This article is meant to be an introduction to the use of life insurance in a tactical and specific way. There are countless nuances in policy construction and features, as well as the individual need...

Probate can be a complex process depending upon the amount and value of the assets in the estate, the debts owed and the number of people involved. It is important that you know what to do and what no...

A power of attorney utilized by the right person in the right situation(s) is a very helpful and effective tool. Unfortunately, many people sign a power of attorney without proper guidance from an att...

There are many factors that go into deciding whether your family is best served by a will-based estate plan or a living trust. Making the right decision can save money, hassle, and heartache. Like mos...

Leaving assets to heirs can be a tall task for people. There are often numerous considerations that need to be addressed, including whether to leave assets in trust or whether to leave those assets ou...

A competency evaluation team includes medical professionals and clinical psychologists who evaluate a person's cognitive functioning, memory capacity and reasoning capability. These factors are import...

Though setting up a living trust may seem complicated compared with a will, ultimately it may provide you and your loved ones with more options when it comes to planning for the future. Because estate...

When bringing up the topic of getting a postnup, always remember that this is a financial plan for your future; to protect the finances you and your spouse have acquired since being married. Always ma...

Writing a will is an emotionally fraught issue. For many people, making sure their relatives and loved ones are taken care in the event of their demise is essential. Though there are myriad issues and...

A prenup is what you make it. It can be simple, straightforward and equally protect both parties. It can be used simply as a planning tool to expedite a divorce, or it can be used to protect only one ...

Determining what should happen to your pets if you become unable to take care of them is an important and often overlooked part of estate planning. If you think of your pets as members of your family,...

Even if you desire to leave all of your property to those who would be considered your “heirs at law,” a simple self-proving will appointing an independent executor will streamline the probate pro...

This article discusses some of the most important estate planning issues to be concerned with for newlyweds. If you need further help, you should contact an estate planner or an attorney who is experi...

Simple steps can be taken to protect your minor children should something happen to you. Updating your will by appointing a guardian, creating trusts, and appointing trustees can ensure that your mino...

Beginning the pre-planning process presents several choices to consider. A good start is by searching online for a funeral service that suits your needs. Simply making an appointment at a funeral home...

Like any other professional engagement, the biggest problem is often finding the one you are comfortable with and who possesses the skill and knowledge to address your situation properly. The list of ...

Don’t feel that setting up an estate plan when preparing for a baby is one more burdensome item on your list. Embrace the moment but think about how you’ll want your spouse and new addition taken ...

There are many shapes and sizes of estate plans, from basic to very complex. Finding the one that is right for you takes some thought and planning, but is not that difficult to do. Approach the proble...

Compile and evaluate all of your assets and think about how you’d want them safeguarded after you’re gone. Think about how you’d like your spouse and kids cared for. Finally, consult with an att...

Receiving an inheritance leaves most people feeling overwhelmed and confused. Figuring out how to manage it can be financially and emotionally draining on something that should be a real blessing. Pla...

An estate plan is a personal thing, so make sure your assets go where you would like them to after you’re gone. Trusting those who are put in charge of caring for those assets is important and you s...

Funerals are meant to provide ceremony around the loss of a loved one, which will help those left behind to grieve. Grief is a complicated and difficult emotion, so helping families walk the path of g...

The purpose of a funeral is to celebrate a life well-lived. Choosing the right casket is just part of the funeral experience, but it can be one of the most overwhelming given the sheer number of optio...

Creating a legacy for your family is important. If you want a will or trust that will ensure that the wealth you have created is passed to the people you want, they way you want, with the least cost a...

Taking the time to understand your options and to set up non-probate options such as revocable trusts, TOD accounts, or lifetime gifts can protect your privacy, simplify your estate administration, an...

Planning and creating a will is an important step in your life, and it is not one that should be taken lightly. However, it does not have to be daunting or depressing. It can be an assurance that your...

The next few months (and years) will be a transition period in many different areas, including your finances. Get organized and recruit professionals, family and friends to help. Tackle the time sensi...

These are a few general do’s and don’ts for a new parent to consider, but certainly not a complete list. Consult with experienced professionals for guidance in how to make the best plan possible. ...

So once you have completed your estate plan, give yourself kudos! You have done what so many people fail to do—even the rich and famous. As you begin to work on your estate plan, make sure that it i...

The above advice demonstrates the importance of taking time to reflect upon your assets, communicating with your loved ones, and understanding some of the considerations prior to having your will prep...

Developing an effective retirement strategy as early as possible helps ensure you have lasting financial success. You can have more peace of mind that you’ll actually be able to retire when you want...

Lifetime Income Annuities, also called Single Premium Immediate Annuities, provide an income stream that you can never outlive. You can use that contractually guaranteed payment to help budget and cov...

Lifetime Income Annuities (aka: Single Premium Immediate Annuities) are the purest form of “transfer of risk” annuity strategies available to the public. These products are contractually guarantee...

Self-direction as a retirement wealth-building strategy can be a great way for savvy investors to take control of their investments with alternative assets they already know and understand. It is cruc...

There you have it. By sticking to these simple and straightforward guidelines, you’ll be well on your way to planning for your retirement years successfully....

Failing to take NUA treatment into account is the #1 mistake people make with respect to their qualified retirement plans. If you own employer stock in a 401(k), ESOP, or other qualified plan, be sure...

Whether you feel like a 401(k) plan or IRA is right for you, it’s important that you have a firm understanding of what both options bring to the table. Take the time to consider every angle and stay...

So, what is the end result of setting up and funding a small business retirement plan? Well, nothing beats the happiness of a small business owner who is able to retire and have a bucket of money allo...

When it comes to retirement planning, don’t delay. Start planning today. If you stay on top of your future healthcare costs, you will not only gain confidence from being prepared, but you can relax ...

Whether you’ve been saving for retirement for 20 years or you have your head in the sand when it comes to putting money away, it is important to remember that it is never too late to start and there...

Don’t ever allow yourself to fall into the mindset that you have the rest of your life to save for retirement. The sooner you start saving, the brighter your financial future may be. Make a commitme...

Fixed indexed annuities are a wonderful way to balance out a retirement portfolio because they are a low-risk insurance product that increase with index growth and are protected from market volatility...

The retirement landscape is shifting, and it’s important to understand what you need to do to ensure your retirement savings is secured. Use these tips to protect your future....

A wide variety of factors will determine the optimum strategy for claiming your Social Security benefits. Everything from age, health, income, and even marital status can have an impact. Periodically,...

An annuity is a contract between an insurance company and an individual in which the insurance company makes a series of guaranteed income payments in return for premium from the individual. The retir...

We have created the basic tool—the budget—to provide you with a guide to your financial health. Life spans have increased; therefore, retirement funds need to last longer. A budget is not written ...

Financial planning is a lifelong process, and the sooner you get started, the better. Planning ahead means you will not only have a more comfortable retirement, but you also may be ready to retire soo...

The big enemy to your retirement savings plans is the fees many traditional plan funds charge whether you are aware of them or no. While seemingly small, these fees have significant impact on your sav...

As you can tell, planning for your retirement as a couple is a multi-faceted and complicated effort. It should be a wonderful time of your life together, but without looking at that picture from diffe...

Deciding when to take Social Security is an extremely personal decision and can ultimately be a very difficult one. It’s important to weigh all of the factors and consult your financial advisor in o...

Taxes can be one of the largest items in a retiree’s budget. However, taxpayers can use a combination of annual and long-term planning in order to keep their tax bills to a minimum and to maximize t...

Retiring abroad should make sense both financially and personally. For many, moving overseas provides lower healthcare costs and a higher quality of life. Before making this Money Milestone move, make...

There are many strategic moves - none of which are a complete answer - that seniors can take to ensure that they don’t run out of money. It requires discipline, strategic planning and an approach to...

An unexpected retirement after being forced out of your job can be unsettling, but it’s not impossible to remedy. If you have prepared as best you could for your planned retirement date, you will ha...

By following this advice, families can take control of their finances and help give their children the best possible start in life. After all, as parents, we often say our kids are our biggest reward....

The day you step into retirement, your entire financial life collapses down to one issue, and the issue is perfectly binary. There are only two possible outcomes, and they’re mutually exclusive. On ...

Having parents or elders age forces conversations between parents and children around elder’s wishes on housing, care and end of life directives. These can be uncomfortable conversations but are nec...

Many of these suggestions are common themes in successful communication between adults. Mutual respect and courtesy is a must, and developing new skills, along with practice, is a constant. The reward...

This can be a tough time in your life, and your parents won’t make it any easier on you if you don’t know how to approach them about it. Enlist the help of a qualified elder care manager and don�...

Finding long term care for your loved ones is not something to be taken lightly. There are many options and it’s important to know the wishes of your loved ones and to be informed about the differen...

Talking with aging family members about difficult life issues is not easy. But mapping out the conversation ahead of time and avoiding major pitfalls can make important family discussions more positiv...

Reaching out for love and support can be a sure-fire way of sustaining yourself as a caregiver and the well-being of your loved one. When done mindfully, respecting your own needs and preferences, as ...

As a caregiver or family member of a depressed older person, make it your responsibility to get involved. You can make a significant difference and remove or lessen the holiday blues for seniors suffe...

After conversing with a loved one’s doctor or care provider and determining what type of care center is most appropriate, a family can explore options within their community that fits their budget a...

Together we can work toward making a difference in the overall well-being and preservation of dignity of the elders in our communities, who, indeed, are deserving of our care and respect. Help your el...

Caring for aging or sick parents can bring rewards, but it also comes with challenges. Take the steps to assist your parents in getting their legal documents in order before caregiving becomes require...

Move while you are the one in charge. If you put in the work up front, during the planning and sorting phase, your move will be much smoother. Let experienced movers, such as Senior Move Managers, ass...

Depression is the most common mental illness affecting seniors, and the signs should not be ignored. In fact, the elderly have the highest rate of suicide out of all age groups. While today’s treatm...

Responding to the needs of aging parents is a difficult and emotional process for everyone. Adult children need to communicate clearly and directly with the parent while being respectful and caring. A...

Mom and dad have made the decision to stay at home instead of moving to a assisted living facility. You know that in order for them to be safe and comfortable they are going to need assistance. Home C...

Alzheimer’s affects more than 5 million Americans, and the disease has an impact on the entire family. While adult children become caregivers for aging parents, young children and teens need support...

Aging does not necessarily mean a person's driving days are over. However, it is vital to ensure the safety of your loved ones on the road. This begins with learning more about how to detect problems,...

Having parents age and fail is unsettling emotionally and disruptive in many other ways. Caregiving can be extremely taxing and very tricky to navigate, but it can be deeply rewarding. A major key to ...

Keeping these simple guidelines in mind will not only help improve the relationship you have with your parents, but it will also ease the stress that invariably accompanies changing roles. We all want...

There was once a hospice patient who was the stereotypical Italian mama, who cooked all day, everyday, and for whom every problem could be solved by lasagna or tiramisu. As her breast cancer advanced ...

Elderly hospital patients have special medical, emotional and legal interests that must be protected. Often they are too weak, ill or confused to speak up for themselves. Family members, partners or c...

It is vital to help your aging parent hear and communicate better to enhance your family's overall quality of life. Improving communication will reduce frustration and emotional fatigue for everyone i...

Breast reconstruction is complex. It requires time, energy, and patience. There are a wide variety of options - implant or tissue. Do your homework. Seek an experienced, board-certified reconstructive...

If you or a loved one is going through this difficult process, talk to your physician about steps that can be taken to ensure you receive your confirmed biopsy results. With the emotional, life-changi...

There are many benefits to utilizing acupuncture therapy along with traditional Western medical treatment. Further research, education and clinical trials are being conducted to continue the validatio...

Lymphedema is a common problem when it comes to mastectomy for breast cancer treatment. A lot of times the problem doesn’t show up right away and may take years for it to become apparent. Lymphedema...

It’s important to remember that you are not responsible for making a diagnosis! Your task is to identify any suspicious lesions and have your internist, family physician, or dermatologist check them...

When first diagnosed, it can be an overwhelming experience; however, taking the right steps to breathe, learn and release emotion, as well as find ways to exude your personal style, will lead to a str...

Hundreds of thousands of women are diagnosed with breast cancer and begin treatment each year. While the discovery of a positive diagnosis can be difficult, choosing a treatment option doesn't have to...

The bottom line with patients undergoing cancer treatments and in need of cancer rehabilitation is to know yourself and your symptoms. Talk to your doctors, therapists, friends, etc. Develop and keep ...

Ensuring that you are ready for surgery also involves ensuring you are prepared for aftercare. Following your surgeon’s aftercare instructions is important so that you are able to heal properly with...

Proton therapy can be an ideal treatment for prostate cancer for a patient who is looking to avoid surgery or spare surrounding healthy tissue from damage that might occur during standard radiation tr...

This may be recommending dramatic changes from normal life, but getting cancer (eventually) is very normal. If you want to reduce risk you have to move from normal to optimal. That’s the science. Ev...

The best way to prevent medical errors from happening is to take an active role in your care and the care of your family. Following these tips and being responsible will help to keep you and your fami...

Cervical cancer is a preventable disease and is treatable when discovered early on. Regular screening and understanding the symptoms of this disease are the best way to stay healthy. Making sure the w...

Being there for a loved one with cancer isn’t always easy, but being genuine, caring and thoughtful in your efforts to support them will help make the difference. While there’s no rule book to thi...

Your skin is your body’s largest organ, so make skin health a priority during all months of the year. It is vital to take the lead in your skin health, educate yourself and your loved ones on sun sa...

Your skin is the largest organ in the human body. It is the site of the most common type of cancer, skin cancer. Your dermatologist is uniquely qualified to diagnose and treat all types of skin disord...

Lung cancer can be extremely difficult to detect and treat, which is why it is the leading cause of cancer death in the U.S. While screening options are limited, it is important to follow up with your...

Everyone is different, their treatment for cancer is different and they react to chemotherapy differently. Your health care team wants to help you have the best possible experience. Keep them informed...

A cancer diagnosis can be devastating for anyone but now there are treatment options for cervical cancer that are very encouraging. Under the guidance and care of a gynecologic oncologist, women can c...

The skin is the largest organ we have so we need to remember to protect it. Most skin cancer can be prevented with proactive protection. Follow this advice for your best chances for preventing melanom...

If you are facing treatment that could harm your lymph nodes, it is good to know that you have resources and qualified experts to help you learn about and manage lymphedema. If you think you may be at...

After being diagnosed with cervical cancer, it’s essential that you take time to understand your diagnosis, talk to your doctor about treatment options, find systems of support and treat yourself ri...

If you are diagnosed with cancer you must take the time to survey your feelings and see how the diagnosis is really impacting you. Once you understand your feelings of stress, anxiety, or depression, ...

Remember, your anesthesiologist is most likely a board-certified physician, just as your surgeon is. There’s every reason to entrust your anesthesiologist with your total care. But it’s also smart...

Ovarian cancer treatment is very challenging. You will not have recovered from the surgical procedure when the chemotherapy has starts. After the completion of all your treatment, it may take up to 12...

Pain management is a branch of medicine focused on reducing pain and improving quality of life through an integrative approach to care. Pain management is particularly important for cancer patients, c...

One in five Americans will develop skin cancer in the course of a lifetime. There are easy ways to prevent skin damage. Installing high performance window film in your car, home and workplace and regu...

Being diagnosed with ovarian cancer can be overwhelming, but if you take the time to understand your diagnosis and find the right doctor you can better manage your treatment. As an ovarian cancer pati...

Making a decision about changing a relationship is one of the hardest things that people do. When there are kids involved, that decision making process is even harder. Give yourself the time that you ...

Finding the opportunity, and the courage, to spend time alone with your partner isn’t easy for many parents. Not only are there the very real demands of modern family life, fear and hesitation may b...

Most long-term couples - especially parents - go through periods when their romantic life loses its vitality. While it can be pretty distressing, try to regard it as a normal stage in the life span of...

Remember, the one who apologizes or gives into their partner is not admitting they are wrong, but supporting their relationship over their point of view. And true love always overcomes self-righteousn...

You want to pick a marriage counselor who has a good amount of experience and who focuses on marital issues as his focus of work. It is also important to get a counselor who will help you experience c...

Strengthening your marriage is a necessity, not a luxury. Marriages cannot afford to be in an inert or status quo state. We need to work on ourselves and the relationship to get the most out of it. As...

Meditation, being mindful, and appreciative will improve all aspects of your life and relationship. Just like going to the gym, the most important thing is to start and be consistent, and all the bene...

You may ask yourself, what can I get out of couples therapy? The answer lies in what you are hoping to learn about yourself, your partner and/or your troubled relationship. People go to couples counse...

Many couples will make changes in their lives for the sake of their children before they will do it for themselves. But having a thriving, robust sex life is possible when you have children. In fact, ...

Most new parents feel daunted by the difficulty of keeping their sex life alive. Faced with the multitude of challenges that come home with the baby, it can feel like an unsolvable riddle. But with so...

The Maybe Factor: If it’s a family heirloom, all bets are off and a whole new set of rules apply.Prevention is always best. If you slip your partner hints from the beginning, most of this could have...

Emotional connection is an essential ingredient in a healthy relationship. It is built and destroyed by the way you handle little everyday things. As the saying goes “The devil is in the details.”...

Intentional acts of love, kindness and sensuality stimulate the part of our brain that thinks, “Yes, I am a sexy person and not just a parent.” These small connections may not be explicitly sexual...

Whether it’s a special watch, cufflinks or a ring, there are many unique jewelry pieces that you can purchase for your husband on your first wedding anniversary. Consider these tips to find the perf...

Creating traditions of connection in your relationship is vital for building a lasting bond. Work with each other on introducing and nurturing behaviors that will put you back on the path towards each...

Sustaining long-term intimacy is real and attainable. By following these steps and making a commitment to practice, you can achieve new levels of happiness and fulfillment with your partner and in you...

From understanding diamond grades to knowing your lady’s preferences, from asking if a diamond is color treated to watching out for simulants, it’s important to have background knowledge before yo...

The power to create a successful marriage lies in our very own hands. Divorce can truly be avoided if we each do our part to foster a climate of love, devotion and commitment. We must recognize the pa...

Valentine’s Day is about celebrating your relationship, and expressing your love. It’s the thoughtful little things that show you truly care; so swap the pricey present for a new experience togeth...

Being a parent is tough. But it doesn’t have to interfere with your marriage. Parenting and marriage should both be fun. And if one is causing problems for the other, that’s a sign that you are do...

Acknowledge, address and resolve your issues in and out of the bedroom. We all need more fun in our lives. So beginning today, talk to your partner and jointly make a decision to take whatever steps a...

Even if your relationship is on a rocky road at the moment, smoother sailing can be just ahead. Strengthening your communication skills and making time to connect every day will go a long way to impro...

A change in scenery and pace creates the opportunity to change your perspective. Getting out of your routine shakes things up and helps you rediscover and rejuvenate yourself and your relationship. Th...

It is possible that you are one of the millions of couples whose relationship is on the rocks because of undiagnosed adult ADHD. If you think you detect symptoms of ADHD, such as chronic distraction a...

Grieving is a very complicated and difficult process, especially for children. It is our wit and our wisdom that help our children, and us, through the passages of grief. It is in our grieving that we...

There is no life without loss. Helping children navigate death and loss is extremely important because they are beginning to assimilate new information, which can be painful. The role of parents is to...

Talking to your children will not be easy, but if you are honest and thoughtful, it will be one of the most meaningful conversations you will have with your child. Children grieve and when we give the...

Bereavement is a universal loss. While many are resilient in the face of loss, individuals on the autism spectrum may not always be so resilient as their neurotypical counterparts. It is important to ...

When we as parents must face the painful realities of death and illness, we must first understand our own emotions and manage them. Central to good parenting is the ability to be emotionally supportiv...

Do children grieve differently than adults? Ultimately, the answer is best summarized by the phrase, “monkey see, monkey do.” But it doesn’t start out that way. Children respond normally and nat...

When you are grieving the loss of a loved one or a pet, it is difficult to cope with your personal grief, while also helping your children cope with theirs. Reach out to support systems, attend suppor...

There are rarely any easy answers when circumstances for seniors change quickly due to illness or injury. The best approach for adult children is to gather as much information as possible, turn to tru...

Choosing a caregiver for your parent is an important decision, and it can be an emotional one as well. The caregiver that you choose assumes a great deal of responsibility; he or she becomes a part of...

This may seem pretty serious and business-like, but when you think about it, the business of life is very serious and your future independence relies on it. You have earned your seniority position in ...

Fall prevention is protecting our seniors. This issue has become such a meaningful matter that our Senate has passed a bill making September 22, National Fall Prevention Awareness day. We don’t want...

Today’s healthcare options range from home care and medical alert systems to assisted living and skilled nursing homes. When choosing the right care option, it’s important to consider your health ...

Aging is inevitable, however, old age is optional and personal. It depends on your state of mind and your beliefs about aging. Becoming a vibrant youthful thinking independent 80 year old is far more ...

You can choose to view your move to an assisted living facility as a life sentence or as a new chapter, brimming with possibilities. The way in which you view your circumstances is your choice to make...

Everyone is different and has unique support needs, so the biggest piece of advice I can offer is to ask a lot of questions and get to know the individuals and companies well before committing to them...

Choosing a caregiver agency can be a daunting prospect, but the information presented here should provide a checklist to make the interviewing and selection easier.The main things to remember are that...

Supplementing your diet with the correct amount of vitamins and other dietary supplements is key in optimizing your health, especially at old age. Make sure you get your fill of omega-3 fats, probioti...

So as you can see, most of this advice is about living with love, and in the present moment. Whether we’re living a normal life in normal time, or whether we’re in the end or last stages of life, ...

Those of us who have coached clients know the extraordinary impact coaching can have on people’s lives. Be committed to having a fulfilling life and don’t settle for anything less. Feel empowered ...

While no one likes to talk about these issues, it is critical to have a legal and financial plan in place. There are many situations in which a medical crisis occurs, and while last minute planning ma...

The secret to aging gracefully is taking good care of yourself as you age. Drastic measures like plastic surgery can be avoided by taking the right steps to stay healthy, strong and lean. The sooner y...

The above material hopefully has help you see how your spiritual life can greatly expand through the hospice experience. Let’s all take the time and energy to dive deeper into our spiritual lives an...

Medical advances have made it possible for us to have a much longer lifespan. We all know we should eat a healthy diet, exercise regularly, and control our stress, but now there is another factor to c...

There are still many questions that need to be answered about PD related to causes, diagnosis, symptoms and treatments. Studies and clinical trials are being conducted around the globe. It is imperati...

There arguably is no more compelling example of compassionate care in our healthcare system today than hospice. Hospice staff and volunteers can be angels on earth, whether they are providing care in ...

It is very important that you take your medications as prescribed, on time, and in the correct dosage. It is also equally important to ensure you are taking the medication you are supposed to be takin...

Assisted living communities provide a wonderful option for seniors to maintain as much independence as possible, with the security of knowing that, as their needs change, they can receive support and ...

The prevalence of Alzheimer’s disease in our country is increasing rapidly. It is critical to understand the distinctions between normal memory loss associated with aging and very specific impairmen...

While researchers and scientists focus on finding a cure for dementia, the person living with the disease is often left out in the cold. Technology, when delivered appropriately, can be a huge tool in...

Aging well is really all about being happy and healthy at each stage of life. No age is better than another and being young is no better than being old- each one has its charm. You are the creator of ...

Home care is right choice for millions of Americans to help them stay in their homes for many years safely and comfortably. Often times this option is more cost efficient than skilled nursing homes fo...

Follow this advice for a healthier heart and healthier you. Instead of viewing these guidelines as a new diet, instead try to make changes that become incorporated into your healthy eating lifestyle. ...

Reducing your sodium intake doesn’t have to be difficult, but it will require some small changes in how you buy, prepare and think about food choices. Try implementing these simple steps to see your...

Heart failure is a chronic medical condition and has become a major burden on our healthcare system resulting in multiple hospitalizations annually. Heart failure is also generally a progressive disea...

Our emotional health is intimately tied into our physical health. Every thought and every emotion leads to the instantaneous cascade of neurotransmitters and hormones that either orchestrates a benefi...

Atrial fibrillation can hijack a person’s life. The heart beats irregularly and can affect everyday living, making even small chores, such as carrying a basket of laundry up the stairs, difficult. N...

PAD is a prevalent disease but can easily go undetected and untreated. Make sure to take charge of your health as a patient and consult with your physician if you experience any symptoms, even if they...

Achieving an optimal lifestyle is a key part of improving heart health. With such pleasurable and easy changes as adding chocolate to your diet, getting enough sleep, and laughing, following this pres...

Engaging in sexual activity following a heart attack is safe and even healthy when precautionary measures are taken. Work with your doctor to better understand your health status and physical capabili...

Small changes can reduce your risk of heart disease stroke and cancer. Keep a positive attitude, engage a buddy and start today to make healthy choices. You’ll love the way you look and feel. Rememb...

When managing your HSA, you should always keep in mind the fine print. In particular, it is important to be aware of your deductible, your maximum out of pocket payment, and your annual contribution l...

Income protection is important because your income is important. Your ability to earn an income is the basis for your standard of living, your financial goals and your retirement savings. Look at it t...

Good travel insurance coverage shouldn’t cost you a fortune. In fact, you should expect to budget no more than an additional 7 to 8 percent of the cost of y...

Travel medical insurance is an integral part of your next international vacation. Make sure you go over plans carefully and ensure that you are getting the best deal and coverage for your specific tra...

In reality, long-term care insurance policies are expensive but we can’t disregard the fact that they are very valuable. Getting one for yourself or for a loved one ensures that the beneficiary will...

FSAs or Flexible Spending Accounts offer a valid and easy vehicle to utilize pre-tax dollars and achieve significant tax savings for common eligible expenses. Given the wide array of eligible expenses...

Since the late 1970’s, we have been conditioned that health care should be free or almost free. Consumer’s wanted low-co-pays and low premiums. With the advent of an amazing amount of medical adva...

As you can see, travel medical insurance is an integral part of your next trip to study abroad. Just as important as broadening your educational horizons, so to is making sure your health and wellness...

For many of us, dogs and cats are not just pets – they’re members of the family. While every parent wants to provide their pets with the best care possible, sometimes the high costs can force you ...

Following this suggested advice should give you a good idea of what the costs are and which long term care option works best for your particular situation. Every person has different needs, but it is ...

The ACA aims to transform the U.S. healthcare system, and has already expanded coverage of young adults, eliminated lifetime limits on what insurance will cover, lowered the cost of drugs for seniors ...

Young, health Americans make up a large percentage of America’s uninsured. In fact, 16 million young adults are uninsured in the U.S. Under the Affordable Care Act, 82% of them will qualify for fede...

Heathcare could bankrupt this country as it has millions of Americans. There is still no real assurance that you can avoid a catastrophe if something unexpected happens. But if you do the best to prep...

Alzheimer’s is a debilitating disease that is on the rise as the baby boomer generation reaches retirement age. It behooves Americans to prepare for this disease by making sure the proper insurance ...

Long-term care insurance is an important part of an overall financial plan, especially for women. By doing a bit of homework, you can be prepared and put a plan in place to cover any future long-term ...

You may not think of disability insurance as a necessity for your career but disabling sports injuries seem to be happening with increasing frequency. The benefits from this insurance will keep you an...

Health insurance and the cost of medical care can be intimidating, but there are creative ways to save money within the system. To learn more about your health insurance options and what the health re...

Insurance has become an important part of life, as it should be. The likelihood of disability or a significant injury increases every year, not to mention disasters that can destroy your home in a spl...

Not everyone needs a long-term care insurance policy but it always pays to be well informed. Get in touch with your insurance agent or a trusted expert to talk to you about your current insurance need...

Many states offer a list of websites and companies you can go to with questions regarding a LTC insurance policy. By taking the time now to decide on your long-term care, the more stability and comfor...

Many veterans are eligible for benefits and services as a result of their military service. Although the process can be frustrating, there are a lot of options that can help you work through it to rec...

When a health insurance claim is denied or delayed, it only adds to the existing problems for customers. That is why it is so important to know what your policy covers and the steps you can take to he...

If you were to become disabled or ill for a long time, hopefully you and your family would be taken care of. However, if you're uncertain of your financial situation, now is the time to cover that ris...

These are not the only insurance policies out there. Have someone guide you through which policies are the most important for you to have upon graduation and save the others for when you have the stab...

Parents want to protect their young ones in any way possible, which means not only protecting the kids with insurance policies but also the parents. Get in touch with an experienced insurance agent so...

Life insurance is a product that has been helping to provide financial stability to families and their loved ones for decades, during challenging times of grieving and loss. This article has discussed...

Whole life insurance can be the heart of a strong, full financial plan. Bought properly and structured appropriately, it can serve both the insured and their beneficiaries safely throughout their life...

These guidelines will help in making one aware of a few aspects in selecting a whole life policy, but it is imperative that one seek proper financial counsel to ensure that one’s financial objective...

This article is meant to be an introduction to the use of life insurance in a tactical and specific way. There are countless nuances in policy construction and features, as well as the individual need...

Understanding how insurance will factor into a wealth plan is an important part of any financial or wealth planning process. In many instances, insurance will be the most effective strategy for protec...

Term-to-100 Insurance is a very simple product, and is one of the more affordable types of Permanent Insurance available. Although it is simple, care and proper planning must still go into selecting t...

Permanent cash value whole life insurance can be a complicated product, but as long as it is structured properly and the right fit exists within your personal situation, it can prove to be a great add...

Everyone wants to protect and give their family financial security in case of an unforeseen disaster. Life insurance is one of the most convenient methods to achieve this goal. But, which life insuran...

Many people find life insurance too complex, and they put off the decision of buying a policy. Let’s face it, who wants to think about their death? However, life insurance is the cornerstone of any ...

Without adequate life insurance to protect your dependents, they will surely be left behind to fend for themselves while facing the burden of certain financial hardship. Term life insurance is the lea...

While life insurance is not a glamorous purchase that you can show off, it provides money for your family to carry on without you when it is needed most. It means your spouse is not working day and ni...

Term life insurance is the right product for a short term protection need. It also gives you significant coverage when wealth and cash flow do not allow a permanent insurance solution. However, in the...

Make sure your life insurance policy has a “convertibility” feature to give you options down the road. Always purchase your term insurance with the “Waiver of Premium” rider in the event of a ...

The best time to purchase a term policy is right after you are married and have some assets and definitely after the birth of a child. In deciding the dollar amount and time period for the policy, you...

As society lives longer, insurance companies have become more apt to approve people that have a pre-existing health condition. Work with an experienced agent that has experience in impaired risk life ...

Regardless of the type of life insurance you want to buy, the most important factor to consider is how much life insurance your family will need if the primary income earner were to die unexpectedly. ...

For most people the life insurance they own at death can be their single largest estate asset. Making certain that the proceeds are paid correctly and to whom you want is critical for the successful t...

Permanent life insurance is a self-completing accumulation vehicle used by those who understand how it fits into their overall financial goals for a lifetime full of changes and milestones. The level ...

If you are looking for a life insurance policy but pose a higher risk than a standard adult, you’ll need to take a few extra steps to ensure you get the best coverage at the best possible rates. It ...

Applying for life insurance with prostate cancer takes patience, and it is important to be informed of what to expect when applying for life insurance coverage. Despite popular belief, affordable life...

As life expectancies increase, life insurance companies are more likely to accept a policy from an applicant without having to undergo a health exam. When you work with an experienced life insurance b...

This article is meant to show some of the different options that are available to contract holders. Although most carriers offer the product, many also offer other types of specialized benefits that p...

By staying in constant communication with your billing office, paying the debt off slowly, and researching assistance programs, you can pay off your large medical debt easily. Keep in mind that paying...

Other kinds of small print can also harm your finances when you sign one of these forms. Always read before signing, and ask the right questions, to help protect your family budget against possibly un...

Many factors can affect your health care experience including your doctor’s financial policies. Be vigilant and aware of unclear language or mistakenly waiving your legal rights. If you find yoursel...

Having a medical procedure or test can be intimidating in and of itself. Take the time to understand how your insurance plan will cover the service and or your financial obligation. Communicate with y...

Large medical bills can be a huge financial obstacle, especially if you’re dealing with an ongoing medical condition or recovering from serious injury. But by being proactive, doing your research, a...

Perhaps you’ve already noticed, the most important thing we need to do when we’re grieving is to love ourselves deeply. This is easier for some and not as easy for others. If we already know ourse...

I hope that this discussion of an admittedly difficult topic helps. Perhaps the best reaction to suicide is re-dedicating our lives to creating a better world in which those who are suffering so have ...

There are many ways to use your memories to help yourself through the loss of a loved one. You can enjoy thinking about the happy memories, and you do not have to stay angry, sad, or have regrets. Goi...

Groups that are created to support and provide community for those dealing with grief make an important impact. There is one constant in the journey of someone who has lost a loved one: something big ...

While grief is often described as a “process,” the truth is the process is never the same for anyone. Just as our interpersonal relationships with friends and family are different and ever-changin...

Knowing how to start this important conversation and what to say and what not to say can help ease your own fear and anxiety during this time. Odds are you are also grieving over this diagnosis or los...

While you may feel awkward in knowing how to respond when a friend loses a loved one, this is a time when you can show your support and true friendship. Ignoring the death is the wrong reaction. Keep ...

The journey of young widowhood is not easy. However, there are many healthy ways to cope with your loss that will help you move through it and even uplift you. Reach for support when you need it, spea...

Can you recall all the love, intellect, caring, humor and other positive qualities of your departed loved one? All that continues on beyond bodily death! That’s the great news that will help you get...

Supporting a loved one through their grief journey can be challenging. You might feel a bit lost at times and unsure about how to best offer support. There are many tips and tools that can help you as...

The second year after the loss of a spouse is a time of change. Grieving takes second place to refiguring and rebuilding your life. This is a time to not only reclaim your life and refocus on a new, s...

At first it’s hard to make the transition to a new ‘you’. It requires not feeling guilty for smiling again, laughing again….to face your fears head-on by taking risks again. Above all else, th...

Coping techniques may help you emotionally after someone dies. Help yourself by learning to identify what normal grief reactions are and then utilize the coping techniques that best work for you. If y...