Women and Long Term Care

For many people, the words “long term care” bring to mind images of nursing homes, wheelchairs and the incapacitated elderly. But really, long-term care is a wide range of services and other support you may need to get through basic everyday tasks and life as you get older. This service will be one of your […]

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Improving Your Retirement Finances

Jeff Masters Good News   Approaching the time in life when you hope to have enough savings and investments to retire can be challenging and confusing. But don’t be discouraged. It’s never too late to improve your retirement prospects. Here are some ideas and recommendations on how you can improve your retirement finances.   Downsize […]

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What about Life Insurance?

Life insurance may be one of the most important purchases an individual will ever make. An August 2010 study by LIMRA, an insurance research organization, revealed that ownership of individual life insurance has fallen to a 50-year low in the United States: 30 percent of households (35 million) have no life insurance coverage at all. […]

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My 2016 Financial Goals

Well we are facing a new year again . . . and do I really need to set goals again? Last year I missed, in some cases was not even near reaching some of my personal, and financial goals – UGG! Statistically, only 45% of Americans make New Year’s Resolutions, and only 8% of them […]

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The Most Expensive Time of the Year

  Wow, I can’t believe it is that “expensive” time of the year again! Christmas is supposed to be the season to have fun while enjoying the holiday with family and friends. However, the cash crunch and credit card bills arriving in January seem to ruin the joy. It’s no wonder that the holidays are […]

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What to Do When the Stock Market Crashes

  We all experienced a lot of market ups & downs recently. We know that markets rebound from crises over time. However, the recent market volatility has affected investors more than anytime since the Great Recession in 2008-2009. This volatility can be very unsettling, but it is a natural part of the market. We have […]

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Divorced Over Money?

  You’ve probably heard that money problems are one the most significant factors that can lead to divorce. According to a Citibank survey, 57 percent of divorced couples cited money problems as the primary reason for the demise of their marriage. Having counseled couples financially for over 20 years, I have found that money is […]

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A Good Way to Save For Education Costs

  For some time now the cost of a college degree has been rising at a shocking rate, and as a result the dream of one day going to college, for many, remains just that…a dream. But the rising cost of college has brought heavy debt burdens that have many new graduates wondering if they […]

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Can You Afford $400?

A typical American household cannot raise $400 without borrowing money or selling possessions, according to the results of a survey published recently by the Federal Reserve, the US central bank (The Fed’s Report on the Economic Well-Being of U.S. Households in 2013). The agency asked 50,000 people if they could handle an unexpected “financial disruption” […]

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Choices for Your 401(k)

In our culture of continual job change, people who leave their jobs are faced with a decision about what to do with their 401(k) account. Indeed, a 2012 report by the U.S. Labor Department notes that the average worker holds 11 jobs from age 18 to 46. How many previous employer 401(k)s and company plans […]

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