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Wednesday, December 13, 2017

Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can take to make dealing with these matters less difficult....

 

Tuesday, December 12, 2017

As you grow older, your housing needs may change. Maybe you'll get tired of doing yardwork. You might want to retire in sunny Florida or live close to your grandchildren in Illinois. Perhaps you'll need to live in a nursing home or an...

 

Thursday, December 7, 2017

Conventional wisdom says that what goes up, must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when it's your money at stake. Though there's no foolproof way to handle the ups and...

 

Wednesday, December 6, 2017

If you fail to estimate your federal income tax withholding properly, it may cost you in a variety of ways. If you receive an income tax refund, it essentially means that you provided the IRS with an interest-free loan during the year....

 

Tuesday, December 5, 2017

The terms immediate annuity and deferred annuity simply indicate when the distribution phase of the annuity begins. Both allow unlimited contributions, and both can provide, upon election, a continuous stream of payments for life....

 

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Monday, December 4, 2017

Your credit report contains information about your past and present credit transactions. It's used primarily by potential lenders to evaluate your creditworthiness. So if you're about to apply for credit, especially for something...

 

Friday, December 1, 2017

As the cost of a college education continues to climb, many grandparents are stepping in to help. This trend is expected to accelerate as baby boomers, many of whom went to college, become grandparents and start gifting what's...

 

Thursday, November 30, 2017

Many parents pay for college with a combination of current income, savings, and financial aid. By learning the basics of financial aid, you'll be able to understand how the aid process works and compare the aid awards your child...

 

Wednesday, November 29, 2017

There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for retirement. There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for...

 

Wednesday, November 29, 2017

The Markets (as of market close November 24, 2017) Stocks rebounded last week in spite of the market shutting down for the Thanksgiving holiday. Each of the benchmark indexes listed here posted weekly gains, led by the Russell 2000,...

 

Monday, November 20, 2017

You're house hunting, and you've brought along a wish list of features that you consider important, such as a certain number of bedrooms, adequate storage, and an up-to-date kitchen. But does your list include features that will affect...

 

Sunday, November 19, 2017

Thanksgiving is the mother of all family dinners. It’s a celebration of our great nation and the many blessings that occur when people unite together in the spirit of communication. As you’re gathered around the table this year, here’s...

 

Friday, November 17, 2017

Medicare won't cover all of your health-care costs during retirement, so you may want to buy a supplemental medical insurance policy known as Medigap. Offered by private insurance companies, Medigap policies are designed to cover costs...

 

Wednesday, November 15, 2017

Trimming college costs up front can help families avoid excessive college borrowing and the burdensome student loan payments that come with it. Here are some ideas. 1. Pick a college with a lower net price. You can use a college's net...

 

Tuesday, November 14, 2017

There is no magic formula to determine how much you or your child should borrow to pay for college. But there is such a thing as borrowing too much. How much is too much? Well, one guideline for students is to borrow no more than their...

 

Monday, November 13, 2017

You may think that the chances of becoming disabled during your working years are slight, and even if you did get hurt or had to miss time at work, you could get by because you have group disability insurance. Unfortunately, you may...

 

Friday, November 10, 2017

Here are 10 things to consider as you weigh potential tax moves between now and the end of the year. 1. Set aside time to plan Effective planning requires that you have a good understanding of your current tax situation, as well as a...

 

Thursday, November 9, 2017

A will is often the cornerstone of an estate plan. Here are five things you can do with a will. Distribute property as you wish Wills enable you to leave your property at your death to a surviving spouse, a child, other relatives,...

 

Wednesday, November 8, 2017

All too often, we assume the men and women who fought for our country can take care of themselves. Unfortunately, that isn’t always the case. There are some important ways ordinary Americans can help those who are returning from battle...

 

Thursday, November 2, 2017

Penne With Spinach and Sausage Serves 6 Ingredients: Salt and pepper 1 pound penne pasta 1 pound Italian sausage, casings removed 1 clove garlic, minced 2 14.5-ounce cans tomatoes, diced (with juice) 1 teaspoon dried basil 1 teaspoon...

 

Wednesday, November 1, 2017

Medicare is a federal program that provides health insurance to retired individuals, regardless of their medical condition, and certain younger people with disabilities or end-stage renal disease. Here are some basic facts about...

 

Tuesday, October 31, 2017

In times of crisis, you don't want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you're protected when a financial emergency arises. One way to accomplish this is by setting up a cash...

 

Monday, October 30, 2017

Retirement and Social Security are inextricably linked. Not only did Social Security help establish the official U.S. retirement age at 65, it also provides a significant portion of today’s retirees’ incomes. Retirement and Social...

 

Monday, October 30, 2017

If you give away money or property during your life, those transfers may be subject to federal gift and estate tax and perhaps state gift tax. The money and property you own when you die (i.e., your estate) may also be subject to...

 

Friday, October 27, 2017

Halloween is almost upon us! Whether you’re wearing a costume, decorating your yard/house, or handing out treats, you won’t be alone. More than 179 million Americans are expected to participate in 2017’s Halloween festivities – and...

 

Friday, October 27, 2017

If your income hits a certain level, you may face an additional wrinkle in calculating your taxes: the net investment income tax (also referred to as the unearned income Medicare contribution tax). This 3.8% Medicare tax applies to...

 

Thursday, October 26, 2017

Mini Italian Beef Sandwiches With Pepperoncini Slaw Serves 12 Ingredients: 17 ounces roast beef au jus, cooked (pre-packaged works) 2 cups bag of frozen bell pepper (red, yellow, and orange) and onion medley 1 teaspoon dried Italian...

 

Wednesday, October 25, 2017

When you think of Social Security, you probably think of retirement. However, Social Security can also provide much-needed income to your family members when you die, making their financial lives easier. Your family members may be...

 

Tuesday, October 24, 2017

Getting married is exciting, but it brings many challenges. One such challenge that you and your spouse will have to face is how to merge your finances. Planning carefully and communicating clearly are important, because the financial...

 

Monday, October 23, 2017

There's no doubt about it--owning a home is an exciting prospect. After all, you've always dreamed of having a place that you could truly call your own. But buying a home can be stressful, especially when you're buying one for the...

 

Friday, October 20, 2017

Moroccan-Spiced Chicken and CouscousPair this spicy chicken dinner with a glass of Beaujolais-Villages. Serves 6 Ingredients: 3½ pounds of chicken thighs and drumsticks, or 12 pieces Cooking spray 1 teaspoon cumin ½...

 

Thursday, October 19, 2017

As you enter your 60s and 70s, health may become more of an issue than it once was, and your thoughts may turn to the future. Who will take care of you when you can no longer care for yourself? If you must enter a nursing home, how...

 

Wednesday, October 18, 2017

You may have a very idealistic vision of retirement--doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you get...

 

Tuesday, October 17, 2017

Divorce can be a lengthy process that may strain your finances and leave you feeling out of control. But with the right preparation, you can protect your interests, take charge of your future, and save yourself time and money. You...

 

Monday, October 16, 2017

How times change! In 1940, half of Americans finished their education in eighth grade. College degrees were relatively rare. Just 6 percent of men and 4 percent of women had one.1During the past 80 years, college has become far more...

 

Monday, October 16, 2017

Approximately 66 million people today receive some form of Social Security benefits, including retirement, disability, survivor, and family benefits. (Source: Fast Facts & Figures About Social Security, 2017) Although most people...

 

Friday, October 13, 2017

Incapacity means that you are either mentally or physically unable to take care of yourself or your day-to-day affairs. Incapacity can result from serious physical injury, mental or physical illness, advancing age, and alcohol or drug...

 

Thursday, October 12, 2017

Now that you've decided to start a new business or buy an existing one, you need to consider the form of business entity that's right for you. Basically, three separate categories of entities exist: partnerships, corporations, and...

 

Wednesday, October 11, 2017

Whether you're seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility--many...

 

Wednesday, October 11, 2017

Flank Steak Panzanella Salad This salad is even better at room temperature once the bread has absorbed some of the dressing. Swap the steak for chicken or shrimp, or omit for a side salad. Serves 4 Ingredients: Cooking spray 1 pound...

 

Tuesday, October 10, 2017

Smartphones are incredibly handy. That may be why about three of every four Americans own them.1 On average, smartphone users spend almost three hours a day – 86 hours every month – using their phones. They send texts and email,...

 

Tuesday, October 10, 2017

"If you can’t do great things, do small things in a great way." – Napoleon Hill

 

Monday, October 9, 2017

If you're a senior, the future may present more of a concern than it once did--you may wonder what you'll do if your health deteriorates. If you must enter a nursing home, for example, how will you pay for it? Fortunately, you may have...

 

Friday, October 6, 2017

A well-diversified investment portfolio contains a mix of stocks, bonds, short-term cash investments, and savings accounts that is tailored to your investment goals and risk tolerance. If you want to diversify your investment portfolio...

 

Thursday, October 5, 2017

A beneficiary is the person or entity you name (i.e., designate) to receive the death benefits of a life insurance policy. Some states require that your beneficiary have an insurable interest in your life or be related to you (at least...

 

Wednesday, October 4, 2017

In times of crisis, you don't want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you're protected when a financial emergency arises. One way to accomplish this is by setting up a cash...

 

Tuesday, October 3, 2017

"Determine that the thing can and shall be done, and then we shall find the way." – Abraham Lincoln

 

Tuesday, October 3, 2017

Retirement plans established under Section 401(k) of the Internal Revenue Code, commonly referred to as "401(k) plans," have become one of the most popular types of employer-sponsored retirement plans. What is a 401(k) plan? A 401(k)...

 

Monday, October 2, 2017

Smothered Pork Chops Sometimes you just need a big honkin’ plate of pork chops dripping with bell pepper gravy. I made this recipe yesterday, Snapchatting in real time along the way. And by the way, if you’re saying to...

 

Monday, October 2, 2017

The income tax benefits offered by 529 plans make these plans attractive to parents (and others) interested in saving for college. Qualified withdrawals from a 529 plan are tax free at the federal level, and some states also offer tax...

 

Sunday, October 1, 2017

Common stock and preferred stock are the two main types of stocks that are sold by companies and traded among investors on the open market. Each type gives stockholders a partial ownership in the company represented by the stock....

 

Friday, September 29, 2017

Life insurance has come a long way since the days when it was known as burial insurance and used mainly to pay for funeral expenses. Today, life insurance is a crucial part of many estate plans. You can use it to leave much-needed...

 

Thursday, September 28, 2017

You may have heard that IRAs and employer-sponsored plans (e.g., 401(k)s) are the best ways to invest for retirement. That's true for many people, but what if you've maxed out your contributions to those accounts and want to save more?...

 

Wednesday, September 27, 2017

“Never mind what others do; do better than yourself, beat your own record from day to day, and you are a success.” – William J. H. Boetcker

 

Tuesday, September 26, 2017

Serves 8Ingredients: 8 whole apples, more if using small apples 4 11-oz packages of caramel melts 2 TBSP heavy cream 1 tsp vanilla Dash of salt Toppings: mini chocolate candies (like M&Ms), crushed pretzels, kosher salt, chocolate...

 

Tuesday, September 26, 2017

If you fail to estimate your federal income tax withholding properly, it may cost you in a variety of ways. If you receive an income tax refund, it essentially means that you provided the IRS with an interest-free loan during the year....

 

Sunday, September 24, 2017

An individual retirement arrangement (IRA) is a personal savings plan that offers specific tax benefits. IRAs are one of the most powerful retirement savings tools available to you. Even if you're contributing to a 401(k) or other plan...

 

Friday, September 22, 2017

Favorable tax treatment is one of the main reasons for buying an annuity. But what exactly are the tax benefits? And are there any drawbacks? It's important to know the answers to these questions before deciding whether to purchase an...

 

Thursday, September 21, 2017

You've researched long-term care insurance (LTCI) and are seriously thinking of buying a policy. Just make sure you're doing it for the right reasons--don't be swayed by unsubstantiated sales pitches. Here are some claims you'll want...

 

Wednesday, September 20, 2017

Do you ever wonder where your money goes each month? Does it seem like you're never able to get ahead? If so, you may want to establish a budget to help you keep track of how you spend your money and help you reach your financial goals...

 

Monday, September 18, 2017

Beefy Corn and Black Bean Chili Serves 6Ingredients: 1 lb ground beef 1 16-oz bag of seasoned, frozen black beans and corn 2 tsp no-salt chili powder mix 1 can (14 ounces) beef broth 1 can (14 ounces) tomato sauce with chili seasoning...

 

Monday, September 18, 2017

"Every individual matters. Every individual has a role to play. Every individual makes a difference." – Jane Goodall

 

Monday, September 18, 2017

Social Security was originally intended to provide older Americans with continuing income after retirement. Today, though the scope of Social Security has been widened to include survivor's, disability, and other benefits, retirement...

 

Sunday, September 17, 2017

In today's corporate environment, cost cutting, restructuring, and downsizing are the norm, and many employers are offering their employees early retirement packages. But how do you know if the seemingly attractive offer you've...

 

Friday, September 15, 2017

You may have heard about the horrors of probate, but in truth, probate has gotten an undeservedly bad reputation, especially in recent years. If you bypass probate, your estate will go to your beneficiaries without any court proceeding...

 

Wednesday, September 13, 2017

A 401(k) in-plan Roth conversion (also called an "in-plan Roth rollover") allows you to transfer the non-Roth portion of your 401(k) account into a designated Roth account within the same plan. The amount you convert is subject to...

 

Monday, September 11, 2017

A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, here are six basic...

 

Friday, September 8, 2017

You're beginning to accumulate substantial wealth, but you worry about protecting it from future potential creditors. Whether your concern is for your personal assets or your business, various tools exist to keep your property safe...

 

Friday, September 8, 2017

This recipe debunks the myth that seafood and cheese don’t belong together. The richness of the lobster marries well with the zesty Cheddar and mellow Gruyčre. Serves 8 Ingredients: 16 oz corkscrew pasta 6 TBSP melted butter,...

 

Thursday, September 7, 2017

You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. That's not as easy as it sounds, because retirement...

 

Monday, August 28, 2017

How to Use a Lob Wedge Golfers sometimes face a situation in which they have little turf to work with to get their ball onto the green. Or they must chip the ball over a bunker with little landing area. The lob wedge is a perfect tool...

 

Monday, August 28, 2017

Grilled Halibut and Fresh Mango Salsa We guarantee that after tasting one bite of this summery dish, you'll want to head right back to the kitchen and make another batch of the tropical salsa. Tangy and fruity with eye-popping color,...

 

Tuesday, August 22, 2017

Should parents pay for their child’s college education? The message you send can be a lesson in itself. An article this week in “Ask Amy” focused on a young woman’s disappointment that her family couldn’t afford to send her to a dream...

 

Friday, July 21, 2017

Common Factors Affecting Retirement Income When it comes to planning for your retirement income, it's easy to overlook some of the common factors that can affect how much you'll have available to spend. If you don't consider how your...

 

Monday, July 17, 2017

Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you...

 

Monday, July 17, 2017

The idea of Artificial Intelligence (AI) may bring to mind movies like Terminator, Wall-E, and Transcendence, but the reality of AI is expected to help people find answers to some significant issues. For example, a PwC survey found:1 •...

 

Tuesday, June 27, 2017

Some people may name a medical device or implant, such as a hearing aid, an artificial joint, or a pacemaker. Others may say they couldn't live without their electric bikes, GPS devices, tablets, or food processors. A surprisingly...

 

Tuesday, June 20, 2017

Wouldn’t it be something if you could plump up your retirement savings as easily as you can put on a few pounds eating fast food? Here’s one way to do it: Open a health savings account (HSA). It offers a triple tax advantage and you...

 

Tuesday, June 13, 2017

You may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is, in fact, the most common living arrangement for this age group and a...

 

Tuesday, May 23, 2017

Please take a few minutes to read this message, because it’s on a very important topic: cybersecurity.On Friday, May 12, 2017, well over 100 countries started getting hit by one of the largest cyberattacks ever seen...

 

Monday, May 8, 2017

Last week, stocks rose but floated within a narrow trading range. By Friday, however, both the S&P 500 and the NASDAQ reached record highs.[i] For the week, the S&P 500 gained 0.63%, the Dow finished up 0.32%, and the NASDAQ rose 0.88%...

 

Monday, April 17, 2017

We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at older ages. The bad news is...

 

Thursday, March 30, 2017

It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an...

 

Monday, February 27, 2017

More than one-half of working Americans know little or nothing about Medicare costs.1 Not knowing can be expensive. On average, people who haven’t yet retired estimate they’ll spend approximately $50,000 on health care after retirement...