Life Insurance Riders that Pay for Long-Term care

Life insurance has many uses, including income replacement, business continuation, and estate preservation. Long-term care insurance provides financial protection against the potentially high cost of long-term care. If you find yourself in need of both types of insurance, a life insurance policy that combines a death benefit with a long-term care benefit may appeal to… Read More

5 Numbers Identity Thieves Love

Identity theft has been in the news for many years now. And yet, identity fraud has continued to grow unabated and is costing our society billions of dollars each and every year. It has been reported that identity fraud hits a new victim every two seconds. If you do the math, that’s almost 16 million… Read More

Market volatility is up… So what?

Professional investors know something that most people find impossible to believe: that the threat of scary ups and downs in the markets is by far the best friend of the long-term investor. Why? Because over the long term, stocks have provided returns far higher than bonds or cash. If it weren’t for the occasional dizzying… Read More

Yes, you should dump him because of his poor credit score

SheKnows.com

reposted from SheKnows.comby Mary McCoy When I was in my early 20s, I fell in love with a guy who had an abysmal credit score. He was open about it, and I was willing to give him a chance. After all, love conquers all, right? Right, until he stole my social security number and financial… Read More

My Kid is Going to Cost Me How Much!?

Time for a Financial Plan

News flash …. HOT off the press …. And one that falls squarely into the laps of the Gen Y / Millennial generation!!   Last week, the United States Department of Agriculture released its’ annual report that details the cost to raise a child from birth to the age of 18.  YIKES!!  This report doesn’t… Read More

Myth Busting: Social Security

Myth:  Social Security will provide most of the income you need in retirement. Fact:  It’s likely that Social Security will provide a smaller portion of retirement income than you expect.  There’s no doubt about it – Social Security is an import source of retirement income for most Americans.  According to the Social Security Administration, more… Read More

Having Kids – The “Serious” Talk

Part 1 of a 5 part blog series

This is a five part blog series focused on the financial aspects of having children.  Specifically, the issues one should consider prior to bringing a child into a family.  This is part one, The “Serious” Talk.  The other four blogs will be published at one week intervals.     The decision to bring a child… Read More

Procrastination Doesn’t Pay

The Little Things Add Up

At any age, saving for retirement is and should be a very high priority.  The concept is easy; start early, save as much as you realistically can, and put your money into a diversified portfolio, is and always has been critical to being prosperous in retirement.  One aspect that is often overlooked is the timing… Read More

How to Become a Savings Junkie in One Simple Step

My mother was born a saver. It is in her DNA. To prove this let me share one of her stories:   “One of my favorite pastimes (when I was a little girl) was counting the change in my piggy bank. I always engaged in the ritual alone in my room. I would lie on… Read More