January 23, 2018

Retirement Planning for Women: Making Those Years Count

On average, women tend to live a few years longer than men. Scientists and comedians have tried for years to get to the bottom of it, with no luck really. This means a couple of things for women, though – first, you score a point in the battle of the sexes. It also means you need to be more financially […]
January 23, 2018

Protecting Your Financial Life: Consider a Pocket-Knife

Most people think life insurance is there to protect your family if you die before you retire, and that’s true. But with its unique combination of tax and non-tax benefits, life insurance is a versatile financial product that can also help protect other areas of your financial life such as your retirement savings and strengthen the financial security of those […]
January 23, 2018

Staying on Track for Retirement: A Bird’s Eye View

You spent a long time creating an investment plan to increase your likelihood for a successful retirement. Because your money is invested in real world markets, there will naturally be some change and flux over time. Some of your goals will shift as you approach them too, giving you another reason to monitor and adjust your finances as time goes […]
January 23, 2018

Setting Retirement Goals that will Help You in Your Golden Years

To calculate how much money you’ll need in retirement, try this exercise. Visualize yourself in retirement and break out your anticipated expenses into “needs,” “wants” and “wishes.”  Your needs are your foundational floor and should include your day-to-day expenses for food, shelter and health care. Your wants are your discretionary expenses for things like travel, consumer goods and recreation. Your […]
January 21, 2018

25 Questions to ask when Buying a Life Insurance Policy

Once you make the decision to buy life insurance, selecting the right life insurance company and plan is extremely important. The following are 25 questions you should ask, as you consider what company to do business with and what plan to buy. 1. What is the insurance plan monthly and annual premium? Premiums can vary greatly depending on the plan and […]
January 21, 2018

25 Things to know when looking for a new Health Insurance plan

The more informed you are when selecting a new health insurance plan, the better decision you will make for yourself and your family or dependents. Whether you are in the market for a new health insurance plan during open enrollment or during a special enrollment period from having a life event, the more you know about a plan and how […]
January 21, 2018

7 Reasons why Homeowners should obtain a Home Insurance Quote every 2 years

Homeowners should obtain a new quote for their home insurance every two years. This will enable you to maintain the proper amount of coverage and do so without overpaying. Home insurance protects a family’s most valuable asset and, in many cases, most of their personal belongings. Obtaining the optimal level of insurance, without overpaying, should be a homeowner’s objective. Obtaining […]
January 21, 2018

11 Things to Consider when Buying Commercial or Business Insurance

If you are a business owner, whether you drive for Uber and/or Lyft, own and operate a small restaurant or even build homes, you will need to make sure that you have an adequate amount of business insurance to protect both your personal and business interests.  Often times, someone will start a business and unless it is a licensing requirement, […]
January 21, 2018

8 Tips for Lowering your Small Business Insurance Premium

1. Background checks on employees: minimize risk of theft or malfeasance.  One of the biggest drivers of higher premiums is claims.  If you can go a full year or longer without the need to have a claim, your rates will go down.  Make sure you hire employees without a criminal background to reduce your potential risks.  Remember that claims can […]
January 21, 2018

What Should You Do If You Can’t Afford To Pay Your Car Insurance Bill?

Sometimes life throws you a curveball – you lose your job, are hit with a big medical bill, or need to pay for legal fees. Whatever the reason may be, you suddenly cannot afford to pay for your car insurance premiums and you need to know what your options are. Fortunately, you’ve come to the right place. What Happens If […]