Our attitude has a profound effect on the quality of our life. Optimism and pessimism create two completely different realities. By taking a few simple steps to adopt a more optimistic and positive attitude, you can enjoy both immediate and…
First, Why Do People Want To Avoid Probate? Most people want to avoid probate for two reasons. First, because assets are frozen and not available to heirs during the year or more it takes for probate to be completed. Remember,…
It is no secret that college costs rise every year and generationally we are saving less and less. This created a problem that was "resolved" by the creation of the 529 plan. A 529 plan is a tax-advantaged savings plan…
Survivor’s information on how to claim your spouse’s benefits…Social SecurityIf the deceased had paid into Social Security for at least 40 quarters, two types of benefits arepossible:1. Death benefit: $255 for burial expenses is available to eligible spouses or dependentchildren.…
1. Americans and their credit card debt. The average American household with at least one credit card has nearly $8,000 in credit card debt, according to USA Today and the average interest rate runs in the mid- to high Twenties,…
Did you know that 71% of Baby Boomers admit to being behind in saving for retirement? 64% of Generation X only have 10% of their target saved! Worse than that, there are millions of others who don’t even know where…
Financial revelations, during the past 10 years, have shown millions of senior citizens that theirhopes of a secure retirement have lessened. Most seniors are now living longer in retirementyears, and are being forced to live on less retirement income. Despite…
A lot of older Americans are converting the equity in their homes into cash, by using a type of loan called a reverse mortgage. The money from a reverse mortgage can provide seniors with the financial freedom they need to…
It makes no difference whether you retire at 65 or 75 years old, for most elderly – except the very best off – a serious concern that most have is whether or not they will outlive their income and assets.…
It is no secret that college costs rise every year and generationally we are saving less and less. This created a problem that was "resolved" by the creation of the 529 plan. A 529 plan is a tax-advantaged savings plan…
