The interest rate hike could be a double-edged sword for retirees and for those investing for retirement—but it’s not all bad, since although it will be cutting value on outstanding bonds on the one hand, it will be cutting risk on the other.
The New Year is a time for new beginnings. It’s a time when many of us reflect on the past and think about how we can make the New Year better. It’s a time many of us set goals. Whether big or small, goals help give us purpose and make our lives richer.
Ah, lifespans. They ain’t what they used to be.
Two disturbing studies have shown that life expectancy in the U.S. is on the wane, as more people die from illnesses, and that wealthy Americans have a substantially longer lifespan than poor Americans. The National Center for Health Statistics, reported the Huffington Post, released a study showing that in 2015, Americans’ mortality rate from a variety of illnesses rose sufficiently to drive down life expectancy for the first time in more than 20 years.
Healthcare.gov has officially opened for enrollment, and HHS says that premiums are going up by as much as 25% for some plans.
Are you looking to become an RIA? If so, there are a few things you will need to know. Read on for some helpful information on starting the process of becoming an RIA.
Are you looking to make changes to your medicare coverage? There are only certain times when you can make these changes, and they are dependent on the type of Medicare plan. For Medicare Advantage (also known as Medicare Part C) and Medicare prescription drug plans, there's an Annual Election Period (AEP) when you can sign up for, change, or disenroll from the plan.
In this week’s recent news, we offer more information about a type of insurance plan that many of you are familiar with. Gap Plan insurance is becoming more popular in the industry today. The advent of the Affordable Care Act (ACA) has helped in some areas of the healthcare industry, while it has faltered in others. “About 8 in 10 people qualify for some form of subsidy on the Obamacare exchanges, helping to make insurance more affordable”(Health Inc., NPR), however, those that don’t, businesses for example are sometimes forced to pay the full amount if an employee gets hurt.
Every month nowadays seems to have a connection to some national awareness. While we can argue that some may be less important...National Beard Day, the 24th is National Punctuation day, and National Cheese Pizza day is right around the corner. There are some that have profound meaning for the people in your community.
September has begun and it’s our time to shine when it comes to educating the public on why life insurance is so important. Of course our goal is to inform and educate throughout the year but September being, “National Life Insurance Awareness Month” gives us all the more reason to do so. Many people know life insurance is important to have, however, not as many people know what it can do for them. We have decided to make it easy. Listed below are some of the top ways it can protect your client and their family today.
How much of my income will Social Security replace? A common question that occurs all too often in the financial industry. Unfortunately, not as much as it once did. People are living longer, laws are changing, and employers aren’t helping as much with retirement benefits. What does this mean for you? Without a solid nest egg to help glide you and your spouse into the golden years, many people are falling short financially. Becoming dependent on relatives for care or being forced back into work is not something any of us want to deal with.
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