How to Reevaluate Your Finances Later in Life

According to data from PricewaterhouseCoopers, many Americans are in the so-called “middle market” of retirees, with somewhere between $100,000 and $1 million saved for retirement. The data also reveals that roughly half of Americans aged 55 or older have less than $100,000 in retirement savings, which is not enough for a traditional retirement. Some financial […]

How Young Is Too Young for Life Insurance?

Traditionally, parents buy life insurance policies for themselves to provide for their children in their absence. However, there are times when parents may want to consider purchasing a life insurance policy for their child. Why. The most cited reason why you might want life insurance for your child is the payment of final expenses, such […]

Tornado Safety Tips

Practice and Prepare. Know where you and your family will go if a tornado strikes while you are home. Practice and teach your children where to go.  Have a family meetup area or a plan for everyone to check in with someone you designate via a phone call or text after a tornado event. Review […]

Hosting Tips to Enhance Your Hospitality

The secret of a successful party is comfort—yours and that of your guests. Yet all too often we are so concerned about doing everything right that hosting turns into a stress fest. When you are the host, you want your friends to feel welcome and at home. Everything you do in preparation for the event […]

Memory Brain Training: From Sieve to Steel Trap

Some instances are easy to laugh off. Forgetting an appointment or misplacing one’s keys can be filed under “being forgetful.” But a leaky memory isn’t funny when those misplaced dates and items are of great importance, or when the forgetfulness becomes chronic. Fortunately, there’s good news for sufferers of poor memory: it can get better. […]

Animal Invasion? You May or May Not Be Covered

Your dog ate your couch. Birds destroyed your gutter. A family of raccoons or a bear overran your car or garage. Will your homeowner’s/auto insurance cover these animal invasions? Yes and no. Here’s the scoop: Infestation: If your home suffers damage at the hands (or legs) of insects, rodents, or vermin, the cost probably won’t […]

Annuities: One Leg of a Three-Legged Stool

Financial planners often use a simple analogy to explain retirement income: a three-legged stool. The three legs symbolize Social Security, pensions, and personal savings. But where do annuities fit? On one hand, an annuity is a self-created pension plan. On the other hand, an annuity is created from personal savings. But it may be best […]

Dunk Your Prescription Costs to Avoid the Donut Hole

Donut hole: This pleasant-sounding name actually describes a coverage gap in Medicare Part D. The donut hole appears when your non-generic prescription costs exceed your plan’s initial coverage limit ($3,820 in 2019), but have not yet reached the catastrophic coverage level. You can avoid the donut hole longer and perhaps entirely by reducing your prescription […]

Where Will Technology Take Us Next?

Products like smartphones and voice-command speakers used to be the stuff of Jetsons fantasies. Then they became reality and altered our world dramatically. So, what’s next? Here’s a roundup of the emerging technologies. Drones: These aren’t just for taking Instagram-worthy aerial shots. Drones offer plenty of yet-to-be-fully realized potential. They’re being explored as tools for […]

Why Did My Auto Insurance Premium Increase?

Did your auto insurance rate go up? If you noticed an increase in your premium, this is often due to one of three reasons. Fortunately, there are three things you can do to push that figure back down. Here’s the scoop. Tickets: Did you receive a traffic citation? Tickets are a common cause of insurance […]

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