a this is a big, deal but
at that, point you, know that's a, major, major major
safety issue for. Sure so number, two when to consider
moving from your home to a senior care, community AND
i would call this a very close to or maybe
even a ONE. A when the caregivers health and well
(36:51):
being are in, decline you cannot have that go on very.
Long so the most common example of that is the
eighty year old spouse caring for the eighty year old.
Spouse and if you're anything like my grandma, was she
was very protective of her. Role, Well i'm his, wife
(37:12):
AND i take care of, him and she did a fantastic, job,
right but if she wasn't very good at letting other
people help her do that because that was her responsibility
and she just she wanted to do. That but, look
we're talking about your mental, health your emotional, health spiritual,
health and of course your your physical. Health so what
(37:33):
do we do as caregivers that are giving it our,
all our the heroic? Caregivers we place our own needs
on the back. Burner we skip our doctor's, appointments our dental,
appointments we skip social events like the book club and
donuts with the guys in the coffee, shop and we
(37:56):
stopped going to, church and we we we stop everything
because we're so. Focused we love this person so. Much
we put them. First we put us second and all
of our stuff. Second and guess, what at some, point
that's a lot of. Stress and you could develop health
issues that we didn't catch because you skipped your annual.
(38:17):
Checkup you, know.
Speaker 3 (38:18):
All of this.
Speaker 2 (38:18):
Stuff and let me just say that. Stress and you
cannot let that go on very. Long if you see
that the caregiver is starting to. Decline guess, What now
you have two people, declining and that just cannot go
on very much longer you. Have there has to be an.
Intervention you have to step. In and let me say,
(38:41):
This i'm not going to get into the gory. Details
stress is a powerful. Force AND i have seen the
caregiver that puts puts their their loved one, first and
they put all, everything all of their. Stuff, Second i've
seen them pass away well before the person they're caring
(39:03):
for passes. Away and, now guess, what you just defeated the.
Purpose you're not there to watch over that person and
to make sure that they're cared for and they're loved
and they get everything that they that they need to.
Get so don't do. That it's a very very preventable.
Situation all. Right that's as much As i'm going to
(39:25):
preach on that one, today all. Right number, Three when
to consider moving from home to senior care community when
the cost of in home care becomes too. Expensive, now
if you know, me you KNOW i am a, huge
huge fan of home. CARE i think home care is
a fantastic. Resource just even a little bit of help
(39:49):
could could help you remain independent in your home for
years to. Come, however like everything, else is getting kind of,
expensive and if your need for home care support increases
to the level of twenty four hours a. Day at
that point it may become cost. Prohibitive twenty four hour
(40:09):
home care PRE covid used to run about fifteen to
twenty thousand dollars a, month which is one heck of
a lot of. Money today it's going to run somewhere
between twenty five thousand to thirty thousand dollars a. Month
now most folks can be at home and they don't
need twenty four hour. Care they need some help on
(40:30):
throughout the, weekdays every other, day whatever the situation. Is
and again it's a very cost effective way to stay.
Home but at some point that just may not make sense.
Financially and, then last but not, least if you just
can't provide enough. CARE i like to ask the, question
why not consider changing your role from being that hands
(40:52):
on caregiver to the care, Manager meaning let's go out,
Together let's find a great place with professionals who can
provide twenty four hour care for your loved. One it'says to,
living long term, care memory, care et. Cetera and let's
let them deal with the stress and the struggles of
being a. Caregiver and then guess. What you can go
(41:14):
back to your original role as the loving, wife loving,
husband loving son or daughter or grandson or. Granddaughter, okay
and you don't have to worry about oh, gosh today's
showers is shower day and that's always, difficult and the
meal time mess and all and the incontinent, support all the.
(41:36):
Stuff you don't have to worry about that because professional
caregivers are taking care of, that and you can be
their loved one in your original role and just make
sure that you're watching out for, them make sure they're
getting everything that they need to, get and just be
their care manager and their care advocate if that makes
sense to. You if you are ready to consider moving
(41:58):
from your home to a senior care, COMMUNITY i would
invite you to reach out to my, Firm Senior Care
consulting for a free. Consultation it's at nine one three
nine four five twenty eight hundred nine one three nine
four five twenty eight hundred go online At Senior Care
consulting dot com and check out our. Services we can
(42:21):
definitely help you do that and ask for a free.
Consultation we'd love to visit with you about, that all.
Right I'm Steve, keeker AND i wish you grays in.
Peace May god bless you and your family on this
day and always join me next week right here On
Senior Care.
Speaker 5 (42:37):
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Speaker 2 (42:50):
Area there are.
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Speaker 2 (43:47):
Quid pro quo A latin phrase that means an exchange
of goods or services where one transfer is contingent upon the.
Other here's an. Example i'll recommend your senior care community
if you'll pay me a huge kickback from my. Referral
the free referral services have a vested interest in you
choosing one of their business. Partners that's how they make their.
(44:09):
Money does this paid recommendation sound objective or? Credible of course.
Not I'm Steve keeker With Senior Care. Consulting i'm so
proud to say we have never received a single penny
from any provider. Ever we offer a placement service with
integrity for help finding the right senior care, community without
(44:30):
conflict of, interest and without the quid pro quo called
nine one three nine four five twenty eight hundred nine
three nine four five twenty eight Hundred replacement service with
integrity At Seniorcare consulting dot.
Speaker 6 (44:45):
Com, hi this Is Carrie hole with an important message
About medicare benefits you may be eligiblefore but don't know.
About they're Called Medicare Special needs. Programs if you're A
medicare recipient or a, caregiver here's what you need to.
Know there are three programs you make qualify. For the
first Is MEDICARE C snip for people with chronic conditions like,
asthma heart, disease, diabetes and. More the second Is MEDICARE D.
(45:08):
Snip if you are currently on A medicaid, plan you
may qualify for this dual eligible plan while keeping your
Full medicaid. Benefits the third plan Is MEDICARE I.
Speaker 4 (45:18):
Snip if you're in an institution like a nursing home
or at, home but require an equivalent level of, care
you may qualify for this plan AND rps. Benefits by,
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Lee steele Call today eight seven seven three eight five
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five twenty two twenty. Four once again eight seven seven
three eight five twenty two twenty four
Are you caring for an aging loved one? Are you
a senior searching for answers? Welcome to Senior Care Live,
a program dedicated to you, providing information, education, and resources
for seniors and their caregivers. And now America's Senior care Consultant,
Steve Keecker, Hello and welcome to Senior Care Live.
Speaker 2 (00:25):
I'm Steve Keeker. You're Senior Care Consultant, and I really
appreciate you tuning in today. We have a wonderful program
on tap with my friend and special guest in studio,
mister Bruce Glenn. He's the senior Wealth Manager and president
of Rally Wealth and Benefits and Bruce, welcome back to
Senior Care Live.
Speaker 3 (00:45):
Thanks Steve, It's good to be yours always.
Speaker 2 (00:47):
Hi, it's good to see it. And you've got the
right Gulf shirt on today. The Kansas City Royals, how
about that? Well, we have we have hope. Yeah, we
need to start swinging the bats a little bit better
and then I think we'll be okay.
Speaker 3 (00:58):
So I think the Royals are vindicative of the markets
right now.
Speaker 2 (01:02):
A little up and down. That's a good set, more
down than up at the well okay, well yeah yeah,
so but there's always it is early. Yeah, yeah, yeah,
it is early. So if you have questions for Bruce
and the the excellent team at Rally wealthon benefits in
Kansas City, it's nine to one three three zero eight
(01:23):
zero two seven seven or otherwise nationwide toll free eight
eight eight two four one two three six one could
always go online excellent website rally wb dot com. And
so Bruce, you kind of you kind of set us
up today. Uh, it has been a wild ride, to
say the least, in the markets here lately. So maybe
(01:45):
you maybe you heard that a time or two possibly.
Speaker 3 (01:48):
Yeah, Actually, you know, it's a great rollercoaster ride. There's
there's actually been some record you know, trade days going
on there last couple of weeks. Yeah, yeah, it's been
pretty crazy.
Speaker 2 (01:58):
So let's talk about the hottest topic in the in
the land right now. What is causing all of this
market volatility.
Speaker 3 (02:08):
So, contrary to popular belief, it's not exclusive to tariffs,
but tariffs are the big item.
Speaker 2 (02:14):
There's a big driver, right, it's a.
Speaker 3 (02:15):
Big laundry list. So you have, okay, the tariff conversations
of the Magnificent seven stocks. We'll get into that a
little bit. Tax policies, and what Congress is going to
do with taxation, regulatory and some energy policy items there
as well, what the Federal Reserve is doing or not doing.
And then you've got global central banks making some adjustments
(02:36):
their monster policies. Inflation is always the backdrop of everything,
and a government spending, of course, is part of this
overall picture. A mosaic of challenges we're fighting with. But
it's a little touch of Cuba and you know, a
little bit of touch of immigrant policy that kind of
filters into this to some of your another. But tariffs
is certainly the big animal.
Speaker 2 (02:56):
Yep, So tariff tariffs would be the main driver. But
so that's really good to know though, because so it's
not just that. I mean, that's a big part of it,
but we have a lot of other things that are
impacting this. So uh so tariffs, so let's let's talk
about that, and uh you know what what about.
Speaker 3 (03:12):
Tariffs, Well, a lot of the bigger concern about tariffs
is where we're out with China. And I like to
remind folks that you know, there we've we've been in
a tariff war with China for a long time, and
believe it or not, they started it. Yeah, with their
their theft of you know, our intellectual properties there, their
manipulation of monetary policies. Uh, you know, they're even flooding
(03:33):
our our borders with you know, illicit drugs that we're
trying to get them to stop. But you know, they
could stop COVID in their country, but they couldn't stop this.
Speaker 2 (03:42):
Yeah.
Speaker 3 (03:42):
Yeah, it's not interesting. But you know, a lot of
the problem with the tariffs is, you know, as a country,
us A, we've got you know, high debt and I
don't want to touch on that a little bit deeper
in a minute, but and then you know, the trades
need to be levelized. So a lot of the countries
over the last several decades have started adding on on
challenges for US to get our products into their countries,
(04:04):
whether it be putting tariffs against our products or just
not letting him there at all. And so President Trump,
he did this in his first administration. President Biden maintained
the tariffs that the President Trump put in place back
in sixteen, seventeen, twenty eighteen, and so on and so forth. Yep,
But at some point you've got to try and levelize
the playing field and it's just gotten out of control
(04:24):
and worse and worse and worse. And so President Trump
wants to get this stop so we can get it
more openness for our companies and our employees to be
better protected and not just be you know, in a
no win situation around the world in a lot of countries,
that's the way it is. Yep.
Speaker 2 (04:42):
And you know, I've and it's amazing. You kind of
expect that from China, but you don't expect that from
some of our allies, some of our friends. And then
just to hear all of these numbers, these you know,
billions and sometimes hundreds of billions of dollars of a
trade deficit, it is not fair that is destroying jobs
and plants in the United States and all of those things.
(05:04):
So so I frankly, I know there's a little bit
of pain up front that we're seeing right now, but
I'm glad that our president is standing up and trying
to level that playing field because I think in the
long term, in the long run and the bigger picture,
we're going to be so much better off. So what
about the US dollar decline and what effect does that have?
Speaker 3 (05:25):
So that is kind of one of the symptoms that
kind of causes the medicine of the tariffs needing to
be brought to play. So we've got so much debt
right now, we're only at the second highest level of
debt as a country of all time. We're at one
hundred and twenty two percent debt and only second to
World War Two. Well, KOD grade four toward two is understandable.
(05:46):
We're fighting in global yeah, you know, terrible situation all
around the whole world. And this has been brought on
by you know, uh or the dollar decline's been drawn
on by bad debt. You know, we had good debt
to get through COVID, we could, but then there's a
lot of bad debt that was, you know, pile on
to it. We're still feeling some of the effects of
bad debt we did back during eight oh nine, back
(06:07):
in those days as well. But this high debt, what
it really does for us is it hurts our credit quality.
And when our US dollar credit quality is not as
strong as it should be, we're having a significant problem
selling our bonds or treasuries around the world as easily
as we used.
Speaker 2 (06:27):
To because our credit isn't maybe as good as it
once was.
Speaker 3 (06:30):
Exactly. Our debt's high, or so our credit's not as
good a lot of countries aren't, or a big investment
institutions aren't as apt by our treasuries. And so part
of that is the fact, you know, if you get
these terriffs in place, that helps generate some income for us. Also,
it's all interconnected. I mean, it's a big mass. Economics
are always a big mass. It's not as simple as
(06:50):
the news headlines want to make you believe. Yeah, yeah,
but the credit quality it is huge such concern. So
it's just like a mortgage on your home. If you're
paying a higher interest rate, you can't buy as much
of a home, or your payments are higher and you
can't spend as much money anyplace else. And if we
get the tariffs in place, the way that they're hoping
(07:10):
to get it done is if you lower the teriff
for what the US products are, and if you can
lower the other countries around the world the same way,
and everybody get kind of down to a normal not
too much of a tariff, more of equal playing playground
for everybody, you actually generate global economic stimulus because nobody
is paying too much, whereas right now we're paying a lot,
(07:32):
you know, and so on and so forth. So just
it makes a big difference all the way around the block.
Speaker 2 (07:37):
And so the credit quality really is important. And it
may not seem that like, like that big of a
deal at the surface level, but it really does have
an impact once you go under you know, maybe that
surface level or surface layer if you will, right.
Speaker 3 (07:53):
And so what's going on is we're having offer more
yield or more interest on our bonds for people to
buy them. And you know, that just kicks the debt
problem down the road that much further because when you
have this much extra debt out there, the service on
that debt just helps continue to the you know, the
financial problems in the United States. So you've got to
have good quality bond, high dollar value bill sell our bonds,
(08:16):
so lower interest rates and things like that. So it's
it's pretty important to get this soft squared away and
get it done. And I would like to invite our
listeners to not get to news shocked, headline shocked, because
the news job is to scare you. Yep. It's all
puppy dogs, rainbows and sunshine. Nobody's gonna listen to their news, yep.
Speaker 2 (08:33):
Yep, I wish they would do that, sprinkle some of
that in though. But yeah, So if you are one
of our listeners and if you have been listening to
too much of the news and you're like, oh my gosh,
we need to sell before before this market goes any lower, Bruce,
(08:54):
what would you say to that person, Because there are
people out there taking huge losses because they they think
you're going to lose it all.
Speaker 3 (09:01):
Well, and it goes. If you went back and stay
the markets the last hundred years, just missing out on
one or two of the best days of the market year,
your your overall performance in the markets is dramatically you know,
down and maybe even negative, So you can't afford to
not be in the markets. Yeah, it's always volatile. It's
a different news headline that is causing different seasons in
(09:23):
different situations, and right now it's mainly the tariffs. But
you really, you know, and plus the fact that if
you had a Christal ball and knew that this is
going to be a problem, you could have gotten out
of the market. Sure, but once it starts going down,
you really can't get out of it because first of all,
you don't know as soon as you get out of it. Now,
it's going to turn around on your problem.
Speaker 2 (09:38):
Yeah, and then you're gonna wish you wouldn't have done that.
Speaker 3 (09:41):
Yeah, exactly. And we insulate our folks and we actually
kind of just rebalancing and protected to a certain degree
on this situation. But you know, having a lot of
higher yield in your bonds and you in your stock
investments and not be as frothy on these overvalued growth stocks,
there's a big help right now. But you know, if
you're already in that situation, it's hard to you know,
to change them in midstream. But you do want to
(10:02):
evaluate the quality of what you own. Is if the
quality is not there, you may not rebound like you
should be. I always it's kind of like, uh, if
you're on the road with snow when you get stuck
in the ditch. You know the pickup they got you
stuck may not be what you need. Many a total
feach out.
Speaker 2 (10:15):
That's right, that's right. If you have questions, reach out
to Bruce Glenn, Senior wealth Manager and President of Rally
Wealth and Benefits in Kansas City. Nine to one three
three zero eight zero two seven seven toll free eight
eight eight two four one two three, six to one
online at rallywb dot com. Now the Senior Care Live
(10:35):
question of the Week, The financial market doesn't always come back.
Is this state true or false? What do you think?
Speaker 1 (10:43):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. For more information, visit Seniorcare Live dot com.
Speaker 2 (10:51):
We'll have more with Steve coming up next.
Speaker 1 (11:02):
A recent Internet search for nursing homes in Kansas City
provided thirty two million results. It's daunting to think that
there are over three hundred and fifty senior care communities
to choose from in the Kansas City metro and on
average you'll spend fifty to one hundred hours trying to
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(11:24):
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thousand and two. With our premium service, we do most
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Speaker 3 (11:32):
You'll spend just a.
Speaker 1 (11:33):
Few hours of your time finding the best place available,
and you can trust us to be objective because we
don't receive reimbursement from any provider. We work for you.
To learn more, call Senior Care Consulting at nine three
nine four five twenty eight hundred nine nine four five
twenty eight hundred, a placement service with integrity at Seniorcare
(11:57):
Consulting dot com.
Speaker 2 (12:06):
Welcome back. You're listening to Senior Care Live on the
Senior Care Broadcasting Network. For more information, go to Senior
Care Live dot com. All right, back to the Senior
Care Live question of the week. The financial market doesn't
always come back? Is that statement true or false? And
the answer is false? The answer is false in Bruce,
(12:33):
why is that statement false?
Speaker 3 (12:35):
Well, although it's not a guarantee, but last one hundred
years of history in the markets, the market has come
back one hundred percent of the time and made new
highs ad for these drops.
Speaker 2 (12:44):
That's a pretty good that's yeah, one thousands on that one. Now,
like you said, there's no guarantee, but if you look
at history, it comes back every time.
Speaker 3 (12:53):
Right, It just abounds on how what your time horizon is.
If you need to take money out when the market's down,
then it's a bad situation and you want to try
and avoid taking money out during drop and make sure
you've got some money's kind of set aside in some
stable areas. If you have some short term items you
need to be spending big chunks of money on things
like that. But yeah, the market is undefeated and very important.
(13:13):
And on this current market, we've talked about tariffs quite
a bit, my belief, and we covered this on a
webcast last week and to put out really good white
paper on this as well. But when you get a
few of the major key trading countries in, you know,
to get a deal done, get in line with the deal, India,
South Korea, Japan, Yep, Canada, you know a few of
(13:35):
these countries like that, they're all lighted up and discussing
right now exactly exactly. And as soon as you get
the key ones done, the rest of the dominoes are
going to fall. Yeah. And when the market has some
clarity that that there's a deal working and it's gonna
get done, you can see the market rebound in a hurry.
I mean right now, just just the rumor of somebody
saying that, oh, we're gonna slow down, you know, the
tariffs with China, or we're going to you know, pause
(13:58):
for ninety days or whatever the case might be. It's
just it's just words. It's not done yet. Yeah, yeah, yeah,
but it makes the market explode. And that's why you
can't be out of the market even though it's down
and it heards sin it's painful. Right now, you've got
to stay the course.
Speaker 2 (14:11):
And you've mentioned several times before that the market does
not like uncertainty. So that's why it's oh, we heard,
we heard a little bit of a good news, it
bounces up. I heard a little bit of a you know,
maybe questionable news that goes down. So so I agree,
you get you get some of the key trading partners
in line, and then and we have some stability. Now
(14:31):
it seems more certain, and then the thing's going to
go up. So you've mentioned previously the Magnificent Seven, and
I don't in the context of our conversations, I don't
think you're talking about the movie.
Speaker 3 (14:42):
No, but a great movie.
Speaker 2 (14:45):
Yeah, yeah, exactly, So maybe maybe let our listeners know
again a little refresher, what is the man Magnificent seven?
And then how are they doing?
Speaker 3 (14:54):
Right? So, these are the seven biggest stocks of the
United States companies of the SB five hundred, So you're
talking about the likes of Nvidia, Amazon, Tesla, Apple, Microsoft,
these type companies, And we noticed about a year ago,
and we took steps to correct this in our portfolios.
But we noticed about a year ago how there's begin
to be this real follow of the leader, where you know,
(15:16):
some of these companies and makings to seven companies were
making new highs and now you know, market's piling on,
piling on, piling on, and they became so overweighted. Those
top seven stocks account for around thirty percent of the
five hundred biggest companies in the United States. Oh wow,
so seven of them have thirty percent, four hundred and
ninety three of them only have seventy percent.
Speaker 2 (15:35):
Oh wow.
Speaker 3 (15:35):
Yeah, And we've seen this story before and it never
ends very good, right, yeah, because the evaluations just have
gotten so hot, so frothy that that's part of what
we're seeing in this market pullback because they were a
little bit over their skis, and so when there's some
market sphere, they come back further, and there's such a
big weight on the market that they pull down a
lot of airbails with them, and when they remaild, they
(15:57):
pull their bill back like you know Tuesday this week,
for example. Yep, you know this big hot day in
the market. Well, the the technology, the big seven they
kind of led the charge. So they're they're definitely they're
the first seat in the roller coaster.
Speaker 2 (16:10):
Right, that's a good way to that's a good way.
Speaker 3 (16:12):
To better coin that one. I just that's the new one.
Speaker 4 (16:14):
We need to.
Speaker 2 (16:15):
Trademark that one. And uh so, what about some of
these upcoming votes on tax cut extensions and maybe some
new tax cuts and and that sort of thing. This
is that's another super hot topic for.
Speaker 3 (16:28):
Sure, exactly, And so the whole challenge there is a
President Trump put tax cuts in place when his first administration,
and they're due to sunset if we don't get them extended.
And he has some other tax initiatives that he's put
out there on the campaign TROLLI he wants to get
taken care of. And he's got control of Congress, but
not enough votes that if anybody defects from the Republican
(16:50):
Party that he doesn't get it done. Right, He's got
very thin margin, but they do have control. If we
don't get tax you know, set up and and continued
these tax reforms or tax cuts, I think you will
see a recession at that point. I think they'll get
it done. But that is a big uh you know,
it's a big monster in the room. Also beside the tariffs.
Speaker 2 (17:12):
Well, because every every person's taxes will go up exactly
that is not extended or maybe permanently voted into law.
I'm not sure exactly how that works.
Speaker 3 (17:21):
And a teriff actually is a tax the same thing.
You know, you sell a product, if you don't put
anything any tariffs on the product comes in to you
a dollar for a dollar, you put a teriff on
it one hundred percent. Now it's costing you two dollars
t dollars product. And that's a tax also, And inflation
is a tax really if you think about it, because
the products are higher, people can't afford it. Well, if
you take if you make it, pay more taxes, they're
really give me in trouble too. So there's a lot
(17:41):
of challenges going on right there.
Speaker 2 (17:43):
And I know the tax cuts are wrapped up in
the one big beautiful bill, right that that's kind of
the uh, that's kind of the huge yeah, yeah, yeah,
and it's beautiful evidently, so, but you know, no tax
on tips and some of those sort of things. I
know a lot of people who would dance in the
streets if that comes true.
Speaker 3 (18:01):
Well, I'll tell you my personal opinion about tax on
tips is you can't really do away with that because
service industry is so huge in our country, and service
industry to a great degree is very taxed. And you know,
I think not taxing overtime at an excessive level might
make some sense. But you can't just not tax tips.
It's too widespread.
Speaker 2 (18:22):
Yeah, and maybe you can reduce that, Maybe you could
make it to where they have more take home pay,
Maybe you could do something. Maybe there's a compromise in there.
I think that's why part of the back and forth
that is going to maybe ultimately get this thing passed.
Speaker 3 (18:35):
Right, Well, we'll see.
Speaker 2 (18:35):
How that works. So what about regulatory policy regarding energy?
That's another. All of these things are huge, and like
you said, that affects the market. All these things will
have an effect on the market, but our regulatory policy
regarding energy.
Speaker 3 (18:49):
So I get pretty passionate about this. So, mister producer,
if I go too crazy, you can just stand over
and throw some water on it. So if you think
about this, our refineries in our country are nuclear, are
coal burning plants. All these things are way out of date.
They're not efficient. You know, we're always screaming about why
and cleaning the energy. Well, part of that is being
efficient with your current infrastructure. The problem is and what
(19:12):
it leads to is it leads to higher energy costs,
which leads to what higher inflation. And this is you know,
revolving circle of problems. You've got to get energy down
and in control and more stable. And you know, it's
better today than it has been, but it's still not
as good as it was four or five years ago,
right because we shut off pipelines, that we did things
that slowed it down. So the problem is when you
(19:35):
want big companies and big investors to put money in
to build new refineries or coal burning efficient plants or nuclear,
what are we going to do? You've, first of all,
you got a ton of regulations you got to go
through and it could take years and decades to get
things done. The other thing is people aren't going to
put a bunch of money into building new plants if
they think the next election cycle, if the if the
current party loses that they're going to get shuttered again.
(19:57):
And so you've got to get this figured out absolutely.
Speaker 2 (20:00):
Mister Bruce Glenn, he's the senior wealth manager and president
of Rally Wealth and Benefits. If you are one of
these people, one of the listeners, and you're like, you're
just you're super concerned about your portfolio, the stock drops,
all that sort of thing, Okay in the evaluation, et cetera.
Reach out to Bruce. He's going to give you a
(20:21):
second opinion, maybe a new look on your portfolio in
Kansas City nine one three three zero eight zero two
seven seven, nationally toll free eight eight eight two four
one two three sixty one online at rallywb dot com.
And Bruce, thanks so much for being here today and
thanks for all the excellent information.
Speaker 3 (20:40):
Thanks to You've always pleasure.
Speaker 2 (20:41):
We'll have more coming up next.
Speaker 1 (20:43):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. Have a question, visit Seniorcare Live dot com.
Stick around. We'll have more with Steve coming up next.
Speaker 2 (21:01):
Hello, this is Steve Keeker, President of Senior Care Consulting.
I'm so excited to announce that we are expanding nationwide
by awarding Senior Care Consulting franchises. We help our clients
find the right senior care community, including assistant living, memory care,
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(21:22):
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owning a senior care consulting franchise, call eight three three
seven two two three seven two six eight three three
seven two two three seven two six or visit Seniorcareconsulting
dot com. Welcome back. You're listening to Senior Care Live
(22:09):
on the Senior Care Broadcasting Network. For podcasts of the program,
visit Seniorcare Live dot com or wherever you get your podcasts.
All right, So again, I just wanted to thank my
friend Bruce Glenn for being here today. There are probably
(22:30):
at least hundreds of thousands of people throughout our country
who are super freaked out about the market, and rightly so.
I mean everyone is nervous and one day the market
is down as like three or four percent, and then
the sky is falling and the next day, like Bruce said,
the market does not like uncertainty. And the next day
(22:51):
there's a rumor that, oh, we might get something worked
out with China or whatever, and then the market goes
crazy and it makes all that up and it is
a little bit higher. It is insane what is happening
right now. So the best thing you could do is
be affiliated or associated with a quality financial advisor and
(23:12):
money manager who can just assure you that everything's going
to be okay. Maybe revise your portfolio a little bit
like he said too, you know, with a little more
stability in mind. If you're thinking about selling and everything
has gone down, unless you absolutely had to, that's probably
a really bad idea because you're going to lock in
(23:33):
a bunch of losses and like Bruce said, it goes
it goes back up every time, and so you're going
to miss out on some of those gains. So if
you have questions, if you're like, you know what, Bruce
is a really smart guy, and maybe maybe I need
to reach out to Bruce and maybe I need to
(23:53):
have him take a look at what we're doing and
get a second opinion on that. They have financial modeling
software that is not available in too many places. I'll
tell you that's super high level stuff, and they will,
they'll give you a free complimentary review and second opinion,
I would take advantage of that with Bruce Glenn again
(24:13):
with Rally Wealth and Benefits in Kansas City nine to
one three three zero eight zero two seven seven. If
you're outside of that area, they have they have clients
all around the entire country eight eight eight two four
one two three six' one could also visit online and
request that through the website rallywb dot. Com spoiler, ALERT
(24:38):
i guess we'll just say it's spoiler. Alert so next
Week i'll be discussing home care and how to and
maybe more, specifically how to find a quality home care.
Provider so you don't want to miss next, week be
sure to tune in or check out the podcast if
you can't listen. Live so it's It's i'm going to
(24:58):
be giving, away free of, charge my home care provider screening.
Tool this will help you ask the same set of really,
applicable super important questions to maybe your top two or
three home care, providers and then that'll help you choose
the one that you're most comfortable with and the one
(25:18):
that you feel is the best. Fit so with your
circle of family and friend, caregivers along with the addition
of home care, services many people can successfully remain independent at.
Home and that's what we all want to, do. Right
if we can stay, home and we can do that, successfully, safely,
(25:38):
affordably you can remain independent at home for who knows how?
LONG i mean maybe years and years to. Come but
what happens if staying at home is no longer an?
Option what are you going to?
Speaker 4 (25:52):
Do?
Speaker 3 (25:52):
All?
Speaker 2 (25:53):
Right AND i want to address that. Now that is
the most frequently asked question THAT i have had answered
in senior care consulting since two thousand and. Two so
for a darn long, Time, steve you, know we're not
sure that staying at home is going to make sense
for too much. Longer we've been able to do that
(26:14):
successfully for a very long. Time so when do you?
Move when should we think about moving from our home
to a senior care. Community we don't want to move too,
soon we don't want to wait too. Long is there
a sweet? Spot is just help us answer that?
Speaker 3 (26:31):
Question?
Speaker 2 (26:32):
So and you, KNOW i would say that sometimes the
answer is pretty, obvious, Right BUT i would also say
that way more often than, not it's a little bit.
Gray you're not quite. Sure SO i like to say
that the following things should at least trigger that conversation
of considering moving from your home to a senior care.
(26:56):
Community SO i think the top issue would be a
safety related concern when it is no longer safe to
live at, home and a lot of these are related
to an individual living at home with various levels of. Dementia,
okay so that's a that's a major. Issue and by the,
(27:18):
way it is unbelievably. COMMON a few examples of safety
concerns leaving the stovetop burners. ON i and this is
just so. Common and it's ALSO i guess, what it's
so simple to. Fix turn the gas, off or if it's,
electric flip the breaker or just unplug it if It's
(27:40):
if it's, plugged it now my my stove and of
it and it's, hardwired WHICH i kind of hate, that
So i'd have to flip my, breaker but but you
could disable it super. EASY i worked with a couple of.
Daughters this has been many years. Ago they lived up
North North Kansas city and their mom lived down the,
(28:00):
STREET i, mean you, know a block or two very,
close but not with them but she had her own.
House they had cameras, everywhere and so one day they
were watching mom just to make sure she was using
the stove. Properly she had dementia and she was pretty
far into that. Decline and that's why they called me
(28:20):
because it was time to look for senior care. Community
and they watched their. Mom she loved hormale. Chili, right
so her mom does does the can, opener and they looked.
Over they have cameras in the. Kitchen, right they looked
over and one of the stovetop burners it's literally glowing red.
(28:42):
Hot they watched their mom take the open can of,
chili walk over and dump it out onto the glowing
red hot stovetop. Burner no, pan she forgot. Pan she had. Dementia,
Okay god bless. Her she just made a. Mistake and
(29:05):
the daughters are, like oh my, gosh you, know and
they go flying over there and they turn it. Off that,
day they, flipped they flipped the breaker and disabled that
because you, know what if there was a pan there
and it all burnt up and then, eventually you, know
caused a, fire or what if she left it on
glowing red hot and like a towel or a piece
(29:28):
of paper or something got near, that and we have
a major, fire a legitimate fire. Concern there another safety related.
Issue someone wandering. Away they can't find their way back.
Home you could either walk. AWAY i Just i'm just
going to walk around the block LIKE i have done
for how many. Years then you walk around the, block and,
(29:50):
Again god bless, you you have. Dimension you're looking, Around you're, like,
oh this doesn't look very. Familiar ooh, shoot how DO
i get back? Home and then and they get, lost
and they end wandering, away you, know and they're found
a mile or two or five, away and or worse,
YET i, think is they drive they drive away and
(30:12):
they end up in you, know two states. Away and
that's why we see so many silver alerts these. Days
every TIME i see a silver, ALERT i just automatically
share it on my social media because that goes out
to four or five thousand, people and it's just you
never know who may see that person driving in that
(30:33):
particular car and report it to the police and hopefully
get them home. Safe most of these stories have a happy,
ending but, unfortunately there are quite a few that do
not have a happy. Ending so it's a big, deal
major safety. Concerned your loved one may wander away and
(30:53):
they may not be able to find their way back.
Home another one is just maybe lack of, ability, malnutrition.
Dehydration i've heard so many stories of. That one of my,
CLIENTS i met him over at his dad's home and
we were having a good conversation and he, Said, dad
Tell steve what you eat every. Day and on his
(31:16):
little side table over, here he picks up a package
Of oreos that was about half, gone and he, goes,
oh this is my favorite right, Here. Oreos And i'm, like,
well that's a nice. Snack and his son, said, no
that is what he eats every, day an entire pack Of.
Oreos And i'm, like, oh my. Gosh unsanitary living, conditions
(31:39):
just due to the inability to clean up the place
and clean up after yourself injured at. Home that's that's
the more the more obvious, issue you, know falling injuries at,
home frequent, falls frequent. Hospitalizations and one of my clients, said,
yeah mom has been hospitalized six, month well six times
(32:00):
in the LAST i think this is like six to eight. Months,
well we have some major issues. Here not taking your
medications on, time maybe not taking them at, all that
is less, obvious flies under the. Radar it's a huge
safety concern elder financial abuse and other types of financial.
Abuse so the number one reason to consider moving from
(32:21):
your home to a senior care community when it is
no longer safe to live at, Home and coming up,
NEXT i am going to share the other top four
reasons of when to consider moving from your home to
a senior care.
Speaker 1 (32:36):
Community you're listening To Senior Care live on The Senior
Care Broadcasting. Network to Contact steve or a guest on his,
show this Is Seniorcare live dot.
Speaker 3 (32:46):
Com we'll have more coming.
Speaker 2 (32:48):
Up so you've been living independently at, home but now
it's not working. Out it's time to begin searching for
a senior care. Community but with hundreds of independent, living assisted,
living long term, care and memory care, options how are
(33:11):
you supposed to determine the best place for?
Speaker 4 (33:13):
You?
Speaker 2 (33:14):
Hello I'm Steve, keeker and this is exactly WHY i
created my, Firm Senior Care. CONSULTING i help my own
grandparents through this difficult, process SO i know how overwhelming
this can. Be our business model ensures credibility and. Objectivity
we work directly for you and we never receive reimbursement
(33:34):
from any. Provider we've helped hundreds of family since two
thousand and, two and we can help you and your
family as. Well call today for a free consultation at
nine one three nine four five twenty eight hundred nine
one three nine four five twenty eight hundred a placement
service with integrity At seniorcareconsulting dot. Com welcome. Back you're
(34:05):
listening To Senior Care live on The Senior Care Broadcasting.
Network have a question Visit Senior Care live dot com
and our, producer the Phenomenal Darren. Willhite we were chatting
off Off mike on the break and it's just talking,
about you, know taking the car keys, away and that's
a that's a huge. Deal when you take the car
(34:26):
keys away from, someone it is pretty. Devastating and so you,
know my, grandpa you, know he was he wandered, away
but he drove, away right and they lived In, Topeka
kansas at the. Time he ended up driving over To.
LAWRENCE i ended up at midnight having to drive Around
lawrence to find my grandpa to getting back to my
(34:48):
parents' house In lawrence so he could spend the. Night
and then he could follow grandma home the next. Day,
so but it was a real dangerous situation and we
had a happy happily ever, AFTER i got a Happy
he was not harmed or, Injured he didn't hurt anyone,
Else he didn't crash into anyone or anything like. That
but the next, day my grandma in her mid, eighties
(35:11):
in her high heels and her, dress walks out to
the to the. Backyard there was kind of an alleyway
that's where he parked his. Car his truck back, there
disconnected the battery. Cable grandpa goes, out tries to start
the car and it won't. Work he comes, in he, says,
honey the truck won't. Start we need to get it.
(35:32):
Serviced and looked at it and she, goes, okay well
why DON'T i drive us? Today? Okay? Sure because she
knew if she took his keys, away it's gonna be
a big. Fight, Right, oh you're not taking my car keys.
Away she avoided all of. That this was just. Genius
the next, day And god love, him my grandpa had.
Dementia he forgot about all of that. Stuff so the
next day he goes out to his. Truck it won't,
(35:55):
start and he, discovered, oh my truck is. Broken it
needs to be looked. At, honey the truck won't. Start
we need to get it, serviced you, know and she, Goes, okay,
well why DON'T i drive us? Today show.
Speaker 3 (36:07):
Sure.
Speaker 2 (36:07):
Sure this went on for two or three, weeks and
eventually he kind of forgot about his. Truck he got
used to following grandma out to her, car which you
parked out in the front of their, house and he
kind of forgot about the truck and she sold. It
and that's that's how she dealt with, that very very very.
(36:28):
Creative so it's a this is a big, deal but
at that, point you, know that's a, major, major major
safety issue for. Sure so number, two when to consider
moving from your home to a senior care, community AND
i would call this a very close to or maybe
even a ONE. A when the caregivers health and well
(36:51):
being are in, decline you cannot have that go on very.
Long so the most common example of that is the
eighty year old spouse caring for the eighty year old.
Spouse and if you're anything like my grandma, was she
was very protective of her. Role, Well i'm his, wife
(37:12):
AND i take care of, him and she did a fantastic, job,
right but if she wasn't very good at letting other
people help her do that because that was her responsibility
and she just she wanted to do. That but, look
we're talking about your mental, health your emotional, health spiritual,
health and of course your your physical. Health so what
(37:33):
do we do as caregivers that are giving it our,
all our the heroic? Caregivers we place our own needs
on the back. Burner we skip our doctor's, appointments our dental,
appointments we skip social events like the book club and
donuts with the guys in the coffee, shop and we
(37:56):
stopped going to, church and we we we stop everything
because we're so. Focused we love this person so. Much
we put them. First we put us second and all
of our stuff. Second and guess, what at some, point
that's a lot of. Stress and you could develop health
issues that we didn't catch because you skipped your annual.
(38:17):
Checkup you, know.
Speaker 3 (38:18):
All of this.
Speaker 2 (38:18):
Stuff and let me just say that. Stress and you
cannot let that go on very. Long if you see
that the caregiver is starting to. Decline guess, What now
you have two people, declining and that just cannot go
on very much longer you. Have there has to be an.
Intervention you have to step. In and let me say,
(38:41):
This i'm not going to get into the gory. Details
stress is a powerful. Force AND i have seen the
caregiver that puts puts their their loved one, first and
they put all, everything all of their. Stuff, Second i've
seen them pass away well before the person they're caring
(39:03):
for passes. Away and, now guess, what you just defeated the.
Purpose you're not there to watch over that person and
to make sure that they're cared for and they're loved
and they get everything that they that they need to.
Get so don't do. That it's a very very preventable.
Situation all. Right that's as much As i'm going to
(39:25):
preach on that one, today all. Right number, Three when
to consider moving from home to senior care community when
the cost of in home care becomes too. Expensive, now
if you know, me you KNOW i am a, huge
huge fan of home. CARE i think home care is
a fantastic. Resource just even a little bit of help
(39:49):
could could help you remain independent in your home for
years to. Come, however like everything, else is getting kind of,
expensive and if your need for home care support increases
to the level of twenty four hours a. Day at
that point it may become cost. Prohibitive twenty four hour
(40:09):
home care PRE covid used to run about fifteen to
twenty thousand dollars a, month which is one heck of
a lot of. Money today it's going to run somewhere
between twenty five thousand to thirty thousand dollars a. Month
now most folks can be at home and they don't
need twenty four hour. Care they need some help on
(40:30):
throughout the, weekdays every other, day whatever the situation. Is
and again it's a very cost effective way to stay.
Home but at some point that just may not make sense.
Financially and, then last but not, least if you just
can't provide enough. CARE i like to ask the, question
why not consider changing your role from being that hands
(40:52):
on caregiver to the care, Manager meaning let's go out,
Together let's find a great place with professionals who can
provide twenty four hour care for your loved. One it'says to,
living long term, care memory, care et. Cetera and let's
let them deal with the stress and the struggles of
being a. Caregiver and then guess. What you can go
(41:14):
back to your original role as the loving, wife loving,
husband loving son or daughter or grandson or. Granddaughter, okay
and you don't have to worry about oh, gosh today's
showers is shower day and that's always, difficult and the
meal time mess and all and the incontinent, support all the.
(41:36):
Stuff you don't have to worry about that because professional
caregivers are taking care of, that and you can be
their loved one in your original role and just make
sure that you're watching out for, them make sure they're
getting everything that they need to, get and just be
their care manager and their care advocate if that makes
sense to. You if you are ready to consider moving
(41:58):
from your home to a senior care, COMMUNITY i would
invite you to reach out to my, Firm Senior Care
consulting for a free. Consultation it's at nine one three
nine four five twenty eight hundred nine one three nine
four five twenty eight hundred go online At Senior Care
consulting dot com and check out our. Services we can
(42:21):
definitely help you do that and ask for a free.
Consultation we'd love to visit with you about, that all.
Right I'm Steve, keeker AND i wish you grays in.
Peace May god bless you and your family on this
day and always join me next week right here On
Senior Care.
Speaker 5 (42:37):
Live does your business serve the elderly and their caregivers
in our?
Speaker 2 (42:50):
Area there are.
Speaker 5 (42:51):
Hundreds of thousands of people either receiving or providing senior
care and they need to know about. YOU a unique
and successful radio program called Care live is the perfect
opportunity to let your target audience know about your amazing
products and. Services Senior Care live is currently adding a
limited number of partner, sponsors and if you're aligned with their,
(43:12):
mission they want to talk to. You they're interested in
partnering with hospital, organizations physician, groups home care, providers a
state planning and older law, practices financial, advisors insurance, companies
real estate, brokers home health, agencies and other providers serving
the elderly and their. Caregivers Senior Care live has a
(43:33):
limited number of partner sponsor, opportunities so call now at
nine one three nine four five twenty eight hundred nine
one three nine four five twenty eight hundred or visit
seniorcare live dot, com seniorcare live dot, com.
Speaker 2 (43:47):
Quid pro quo A latin phrase that means an exchange
of goods or services where one transfer is contingent upon the.
Other here's an. Example i'll recommend your senior care community
if you'll pay me a huge kickback from my. Referral
the free referral services have a vested interest in you
choosing one of their business. Partners that's how they make their.
(44:09):
Money does this paid recommendation sound objective or? Credible of course.
Not I'm Steve keeker With Senior Care. Consulting i'm so
proud to say we have never received a single penny
from any provider. Ever we offer a placement service with
integrity for help finding the right senior care, community without
(44:30):
conflict of, interest and without the quid pro quo called
nine one three nine four five twenty eight hundred nine
three nine four five twenty eight Hundred replacement service with
integrity At Seniorcare consulting dot.
Speaker 6 (44:45):
Com, hi this Is Carrie hole with an important message
About medicare benefits you may be eligiblefore but don't know.
About they're Called Medicare Special needs. Programs if you're A
medicare recipient or a, caregiver here's what you need to.
Know there are three programs you make qualify. For the
first Is MEDICARE C snip for people with chronic conditions like,
asthma heart, disease, diabetes and. More the second Is MEDICARE D.
(45:08):
Snip if you are currently on A medicaid, plan you
may qualify for this dual eligible plan while keeping your
Full medicaid. Benefits the third plan Is MEDICARE I.
Speaker 4 (45:18):
Snip if you're in an institution like a nursing home
or at, home but require an equivalent level of, care
you may qualify for this plan AND rps. Benefits by,
design they're Certified medicare specialists that can walk you through
these programs and help you. Qualify Joyce thompson And Carol
Lee steele Call today eight seven seven three eight five
twenty two twenty. Four that's eight seven seven three eight
(45:40):
five twenty two twenty. Four once again eight seven seven
three eight five twenty two twenty four
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