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Month: April 2011

Posted on Categories Articles, Insurance News BlogTags , , , , , Leave a comment on Assessing Long-Term Care Needs

Assessing Long-Term Care Needs

Is it normal memory loss or Alzheimer’s disease? Is it depression or dementia? The early symptoms of cognitive changes are often subtle and far more difficult to assess than those associated with a physical illness or disability. As a result, it can be difficult to determine whether a friend or family member can live independently … Continue reading “Assessing Long-Term Care Needs”

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Money Management Tips for Young Adults

Young adults today face a variety of challenges in their quest for financial security. Some of these obstacles are similar to those faced by previous generations, while others are unique to the times. If you are a young adult, here are five financial tips to help you manage your money and prepare for your future. … Continue reading “Money Management Tips for Young Adults”

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Seven Steps to a Sound Financial Future

Today, many people find themselves bombarded by a constant stream of financial news from television, radio, and the Internet. Yet, does all this “information age” data really help you manage your finances any better than in the past? The truth often is that the “old-fashioned” practices, such as periodic financial reviews, lead to greater success … Continue reading “Seven Steps to a Sound Financial Future”

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How Much Can You Earn and Still Receive Social Security?

Retirees are often ready, willing, and able to start new careers or businesses late in life that may earn them valuable incomes. However, some may feel that it is not worthwhile to work for wages, only to have to “give up” some of those earnings in the form of higher income taxes. Frustrating as that … Continue reading “How Much Can You Earn and Still Receive Social Security?”

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Is a Roth 401(k) Right for You?

Since it first became available in 2006, many employers have added the Roth 401(k) to their benefits packages as a retirement savings option. A Roth option, which is available for Individual Retirement Accounts (IRAs), as well as sponsoring 401(k) and 403(b) accounts, may be appropriate for some individuals, depending on their circumstances. So, is a … Continue reading “Is a Roth 401(k) Right for You?”

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Planning Your Charitable Gifts

Sometimes, our desire to give leads us to make commitments that are difficult to fulfill. Any endeavor worth undertaking, especially one that can benefit others, deserves our careful consideration before we begin. Doing so can yield the greatest results. When contemplating making charitable gifts, consider the following: · Choose Your Causes. Good causes abound and … Continue reading “Planning Your Charitable Gifts”

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A Short Course in Budgeting for College Students

One “extracurricular” activity that every student should master while in college is personal money management. Typically, a student’s day-to-day spending is done on an improvised basis, meaning that overspending is often the norm rather than the exception. It is estimated that during a school year the average college or university student will spend approximately $4,000 … Continue reading “A Short Course in Budgeting for College Students”

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Guidelines for Keeping Credit in Check

Imagine you are at an auction and an antique lamp you love is about to come on the block. When you viewed the auction items earlier, you placed a value of $100 on the lamp. It is late in the auction, you have planned your bidding carefully, and you have exactly $100 in cash left … Continue reading “Guidelines for Keeping Credit in Check”

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Payback Time: Facing Student Loans

It takes four years, on average, to graduate from most colleges and universities. During that time, students can amass some hefty debts. But, for many people, the degree is certainly well worth the burden of accumulated debt. So, these questions remain: How should you repay the debt? And, are there any plans that can help … Continue reading “Payback Time: Facing Student Loans”

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A Living Will—Your Medical Directive

How do you feel about life-support systems for the terminally ill? How much thought have you given to the decisions your family may face when contemplating the choice of maintaining or terminating life-sustaining medical treatment for you? Certainly, it is an easy subject to avoid considering. However, it is important to recognize there are measures … Continue reading “A Living Will—Your Medical Directive”