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Are you ready for your retirement years? We often push off retirement preparation because we assume we have time. Unfortunately, time becomes our enemy when we postpone financial planning. For some, life is like a spontaneous vacation, never planning, always moving from one place, job or relationship to the next. We all know people who […]
Shopping is a common and enjoyable activity, but the line between a healthy interest and an addiction can easily blur. Understanding the different types of shopping addiction can help those who struggle recognize their own patterns and, if necessary, seek help. 1. CREDIT CARD ADDICTION Credit card addiction refers to a compulsive need to accumulate […]
Conventional wisdom tells us that we should start saving for our children’s college education when they are born. It also gives us the generally accepted ways to do so: 529 savings plans, mutual funds, custodial accounts under a UGMA (Uniform Gifts to Minors Act) or UTMA (Uniform Transfers to Minors Act), U.S. savings bonds, Cordell […]
My insurance agency recently participated in an Adulting Day, which involved meeting with local high school seniors and introducing them to skills they will need as they enter the adult world. Topics included setting budgets, changing a tire, sewing a button and more. As part of the finance module, students had to make their income […]
The prevalence of fraud ends up costing all of us more money. Insurance fraud is intentionally deceiving an insurance company for financial gain. It could involve falsifying information, inflating the value of damages or other deceptive behavior. Those who submit bogus claims will have coverage denied and likely canceled. Fraud is illegal and will result […]
As a financial professional, I like to present information and ask questions that cause people to think outside the box. With this in mind, and because you may not know what a tax-free retirement account (TFRA) is, let’s delve into this topic. A TFRA is a retirement savings plan that works similarly to a ROTH […]
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It’s never enjoyable to have to make an insurance claim. However, if you must file a claim, here are a few things to know: • Review your policy before you file a claim to be certain there may be coverage. Each policy provides for coverage in the event a covered peril causes damage to your […]
