Plan smart. Retire well. Protect your family.
Financial revelations, during the past 10 years, have shown millions of senior citizens that their hopes of a secure retirement have lessened. Most seniors are now living longer in retirement years, and are being forced to live on less retirement income. Despite some discouraging indicators for present and upcoming retirees, there are ways seniors can […]
When you’re paying back debts, a little strategy can make a difference of hundreds to thousands of dollars. The best strategy is simple, but effective. Write Down Your Debts in Detail: What, How much, What’s the interest rate? You should have no trouble finding this information; it should be right on the bottom of your […]
With all the advancements in medical technology, prescription drugs and health programs, our senior population is living longer and are in better health. With the increasing longevity of people who have already reached retirement age, many seniors are beginning to worry about outliving their money. The Fear of Outliving your money can be a burden, […]
If you have been following this newsletter for any period of time, or if you follow the financial industry, you have probably come across the term, “indexing.” Now I could write a 2,000 word document going over the intricate details of how it works, how the companies can afford to do it, all the different […]
There has probably been a time in your life where no matter how tired you became, you still were not able to fall asleep. This may have been going on for several nights sporadically, over a week period, special occasions, or has been continually going on for much longer. Hopefully, these tips I’m about to […]
Long-term care insurance is probably not for everyone, but—with soaring healthcare costs, insurers increasingly restricting coverage and eligibility, and people’s need to stretch retirement savings through more years—it’s a good idea to consider it seriously. Your goals should be to protect your assets, minimize your dependence on other family members, and control where and how […]
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. The survivor can complete the necessary form at the local Social Security office, orthe funeral […]
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, at any given time. 2. Some debt is good. Borrowing for a home or college […]
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 they stand. So if you’ve procrastinated, you are not alone! There is hope! You can […]
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 some discouragingindicators for present and upcoming retirees, there are ways seniors can assure themselves ofadequate […]
