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...

With the right plan in place, you can secure your financial future in spite of the chaos of our current economy. The key is to build good financial habits to replace the bad ones that landed you in fi...

Paying down credit card debt on your own is possible for many people. Instead of feeling overwhelmed, start by creating and using a simple monthly budget. Then choose either the avalanche or snowball ...

Learn how to create a strategy that helps you avoid depending on credit cards and racking up too much debt during the winter holidays. With careful planning and the right amount of preparation, you ca...

With just a little effort and planning, you can create and use a simple holiday budget. When you work from a budget, your holidays can be far more carefree. Ultimately, you will be able to focus on jo...

Applying for a credit card requires preparation, so make sure you take the necessary steps beforehand to set yourself up for continued financial success....

With debt consolidation, you may be able to simplify on-time payments. But remember that it does not address the need to look at the root problem. It will be important to make a commitment to turning ...

If you are facing too many accounts with too-high minimum payments at crippling interest rates, debt consolidation services may offer a solution. The rule of thumb in choosing a company is “buyer be...

If you follow this advice, it can serve as the basis of good financial responsibility going forward. Since this is the first time your child will be making financial decisions independent of you, the ...

For some, bankruptcy is a viable option. Yet, there are many other ways that you can settle your debts and repair your finances without an extreme measure such as bankruptcy. Whatever route you choose...

The only real way to ease the burden of the debts and truly stop the harassing phone calls is to settle your debts. Explore your options and find the right program for you. Research your options to pa...

Remember, having a credit card is a huge responsibility and any mistakes you may make now can impact your ability to take out a new line or credit or a loan in the future. Before you know it you will ...

Credit counseling can be very helpful for individuals who can stick with the program over several years, and who can make the payments resulting from a lower interest rate. If you do have debt, make s...

Debt settlement, also referred to as debt resolution, is a serious process for people in serious debt. For those who qualify, it can provide significant benefits: lower monthly outlays, reduced debt, ...

When it comes to getting debt help, selecting a solid partner that will help you is critical. For those who are looking for a trustworthy organization to help win the battle against debt, these consid...

If you are working in good faith to repay your debts, don’t let debt collectors harass and intimidate you. You have the right to be treated with respect while you work to get out of debt and find yo...

It’s possible to successfully negotiate debt with a credit card company, but it is imperative that consumers know their rights when it comes to federal credit card laws. Do your homework first, that...

Remember to focus on lasting value when evaluating whether a debt is healthy or unhealthy. Healthy debt will provide lasting value, and is aligned with a long-term goal (e.g., a mortgage enables you t...

Beyond financial institutions, potential employers, landlords and even cell phone providers may look at your credit score to determine whether you’re a good credit risk. Credit scores also play a pa...

It’s important to distinguish between credit reports and credit scores. Knowing the details of your credit report as well as the meaning of your credit score will help you identify financial strengt...

The signs that you’re flirting with a financial disaster may not be clear when committed individually, but a few of these combined should be an obvious red flag to any consumer. However, with a litt...

Getting your credit back to where it needs to be so that you can do the things you want to do isn't an impossible feat. It just takes a little patience, checking your credit report regularly, disputin...

If you want to negotiate a lower interest rate, do your research, call and ask, and have a back-up plan in place. A lower APR will save you money and reduce your credit card debt. These potential savi...

When attempting to renegotiate your interest rates, it is important to be prepared before you pick up the phone. Make sure you’ve done your research and that you’re ready with any necessary inform...

It is so easy to incur debts, but it takes planning, sacrifice, commitment, and perseverance to reduce or eliminate that debt. It is a behavior modification technique that can change one’s view abou...

It’s never too early to start teaching financial and credit lessons to your children. I’m not saying you have to sit them down for lectures on high finance, but use everyday, household finance as ...

Paying off large credit card debt, especially among multiple credit cards, can feel like a Herculean task. However, there are several ways you can simplify the process and make it easier. Through orga...

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 ...

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...

Again, separation is more than taking a break from your marriage and living apart from your spouse.  It is an important time to plan and reflect on you and your family’s legal, financial, and emoti...

A divorce involves one of the most emotionally trying times in your life. You should be as prepared as possible to act in your own best interests....

 Life has a way of throwing us curve balls and how we adjust to them can be the difference between a happy and not so happy life. No one heads into a marriage expecting to get divorced, but when it h...

When it comes to finding a divorce attorney, be thorough in your research. Take into account credentials as well as personal chemistry. Be clear on all the fees upfront. Make sure you are in agreement...

A woman in the midst of a divorce proceeding once said “Marriage is about love. Divorce is about money.” This is so true. Alimony is one of the key money matters that must be negotiated and settle...

Co-parenting is more than simply co-scheduling. Children of divorced parents can and do thrive on the same consistent rules and constructive communication as children of married couples. Taking the ti...

Most men and women do not realize that they put their children in the middle of their disputes. It’s not something done intentionally, but you need to remember that your anger is not your child’s ...

Being a good dad means both talking the talk and walking the walk. Everyone from the ex to the kids to the guardian to teachers, coaches, neighbors, doctors and shrinks is watching. Show them all what...

The issues facing high net worth divorcing families are often different from the issues faced by lower/middle income divorcing families. As such, they must be planned for and approached in a manner be...

The most important thing to remember is that child support is about the needs of the children. They need support in a number of ways, financially for sure, but also emotionally by not being made a lig...

As in all things, if you get educated about what’s before you and go into it expecting the worst, the chances of it being worse than you expected are about even. Get a lawyer you can get along with,...

It is understandable that through divorce and separation many emotions will arise between both parties. However remember that the legal system is not a tool that you can use to gain revenge against th...

Divorcing couples must know where all the assets are. Neither side has the right to hide money and every right to use all the means necessary to discover where the assets are and what their value is. ...

Divorce mediation is one way to settle issues relating to your divorce. Before selecting this process, it is important that you fully understand what a mediator can and cannot do, that you obtain lega...

Mediation is an effective, relatively inexpensive way to settle divorces. However, you have to be prepared, be in control of your emotions, and be realistic about the results. Good legal and financial...

Shared parenting and custody are often confused terms. As you can see, they are separate concepts. Shared parenting is a likely outcome for a situation where you and your ex are no longer together. An...

Making the decision to hire an attorney to represent you, as opposed to choosing to represent yourself, may be one of the most important decisions you will ever make. This decision can have an impact ...

Collaborative divorce is an alternative to a drawn out court battle. The process might result in an easier transition for the parties and their children. But collaborative divorce is not for everyone....

Divorce can be devastating, especially when children are involved. Picking an attorney you like and trust and who has experience and knowledge will make a difficult time of life better for all parties...

Annulment is different from divorce, but still requires legal representation and a court case. Be sure your circumstances meet the requirements for an annulment, and not a divorce, before you proceed ...

Judges generally do not take kindly to those who consistently flout their orders. However, because the possible penalties for violating a court order include incarceration, it is important that your e...

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...

When it comes to finances, marriage is for richer or for poorer. But making the effort to understand and discuss each other’s finances before walking down the aisle will play a major role in a long,...

Discussing these do’s and don’ts is a good start. Chances are good that as you discuss them, others will arise. Take the opportunity to open an honest dialogue about your finances – past, presen...

Most beginnings are ruined by worrying about the endings, a prenup gives you the opportunity to discuss the endings at the beginning. Being knowledgeable of prenuptial agreement is necessary to help y...

Having a child is an amazing and terrifying experience. By preparing your finances in advance you can reduce the financial stress on you and your family and enjoy as much time as possible with your li...

Before you get pulled into the excitement of the holidays this season, take some time to focus on you and your family’s financial plan. Don’t get overwhelmed and take it all on yourself. Call a fi...

Couples often assign one spouse to take the helm when it comes to home finances and budgets. But this can be a recipe for disaster. It is more important than ever for spouses to work together, stay in...

Newly married couples should ensure that their relationship is not affected because of financial discrepancies. This means that you both need to work together to achieve your financial goals, and neve...

Marriage is a great time to work together as a team and get your financial “house” in order. Not only will you set yourself up for long-term success, but it is a great opportunity to bring you clo...

Using a budget as a tool, talking things through honestly, and removing judgments is the best way for both partners in a relationship to come to terms with overspending....

Some cities cost more than others for housing, childcare, and energy, while baby items and healthcare are constant. Be sure to investigate all ways you can save money before having your child. Followi...

Although saving for college can seem daunting, if you follow these simple dos and don’ts, you can set and reach your college saving goals. You don’t have to save everything, but anything you can s...

Money Milestones such as having a new baby can be exciting. The key thing is to do as much as you can before the baby arrives.People often think they can use their maternity or paternity leave to take...

Nobody wants to think that their marriage won't work or that mid-course you will need to make “adjustments." However, because fights about finance can lead right to the door of divorce, there's some...

All of the work that you do as a couple on your financial communication pays off in the end. Getting an early start is great for your relationship and your finances. The ability to have loving and mut...

Placing the burden of restraint on a higher self-control individual in a partnership can seem like the easiest move, but it might undermine your happiness down the road. Talk together about how you ca...

Hopefully, this article gave you a good understanding of how to talk about money and finances with your significant other, and how to handle your personal finances in a committed relationship. If ther...

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...

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...

Many people have been hit hard by the current financial crisis. They find themselves behind on their bills, underwater on their mortgage, and feeling completely helpless. The great news is there are c...

Budgeting is the number one way to spend and save smartly, and to get out - and stay out - of debt. A budget, or a spending plan, is simply a way to intentionally spend and save money to meet your goa...

Getting used to living as an empty nester takes time. The best way to transition into this new phase of life is by re-focusing on new goals. Begin by getting your personal finances organized. Our tips...

It’s not too late into the year to make a fresh start. If you still have a holiday debt hangover, remedies do exist. Determine which plan, or relief option, is right for you, and get started on the ...

Ensuring that your children are taught rich habits is the best thing that you can do to make sure your children grow up to be financially responsible and financially successful. Get your children off ...

It’s important to shop smart so the big deals don’t break the budget. Smart consumers will set a plan and stick to it, and not get caught up in the frenzy of discounts and deals....

Becoming financially stable isn’t always easy, but it isn’t impossible. By breaking old habits, such as frequently eating out or overspending on name brands, you can help yourself achieve your fin...

By putting things in perspective and moving one step at a time, you can make decisions that let you set the best priorities and goals for your financial life. Once you cover the basics and get out of ...

A rainy day fund covers life's inevitable surprises. The more diligent you are in contributing to your fund, the more effective the strategy will be. The rainy day money should always be kept in a sep...

The beauty of developing a frugal millionaire mindset is that it can produce positive results in every stage of life. It doesn’t take money, no products to buy, and no seminars to attend. The whole ...

You can’t improve what isn’t measured. Utilizing the multitude of free online budget tools will help you measure and improve your budgeting. Every person has different needs and will start off wit...

Let’s take the frugal mindset challenge to reduce everyday expenses. Take the time to determine where there are holes in your budget. Eliminate them or replace them with less expensive alternatives....

Parents can teach financial responsibility in a way that is interesting for children. Most important is remembering that parents are their children’s role models. When kids see you budgeting, saving...

Hopefully you have gathered from these simple steps that investing does not need to be complex or overwhelming if you are a first time investor. Start small, do your homework, and create a financial p...

Being one’s ATM doesn’t help either you or your friend. Being an ATM decreases your asset (cash), while your friend’s liability increases. There is an old adage that goes something like this: gi...

Investing on your own isn’t always an easy task, especially when you first start out. However, I encourage you to stick with it and learn how to properly invest your own money. It’s rewarding to s...

We owe it to the next generation to understand how money works and how to save it, spend it, not fear it, and donate some of it. Most of all, remind your children that money does not guarantee happine...

Not having saved for a crisis is what throws many people into a financial disaster. When finances are tight, it can be challenging, at best, to create an emergency fund. But saving for a rainy day -- ...

It is never too early to start talking about financial planning with your children or grandchildren. If you help set them on solid financial footing when they are young, your lessons about money will ...

There are many different styles of financial planning out there. With a bit of searching on your part you can easily find a good fit. Doing your homework on financial planners is just as important as ...

Gold has long been recognized for its ability to protect purchasing power and act as a safe-haven investment against inflation, market crashes, geopolitical conflict, etc. While daily fluctuations in ...

Truth-be-told: teens are adults in training. When given the opportunity, they will demonstrate responsible behavior and smart financial management. They can be motivated by their own wants and needs, ...

Vacations remembered last a lifetime. They are engrams that can be recalled and put a smile on our face. These fond memories make us want visit new places. This can be done by planning for, budgeting ...

We all have one reason for budgeting in common, and that is to reach our goals, whatever they may be. Expecting the unexpected while still trying to save for life’s planned events can be quite the t...

Remember that the goals of a vacation are rest and relaxation. They are worthwhile goals to attain, and worth saving for. Some simple budgeting and planning will help make sure you can get that R&...

Many academic studies have concluded that asset allocation is the most important determinant of a portfolio’s performance - even more so than transaction costs and security selection. The main issue...

A windfall can be the start to securing your financial future, if it is handled with the care that it deserves. Don’t only focus on addressing the practical issues of receiving a large sum of money,...

Allowances can be tools for teaching values and money management, and can build lifelong habits of budgeting and saving. Parents set the stage for this by being fair and consistent in following the pl...

Vacation is supposed to be relaxing, and a break from the hustle and bustle of everyday life. Budgeting for a vacation and taking small money-saving steps can help you enjoy your vacation without brea...

The threat of identity theft does not go away when a person dies. In fact, it increases and the harm that identity theft can cause even after death is significant, however, by limiting information in ...

Child identity theft is an enormous black market business, and it is rapidly growing. It is an unfortunate byproduct of the electronic age. The good news is that by practicing the advice contained in ...

Identity theft can be a very challenging experience. But you can and will get through it. Stay calm and write everything down because your brain will be going a mile a minute. Include easy to forget i...

Everyone reading this article has been subjected to a data breach – it is a new reality of the electronic age. It similar to driving a car: at some point an inconsiderate driver will cut you off. Yo...

Identify theft is growing every year. The easiest way to protect yourself online is to be proactive – know what information is available about you and protect your information. If you are careful yo...

When choosing a bank for your checking and savings accounts, research is key. Know the bank’s customer service philosophy, what products and services the bank offers, and where you stand financially...

Money Market (MM) accounts are an excellent way to optimally invest your money in the short-to-medium term. They work best as an investment vehicle when you are saving up for a specific goal. Shop aro...

The right credit card can be convenient, efficient and rewarding, but no card is worth incurring debt to collect rewards. Don't choose a card just because it offers a lucrative signup bonus or gives y...

It is important to remember that losing your wallet is not always a direct link to stolen identity. Regardless of why your wallet is missing, following through with the above tactics will help you to ...

Donor-advised funds are an excellent tool for charitable giving and tax management. Benefits include their low costs as well as their flexibility around making contributions and recommending grants. O...

Become familiar with a bank’s requirements and understand your finances to maintain minimal or even nonexistent bank fees. As its first priority, a bank should be committed to its Customers, provide...

Investing a little time every day in keeping your records straight will pay off in the long run by keeping your identity safe, and will make your next tax season a breeze....

Though some people criticize whistleblowers and the system that incentivizes them, many regard these workers as heroes who are zealously protecting public interest. The U.S. government falls in the la...

Caring for a family member or loved one who is suffering from drug addiction is tough. If you are caring for them, it’s likely you are experiencing a financial burden in addition to an emotional one...

If your disability claim gets denied, it can be devastating physically, mentally, emotionally, and financially. Make sure to file your appeal within 60 days and consult an experienced disability lawye...

Applying for disability benefits is tough. Private disability providers make it difficult and confusing, another application process can be tricky. Make sure to always follow deadlines, provide them w...

Before you enter into a contract be sure to clearly outline the details, reduce it to writing, and make sure each party thoroughly understands their obligations. It is also wise to have your attorney ...

Depression is a serious and crippling disability. It can take over someone’s life and make it very difficult for them to perform the most basic daily routines, such as eating and sleeping. Those suf...

Strokes can leave behind irreversible damage that makes it impossible to work. Be sure you have a long-term and short-term disability in place to protect yourself in the event a stroke happens. Follow...

If you believe there is merit to your case for age discrimination, or if you just need to obtain legal advice before signing a severance agreement or while negotiating a severance package, contact an ...

Many people assume that concussions are temporary injuries that are overcome in a couple of weeks with rest and proper treatment. This may be true for some, but for others concussions can leave them w...

If you are certain that you want to leave a job despite the present non-compete, it is important to follow a plan of action. The safest choice is to obtain advice from a lawyer who has experience work...

Holidays are the time of year when you want to decorate, but it’s also the time when many Americans are seriously injured in holiday accidents. You may not expect anything to happen to you, but what...

Generally, employers may enact uniform dress code and appearance policies provided they do not discriminate against a particular protected group. An employee should familiarize himself or herself with...

The key to successfully leaving your job with a non-compete is to carefully read the details of the contract, advise your future employer of the non-compete and try if possible to find a reason that t...

The journey of conceiving can be way more difficult than you ever imagined it could be. And while much of it is not within your control, this article highlights some ways that you can take back a semb...

If you and your partner are having trouble conceiving, it may be that the male is experiencing sperm problems either with their sperm count, motility, progression, or morphology. Because of the great ...

In summary, it is important to be in the best health possible to maximize your chances for conception, and for a healthy baby. Many simple factors are often overlooked that are important for fertility...

You’re not alone. If you have questions about conceiving, talk to your doctor – whether it’s your regular OB-GYN or a fertility specialist, they are the best sources for accurate information abo...

Any reproductive age patient receiving chemotherapy or radiation is at risk for reduced fertility. Asking your doctor about options and seeking a consult with a fertility preservation expert can help ...

Even if IVF costs seem daunting at first, be assured you have many options to help you pay for your fertility treatment. You may be lucky and have insurance coverage for IVF costs. But even if not, yo...

Women and men trying to conceive a child would benefit from eating a healthy and varied diet coupled with moderate exercise. It is best to avoid alcohol, smoking, drug use, and excessive caffeine. Fer...

Following these tips can increase your chances of pregnancy, and remove some of the uncertainty that can arise when trying. While there can be a lot to keep in mind, don’t let the details bog you do...

Trying to get pregnant can seem like a laborious and lengthy process. Educate yourself, know the facts and recognize when to get help. There are many available resources to help make this process less...

With proper diagnosis and treatment, the symptoms of endometriosis can be greatly lessened and fertility improved. If you feel as if you are experiencing severe pain during your menstrual cycles, then...

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...

The purpose of college is to get your first taste of adult professional and social life. If you live at home, then you’re presented with an obstacle that you can, nevertheless, jump over. Your bigge...

The American university has a unique identity that is known around the world as an environment that develops creative thinking, encourages innovation, and provides a context for lifelong friendships.B...

College can seem expensive and full of uncertainty, but it can also be full of opportunities and be the best investment you will ever make in yourself. Consider your options carefully, ask a lot of qu...

Online courses have made education accessible to more people. It is not unusual to find students from around the world in a discussion site. The courses are challenging, but students can be successful...

You may not be able to see a football game or see what the fall foliage looks like, but a summer visit can tell you a lot about the culture, resources, and opportunities available on a college campus....

With these few guidelines in mind when networking virtually, you should be able to positively support your online presence through school and beyond. Networking online is one of the most important thi...

For working adults considering a return to school, options do exist. Remember, pursuing an advanced degree is an investment that can never be taken away from you, and gives you the opportunity to set ...

Community colleges can offer a great, affordable start to college. With an early start and a little investigating, you can find out if it’s the right place to start your college career....

Admission essays may seem like a big obstacle to climb, but if you see them as a chance to show the colleges who you are, your writing will come as naturally as talking to a friend. Give yourself enou...

Doing well on the reading part of the SAT means being prepared and having some good strategies. Refreshing your vocabulary, understanding the paragraph structure and learning to focus your reading att...

The college search and admissions process is a complicated one. It is natural for students to feel anxious about it. After all, for many students, this is the first big decision they will make. By fol...

This article provides you basic tools for remembering your schoolwork and any information. The example in the fifth do is very basic, however, if you practice these techniques you will be good to crea...

You’ve made it through high school. Your future is full of excitement! If you want to be a success in college, you need to prepare. So do your research, read your emails, attend orientation and pack...

This one-minute to a minute-and-a-half synopsis of your life should focus on the key elements that are in your resume, but need to be restated and reinforced orally. Yes, the interviewer may ask about...

Being a landlord is an excellent and well-proven path to wealth creation. The challenge is surviving long enough to realize the gains. Have a written game plan, know your numbers, don’t over-spend, ...

Utilizing a professional property management company to oversee your rental homes can be an extremely beneficial to you and can provide piece of mind knowing your property is being professionally mana...

Once you sign a lease it becomes a legal contract between you and the landlord. Every aspect of it is binding for the stated life of the agreement. For a hassle-free experience in your new home, it is...

The residential rental investment can be a lucrative opportunity. But the first-time landlord must understand the complexity of the investment and should consult with competent professionals for legal...

For landlords, there is nothing costlier than having to find new tenants, especially if it is on a frequent basis. Being more flexible and allowing tenants to make minor aesthetic changes is a simple,...

Hunting down the perfect new apartment in NYC can be daunting. However, understanding the process and being prepared can simplify your experience and increase your chances of finding a great place to ...

A significant shift is occurring with how people are using Facebook to give them more personalized user experiences. They are already sharing details about their daily lives, so the next logical step ...

The most important criteria to look for when choosing a property manager for you real estate investment is finding one with a proven track record, has good values, and does their research to provide y...

Using a professional real estate broker can make the rental process faster and much less stressful.They will know what the process entails and make sure that you find a qualified renter for your home ...

Contrary to what many think, managing property is a job. It can be profitable job, but it is still work; and as with any job there are unexpected issues that arise. So plan ahead, or be prepared to lo...

There’s no sugarcoating the fact that divorce is trying for everyone, especially for the children. Remember though, that this will pass. Your parents will eventually be their normal selves again, an...

Children thrive when they grow up in a conflict-free environment, and this initial conversation about divorce is the first opportunity for parents to create this safe space. By telling children togeth...

It is vital for adults to engage in a social life post divorce. Having no interests outside of children is unhealthy and sends the wrong message to kids. While it is common for children to fantasize t...

Toddlers thrive when their needs are understood and met. Remember, your children may not have the words to express themselves at all times. Be patient, keep the routines as steady as possible, and rea...

After a divorce, it can be very difficult for children to adjust to living arrangements between the new homes of their parents. While the constant moving can become taxing, it is possible to make the ...

Divorce can leave you feeling like your life is spinning out of control, but tying up the remaining ties that bind you will help you reclaim your life. It is important to remember, especially for pare...

A divorce is challenging for any family to endure. When a family with disabilities is divorcing, some of the same guidelines apply to the family in terms of how to minimize stress and maximize positiv...

To avoid making regrettable mistakes and to safeguard our children’s peace of mind following your divorce there’s one crucial question every parent should ask themselves: Do I love my children mor...

When your teenager tells you they want to move in with your ex you may feel overwhelmed, upset, betrayed, or hurt. It is important to not let these feelings cloud your judgment. If you are certain you...

Divorce is challenging for the entire family, but smart planning is vital when caring for a child with special needs. Make the system work for you and your child by taking a practical look at what spe...

How you divorce and how you behave after the divorce affects your children for the rest of their lives. When you divorce with dignity, you are teaching your children how to behave by your example--not...

Divorce is traumatic for the entire family—especially for children. Always think about your words and your actions. It is crucial to help your children understand that although their family has chan...

An IRS tax audit can be won, but only if you know your rights and know how and when to assert them. By following the simple rules outlined in this article, you too can handle many aspects of your audi...

In any dealings with the IRS collection division, you first want to make sure you avoid any enforced collection activities, such as wage or bank seizures (called ‘levies’). If you cooperate with t...

If you establish your small/home-based business under the proper entity and run it in such a way that you appropriately compensate yourself for your time worked, properly classify your workers, and ma...

CPAs are typically one of the most trusted advisors an individual will work with in their lives. Even though the process of hiring one may be a bit time consuming, performing a little due diligence up...

If you are in need of a tax attorney, it is important that you seek the services of one who is the best fit for your case. Work with an attorney who is experienced, has a good understanding of your ca...

The IRS is currently auditing as many people as they can. Their auditors are trained to extract as much money from you as possible. Your best protection is to avoid an audit at all costs. Remember to ...

Deciding to use a paid return preparer is a personal decision based on the complexity of your reporting situation, the amount of money and time you have to spend on tax preparation and your own comfor...

Whether you are 3yrs, 18 yrs, or 30 yrs old filing for the first time, you must understand that preparing a tax return requires an understanding of the tax rules. Most general information passed aroun...

The keys to minimizing taxes are knowledge, planning, and record keeping. You need knowledge about your business and knowledge about the available tax deductions and credits. Planning allows you to ma...

Companies that are interested in donating merchandise have options to consider. They can either donate items themselves or use a gifts-in-kind non profit organization.A gifts in kind program solicits ...

Choosing a tax advisor shouldn’t be as simple as selecting the first one you see in the phone book. Do thorough research and find the best person to meet your individual needs. Your advisor should b...

Audits are not fun, but they happen. The best way to prepare for an audit is to have your documentation organized when you file your return, and keep that information for at least seven years. Failing...

Whether working on one’s own with the IRS, or with the help of a tax debt resolution expert, the effort is worth it. Avoiding filing or paying taxes will only lead to more debt and greater stress....

A mid-year review of your business’s finances will not only help your stress levels at year end, it may also increase your company’s cash flow. Think about it. Who doesn’t like receiving a check...

This information should help you maximize your tax deductions, while not getting in trouble with the IRS. No one wants to pay more taxes than what's required—particularly those individuals in the hi...

Understanding how financial aid calculations work for the colleges your student is considering is essential to proper college planning. Each family’s finances are unique. What may work for a high-in...

Securing funding for your education can be a daunting and anxiety-ridden task. However, investing the time necessary to identify and apply for scholarships and being focused in your search could make ...

Teaching your child financial responsibility while in college is one of the most important lessons you can teach them. Going over these financial tips with your college student can not only help them ...

Finding the financial resources to save for retirement and college savings requires careful planning and budgeting. I typically recommend to my clients that retirement savings is the top priority, whi...

While you are hitting the books and earning that degree, you also can be making an investment in your financial future by developing good financial management skills. Set the basis for your future by ...

The U.S. now has the most generous student loan repayment program in the world. The problem is that almost 90% of the public, the majority of the news media, and even most members of Congress don’t ...

If there is only one thing you take away from this article, it’s that you must assess if the debt is worth it. I encourage you to reach out to a career counselor or a professional in the industry yo...

If you plan to put several thousand dollars into any 529 plan, be sure to have a meeting, first, with a CPA or certified financial advisor who understands them well, and can also discuss other options...

College is not cheap. But with a lot of saving, planning, and frugality, you can make it work. Get a job, save money, and be creative when having fun. Before making any purchase, ask yourself if the i...

There has never been a better time to become a first time homebuyer. Housing prices have bottomed out and appear to be stabilizing. Most experts are predicting that we will see home prices begin to in...

Financial institutions have become more rigorous in their mortgage application process. The mortgage application and approval process can seem demanding an onerous. Reduce your stress by having patien...

Getting a mortgage is not the same as it was just a few years ago. The process is harder, more thorough and often longer. However, you are trying to obtain the American dream of owning a piece of eart...

Enjoying your new vacation home is a lot more fun than getting the financing. Make sure you are prepared to run the gauntlet: clean-up any inaccurate credit, put down as much down payment as possible,...

A newly renovated home can be beautiful thing. Good planning on how you are going to finance the costs of these improvements and who will help you do this will make this journey much more pleasant. A ...

A reverse mortgage is a great resource to help some that need that additional source of income. Reviewing all of your options and understanding what this type of loan means for you, will help you make...

A fixed-rate mortgage generally costs a bit more per month during the first few years of your mortgage, but you know what your payment will be for the term of your loan – for instance, if you are lo...

Securing a loan when purchasing a home is just part of the process, and you need to know what options you have so that you can have the best interest rate and the lowest monthly mortgage payment possi...

Just like most things in life, the answer to this question is nuanced and it starts with “it depends.” It depends on how long you’ll keep the loan, how much the point will cost you, and how long...

Shopping for a mortgage and mortgage rate can be a daunting process. Remember that buying a home and getting a mortgage is the biggest financial decision and investment that most of us will make in ou...

Selling your house as a short sale can be a very overwhelming task even 3 years after. But in order to make it less stressful, and not ruin your credit for a long period of time, there are definitely ...

If you’ve served in the military, the VA home loan guarantee program can provide great benefits that are unavailable to civilians and those using a conventional mortgage product. Get in touch with a...

Determining how much you can afford to borrow combines the efforts of both the buyer and the lender. Borrowers must do their part to provide accurate and current information to their lender, but they ...

America’s economic vitality relies on the small business owner and the self-employed workforce. It’s unfortunate that these same individuals often face higher hurdles when obtaining mortgages for ...

We have all seen or known individuals who have built their own rental real estate portfolios and complemented their other investment strategies nicely through ownership and management of real estate. ...

More than anything ask your friends, family, and coworkers who they recommend to help with mortgage financing. Interview several of them and listen to your gut instincts. Ask yourself, is this a solid...

Choosing the mortgage structure that is best for you in the very common situation where less than a 20 percent down payment is requires an understanding of both your needs and the lender’s requireme...

As in most other personal finance matters, planning ahead is usually a worthwhile effort. It may involve more factors in your college decision, but with the cost of college so high today, families and...

Cosigning a loan is a big commitment and not a decision you should make without really thinking it over. Consider all of the options you and your child have to finance his or her education before maki...

Loan consolidation may simplify your repayment process, lower your monthly payments, and help you avoid default on your student loans. But before applying for consolidation, review all of your options...

Not being able to repay your student loans may be a big event in your life, but it doesn’t define your life. Following these steps will help you take inventory of the magnitude of the problem, so yo...

With a little careful planning and budgeting, recent college graduates can get started on the right foot. Depending on your long-term goals, being open to a public sector position may help wipe out th...

Graduation is a time to celebrate your achievement over the past four years and the transition to another phase of your adult life. Take the time to educate yourself now on the basics of personal fina...

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...

Breathe. Take a deep breath. This may seem a bit overwhelming, but if you take one step at a time you will be able to accomplish it all in record time. Try to take action and take care of one thing ea...

Effective financial planning and a realistic understanding of your options as you navigate divorce are critical. A strong, experienced and collaborative team of professionals, lending unbiased support...

You have what it takes to create the next chapter of your life. Each morning, you have the option to create your life -- or just do life. If you have enough money to invest, do your homework and start...

Divorce can be very stressful. If you are separated--or considering a trial separation--these tips will provide immediate and tangible action items that you can tackle today, while also helping to ste...

By taking steps to protect credit, and focusing on eliminating debt, individuals and families can come divorce through in much better shape....

Dividing assets can be trickier than people think. With the right tools, and with the help of a divorce lawyer and other professionals, you can make sure you receive a fair settlement or fair division...

Aside from the emotional aspects, divorce is essentially the dissolution of “an economic partnership” and must be carefully done to ensure an equitable division of assets between the “partners�...

After all is said and done in the divorce proceedings, it's time for you to invest in yourself, and that includes your retirement. Consider all of your options, have fun investing in your next phases ...

The most important advice to keep in mind is the goal of finishing the process of getting divorced in an economical and practical way. Sometimes, that requires spending money on attorneys and other pr...

A well-thought-out financial plan will help a client not only identify their goals but successfully achieve them. A client must be able to communicate to their attorney their monthly financial needs, ...

Determining your financial needs post-divorce is a multi-step process, but can be made easier with the help of a team of professionals. Ask questions, ask for advice, and be open to different options....

While homes are the most common of large assets (and debts) that are dealt with in a divorce, this advice can also apply to other large assets and debts that are acquired within a marriage. Both spous...

If you lose your job, you cannot just stop paying. Without following the proper procedures, in the end, you will be found to owe all the money which you did not pay in child support and/or alimony. Yo...

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...

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...