Dear Mr. Premack: My husband (90) is in a nursing home and has dementia, and I am 88. I am seeking advice on protecting our assets. We have about $90,000 in cash, $100,500 in mutual funds, a farm worth $300,000, a rental residence worth $95,000, our homestead, car and personal property worth $115.000. Our income is only $40,000 annually, and we get $17,500 a year in oil royalties. That, of course is an unknown in the future. Will we benefit from protecting our assets at this

Dear Mr. Premack: Every day on the news we are watching political maneuvering over Obamacare. The law is legal says the supreme court. What we can’t figure out is why the news tells us it is so unpopular. Personally, I’ve paid for major medical health insurance for myself and my wife now for decades; it is the only responsible thing to do. I’ve always felt sympathy for people who can’t get insurance because they are ill (no coverage just when they need it!) or people whose in

Dear Mr. Premack: My aunt has been a woman ahead of her time. Although she is now in her 80’s, she has been working with computers for 20+ years. She was the first in our family to send emails, to embrace a digital camera, to sign up for Facebook. She does her banking and her brokerage online and has gone paperless whenever a service provider offered the option. Now she has had a stroke. She gave me durable power of attorney a few years ago. To do my job of paying her bills a