We don't often think of living a long life as a problem, especially for those we love. But what happens when Mom, Dad, a spouse or another beloved family member are in need of regular health care yet are apparently short on finances?

Actually, paying for care may be well within your loved one's means, says insurance expert Chris Orestis.

"It's a secret the life insurance industry has managed to hide for decades: Your policy can be used to pay for long-term health care such as home care, assisted-living or nursing home expenses," says Orestis, a former insurance industry lobbyist.

"Many people who need long-term care can't afford it, so they drop the policies they've been paying on for years in order to qualify for Medicaid. The life insurance companies profit from the fact that they get all those years of premiums and never have to pay out a death benefit."

Orestis, who's been lobbying state Legislatures - including Texas - to make the public aware of their legal right to use this option, says seniors can instead sell their policy for between 30 and 60 percent of its death benefit value. The money can be put into an irrevocable fund designated specifically for their care.

He offers more tips for paying for a senior's health care:

• Don't go straight to Medicaid. If your first thought is skipping right to Medicaid, the government's health-care safety net for the very poor, then you may be heading for a trap. Once you have Medicaid paying the bills, you and your loved ones have little say in how you're cared for and by whom. This policy conversion option allows you to live in a place where you're happy and comfortable and it saves taxpayers millions of dollars every year. Also, with 30 percent of the Medicaid population consuming 87 percent of Medicaid dollars spent on long-term care services, more individuals will be forced to find their own resources to pay for those needs.

• Consider what you've already paid for; www.lifecarefunding.com. The practice of converting a life insurance policy into a Life Care Benefit has been an accepted method of payment for private duty in-homecare, assisted living, skilled nursing, memory care and hospice care for years. Instead of abandoning a life policy because your loved one can no longer afford the premiums, policy owners have the option to take the present-day value of the policy while they are still alive and convert it into a Life Care Benefit - Long Term Care Benefit Plan. By converting the policy, a senior will remain in private pay longer and be able to choose the form of care that they want but will be Medicaid-eligible when the benefit is spent down.

• Think again before tapping other assets. It costs more than $80,000 a year on average to pay for a loved one's stay at a nursing home, according to the National Consumer Voice for Quality Long Term Care. And, $178 billion is spent out-of-pocket by individuals and families, accounting for 22 percent of the money spent on nursing homes, according to the Kaiser Family Foundation. This can lead down a costly path of tapping other forms of wealth, or even seeking loans. Before doing this, consider utilizing a life insurance policy first. Conversions include provisions for funerals, and whatever money is not spent on care goes automatically to policy beneficiaries.

About Chris Orestis

Chris Orestis, nationally known senior health-care advocate and expert is CEO of Life Care Funding, which created the model for converting life insurance policies into protected Long-Term Care Benefit funds. His company has been providing care benefits to policy holders since 2007. A former life insurance industry lobbyist with a background in long-term care issues, he created the model to provide an option for middle-class people who are not wealthy enough to pay for long-term care, and not poor enough to qualify for Medicaid.

Now, you really can live forever, but that's not necessarily a good thing.

Many of your online accounts - from automatic bill payments to eBay - may remain active after you pass away, unless you take steps to ensure they don't, says attorney Hillel Presser, author of "Financial Self-Defense (Revised Edition), "www.assetprotectionattorneys.com.

Automatic bill pay, for example, can theoretically keep tapping your bank account long after you're gone or, at least, until your money is.

"It's important to make sure your online bank and shopping accounts, even your social media, can be closed out, or that your loved ones are authorized to access them," Presser says. "You may ask, 'Why would I care if I'm gone?' I can tell you from experience: because it can create real headaches, and more heartache, for your family."

Bank and shopping accounts will be vulnerable to identity theft, which would affect your estate if someone opens credit cards in your name. You might have valuable intellectual property, like domain names. They may need access to your health records, particularly if you died under questionable circumstances, he says.

There's the sentimental stuff - photos and emails -- that your family may want as a remembrance of you, and the libraries of music and ebooks, which may represent a considerable investment on your part.

"The problem is, even if you provide a family member with all of your accounts, log-ins and passwords, they may not be legally allowed to access them," Presser says. "In many cases, they may be violating the accounts' terms of service or violatingfederal privacy and computer fraud laws. Some states have laws governing online materials, but they're different and which of your accounts are covered depends on where the provider is located."

What can you do to ensure your family isn't left with a virtual nightmare after your passing? Presser offers these tips:

• Create a list of all of your accounts, including log-innames, passwords, and answers to any security questions. Obviously, your list will need to be securely stored. Since you'll need to update it regularly as you add accounts or change passwords,  it will be easiest if you keep the list on your computer in a password-protected folder. Some versions of Windows allow you to create protected folders, but you may need to get third-party software to do this, such as freeAxCrypt. Remember to create a backup of your list, whether it's on a jump drive or printed out on paper. Store the backup in a secure place such as a safe deposit box. Do not put password information in your will, which is a public document.

• If you have a Google account, set up the new inactive account manager. In May 2013, Google became the first site to give users an option for choosing what becomes of their content if they should become debilitated or die. Under the profile button, click "Account," scroll down to "Account Management," and you'll find instructions for "Control what happens to your account when you stop using Google." You can select how long the account should be inactive before your plans are set into motion; choose to whom you want to offer content, such as YouTube videos, Gmail, Google+ posts, Blogger and Picasa web albums, or whether it should simply be deleted.

• Appoint a digital executor. Perhaps the simplest way to ensure your online life is taken care of is to appoint a digital executor - a tech-savvy person who will be willing and able to carry out your wishes. Authorize the person to access your inventory of log-in information and spell out what you want done with each account, whether it's providing access to loved ones or business partners, or deleting it.

The digital world has grown and transformed so rapidly, the law hasn't kept up, which makes managing your digital afterlife challenging, Presser says.

"Until there are more consistent laws and procedures governing this area, it's best to plan ahead, leave clear instructions and be sure you have a list of accounts where your estate lawyer or a loved one can find it and access it," he says. "It will make a world of difference to your survivors."

About Hillel L. Presser, Esq., MBA

Hillel L. Presser's firm, The Presser Law Firm, P.A., represents individuals and businesses in establishing comprehensive asset protection plans. He is a graduate of Syracuse University's School of Management and Nova Southeastern University's law school, and serves on Nova's President's Advisory Council. He is a former adjunct faculty member for law at Lynn University. Complimentary copies of "Financial Self-Defense" are available through www.assetprotectionattorneys.com.

With the recent declaration from the American Medical Association that obesity now should be considered a disease, the United States officially becomes an even more afflicted union. Obesity, which affects 78 million adults and 12 million children, causes a plethora of other illnesses, including cardiac disease and diabetes.

"It's clear that a really fundamental paradigm shift in lifestyle is needed for an enormous swath of the U.S. population - but there are also Americans who have already reshaped their eating and exercise habits, and they're looking to not only maintain their health, but also take it to the next level," says Dr. Susie Rockway, a veteran nutritional and biochemical expert in the U.S. health industry.

"These are often busy, professional people who make an effort to eat healthy with most meals and make time throughout the workweek to move their body and get their blood pumping."

Still, they also want to be able to enjoy an indulgent meal every once in a while - birthdays, family barbecues or date night with the spouse. Dr. Rockway offers tips for people who want to maintain their weight while still enjoying the occasional burger, chicken wing or greasy pizza slice:

• Food diary: So, nine times out of 10 you eat healthy, eh? That may not really be true, but a food diary can help clear up any confusion. How much fattening mayo was used to make that tuna salad? If you've sworn off meat, are you getting enough protein and are you eating too many carbohydrates? What kind of carbs are they? Are you eating a diverse diet that provides all the necessary nutrients? A food diary will help challenge your assumptions and make you more aware of everything you're eating, how much and where you might make healthy adjustments.

• Stay hydrated: Whether you've upped the ante on your workouts or you're consuming too much salt or too many caffeinated beverages, which act as a diuretic, doctors and researchers believe as many as 75 percent of Americans experience dehydration throughout the day. Dehydration can make you confuse thirst for hunger, cause fatigue and a fuzzy memory.

• Lineatabs www.lineatabs.com: This meal supplement has been popular in  Europe for 11 years and recently became available in the United States. Lineatabs contains Solusitan, an all-natural fat-binding complex. Unlike other fat-binding supplements, Lineatabs dissolve in water to become an effervescent citrus flavored beverage that users consume before or while eating a fatty meal. Since the dietary fibers in Lineatabs are dispersed in water are not compressed into a tablet, they're immediately available to bind with fats, turning them into an indigestible liquid mass. The tabs are perfect for people who follow a healthy diet but occasionally eat a greasy-fatty meal. The ingredients in Lineatabs are clinically proven to help reduce body weight, in combination with a calorie-restricted diet, and can also help maintain healthy cholesterol levels. Additionally, Lineatabs encourages hydration, as it makes you drink more water.

• Relaxation: If you're always on the go, chances are you may be suffering from excessive stress, which according to the American Journal of Epidemiology, raises levels of cortisol, a hormone that can make you feel hungry. Stress can also make busy people more prone to comfort eating, including excessive amounts and foods filled with fat, sugar and salt. Consider breathing techniques, yoga or meditation for handling a busy schedule.

• Slightly increase/mix-up cardio: It's easy to get into a routine in your workout. After a certain point, however, your body gets used to the exercise and you get less of a workout. You don't have to drastically alter things though; increasing the incline on your treadmill by just 5 percent can help you lose 15 percent more calories during your walk/jog/run. If you want more muscle definition, consider trading a walk for a shorter jog, or a jog for a shorter sprint.

About Dr. Susie Rockway, Ph.D., C.N.S.

Dr. Susie Rockway, Ph.D., C.N.S., is a veteran nutritional and biochemical expert and is a multi-decade industry expert. She has worked for multiple companies in executive capacities, including as an executive director of product development, a director of research, and a manager for science developing health and wellness products, where she communicated nutrition and new science updates to consumers. She has also designed testing strategies for clinical efficacy studies.

Women's worries about wrinkles, dark spots and other aging skin concerns aren't all vanity, a new poll reveals.

Forty-two percent of women ages 50 to 59 believe they need to look young to be successful at work, according to a recent poll by Penn Schoen Berland.

"Increasingly, both men and women have anxiety about looking older, but the good news is that science has developed natural tools to help us look younger longer," say Drs. Rick and Arlene Noodleman, the husband-and-wife physician team at Silicon Valley's Age Defying Dermatology, (www.agedefy.com), national leaders in medical and cosmetic dermatology and integrative medical treatments.

Something we all battle daily is damage from free radicals, a term that has entered the public lexicon with little understanding by most people.

"Free radicals are oxygen molecules that have lost electrons through oxidation, making them unstable. If your body doesn't have enough antioxidants to stabilize them and render them harmless, they can damage cell membranes, which eventually breaks down the proteins that support and plump the skin," explains preventive medicine specialist Dr. Arlene Noodleman.

"We're bombarded by free radicals every day", she says. "We produce them when we metabolize food and even when we breathe. They're also in the environment - diesel exhaust, air pollution, UV radiation (from the sun) and cigarette smoke are all major producers."

"What's worse, those free radical oxygen molecules are always looking to stabilize themselves by swiping electrons from stable molecules, which creates even more free radicals," says dermatologist Dr. Rick Noodleman.

"We have lots of natural defenses against free radicals, but as we age, we begin to lose them," he says.

Some vitamins are antioxidants, meaning their molecules provide electrons that stabilize the free radicals.  Clinical studies have found that certain of these are effective in preventing damage, or correcting damage such as reducing wrinkles and dark spots.
In certain cases, "taking your vitamins" means applying them on your skin so they can work from the outside-in, the physicians say.

• Vitamin A - "There is significant scientific evidence that the form of vitamin A called retinoid, when applied topically, can treat damage caused by sun exposure," says Dr. Arlene Noodleman. "It can soften fine lines and wrinkles and lighten dark spots." In one study, subjects had significantly fewer fine wrinkles after applying a prescription-strength retinoid cream (0.1 percent isotretinoin) once a day for 36 weeks. "Of the over-the-counter retinoid products, Retinol appears most effective", Dr. Noodleman says.

• Vitamin C - "Vitamin C applied topically is much more effective than taken orally", says Dr. Rick Noodleman. "That's because vitamin C is relatively unstable -- it quickly oxidizes when exposed to air and in certain other conditions. So, to get the full benefit, you would need it in much greater amounts than you would normally consume in a tablet. You can get that benefit by using a topical formulation," he says. "Look for 'stable' vitamin C of the L-ascorbic variety, which offers the best protection against sun damage", he states. "It reduces lines and wrinkles, protects against sun damage, and encourages production of collagen, one of the proteins susceptible to free radical damage. Importantly, collagen makes up 75 percent of our skin and gives it support and volume."

• Vitamin B3 - "As a 'damage corrector', test-tube studies have shown that vitamin B3 boosts collagen production and clinical studies have shown that it reduces dark spots", says Dr. Arlene Noodleman. In one significant study, 50 Caucasian women applied a 5 percent vitamin B3 solution to one side of their faces every day for 12 weeks. They had a marked reduction in dark spots, redness and yellowing, and increased elasticity.

The two doctors advise that, for best results, people should buy these topical vitamin products at concentrations that have proved effective - and use them for the length of time recommended.

About Drs. Rick and Arlene Noodleman

Dr. Rick Noodleman, a board-certified, Stanford-trained dermatologist, is an expert in the medical and surgical management of skin disease, aging skin, and advanced cosmetic techniques. Dr. Arlene Noodleman, board-certified in preventive medicine and fellowship-trained in integrative medicine, is a healthy aging expert who focuses on the whole person and strategies that facilitate the body's innate healing response. Together, Drs. Noodleman created the Revercel cosmeceutical and neutraceutical product line (www.revercel.com), which includes products containing vitamins in the amounts and forms scientifically proven to be effective. They include Eye Perfection and Intensive Repair Serums with Retinol and Vita-C Emulsion.