Many people wrongly believe their health insurance or Medicaid will cover long-term care services, but that's not always true. Medicaid coverage is limited, varies by state, and might require you to limit your assets to qualify. These misunderstandings can lead to big problems for those who haven't properly prepared for long-term care. Long-term care [...]
A recent study by LIMRA and Life Happens reveals that 42% of American adults, or 102 million people, need life insurance or more coverage. Education on What is Factual. Many people think life insurance is too expensive. However, 72% of Americans overestimate the cost of a basic term life insurance policy. Younger people often [...]
Planning for the financial future as a couple is crucial to building a life together. It reflects good financial management skills and is vital in strengthening the bond of trust and understanding in a relationship. Creating a comprehensive financial future requires good communication, setting common goals, and working together toward establishing them. Here are [...]
During Retirement Retirement brings many significant lifestyle changes, shifting daily routines, and adjusting financial patterns. This stage of life also presents an opportunity to reassess one’s contributions to society. Retirees often consider how much to give to charities now that they’re retired. However, the answer to this question can be determined by many factors, [...]
When you picture retirement, you may think of traveling, pursuing your favorite hobbies, or spending time with your family and friends. To ensure you have enough saved up to enjoy all of these activities, be sure to create a retirement plan that outlines the income you need to cover both planned and unexpected expenses.Why should [...]
Whether you’re just starting in your career or retirement is close on the horizon, planning for the future can significantly impact your financial well-being in the years ahead. Since preparation is a good idea for most, the sooner you start saving or implementing a savings plan, the more likely you’ll have the financial security [...]
Knowing the situations and critical ages of when to start Social Security benefits is essential. The age when you start benefits impacts the amount you receive. Getting the most out of your Social Security retirement benefits can be the difference of thousands of dollars over time. For this reason, you need to determine the [...]
For 2023, Social Security Retirement and Supplemental Security Income (SSI) benefits increased due to inflation. The increase was 8.7%, resulting in an average monthly benefit increase of $146 per month for a yearly increase of $1,827 in 2023. Social Security benefits are adjusted yearly for inflation as a cost-of-living adjustment (COLA) based on the Consumer [...]
As the landscape of our economy shifts and evolves, so do the policies and practices that guide our federal programs. One such program that undergoes continual alterations and modifications is Social Security. In this article, we will explore the social security changes anticipated in 2024 that could significantly affect Americans who rely on this vital [...]
Estate planning is an important process of designating who will receive your assets when you pass away and allows you to leave instructions about your property, children, health care wishes, and final arrangements. To help complete an estate plan or get one started, here’s a look at several of the benefits and seven items [...]
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