Archive for category Income

Disability Insurance Isn’t Sexy!

    We are constantly bombarded with stats about dwindling Social Security funds; especially as they relate to retirement – but what about disability? Every bit as important, disability funding is more relevant for working people because it is a benefit that may help you now.   According to statistics sited in National Underwriter Magazine, […]

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How to Interview a Planner

  Staying away from illegal interview questions is vital according to a recent CBS News blog. Do not screen people for: race, color, sex, religion, national origin, birthplace, age, marriage and disability status. You can, however, “re-work some legal alternatives”.   If you want to know how old someone is, ask them if they’re “over […]

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What if you couldn’t work and pay bills?

    According to statistics provided by the Social Security Administration, 3 in 10 workers entering the workforce today will become disabled before they retire. If that stat isn’t staggering enough, consider the fact that 71% of Americans would find it very difficult or somewhat difficult to meet their current obligations if their paycheck was […]

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The Top 2 Things You Can Do To Battle Market Fatigue

  You need only turn on the TV, radio, or skim a newspaper to realize we are right in the middle of some challenging economic times. The BIG question is what can we do when our individual abilities to change the quagmire we’re stuck in is minimal? Here is the shortlist.   #1 Look at […]

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Segregated Planning for Life and Death

  Death and dying is definitely one of those subjects none of us likes to talk about; equally so with funeral planning. I will admit, it hadn’t been on my radar until my wife and I recently went through the process of shopping for and pre-paying my in-laws’ funerals. It was an eye-opening experience both […]

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The Most Costly Mistake

  According to a new report, “The cost of long-term care services continues to rise”. I don’t think any of us would consider that to be a newsflash by any means; quite the contrary really. Rising healthcare costs are and have been a nationwide topic du jour for quite some time. Why would long term […]

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College Saving Misconceptions

    Scholarship Relief Parents are often off base when planning for their child’s college education funding. For example, 56% of parents expect scholarships to help pay for college. In actuality, the largest percentage of students receiving scholarships in any year between 1999 and 2008 was 6.9% Therefore, if your plan is to have your […]

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Economic Rebounding: Use the Rule of 72

  The economy is slowing turning around, albeit much slower than most of us would like to see. Rebounding from devalued investment, savings and/or retirement accounts  continues to be a challenge. Learning The Rule of 72 is one of the best tools you can embrace for help in putting a rebound plan together.   Simply […]

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Retirement Confidence Survey

  Up three percentage points up from an all time low in 2009, the percentage of American workers who feel “very confident” that they will have enough money for a comfortable retirement is 16%. Not to play Devil’s Advocate, but we really need to rephrase that: 84% of the American workforce doesn’t think they’re going […]

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Protection 101

Today marks the first day of a new job duty for me, blogging. (In my wildest imagination never did I think I would become a blogger). Naturally, my first challenge was to decide what to write about. When it comes to basic financial planning, what has the most impact on most people? The answer is […]

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