Here is an article written by my friend and Northeast Regional Sales Manager for Guardian, Thomas Wong. In the Spring of 1988, I received a call from a dear friend, Dave. He called to let me know that the results of his blood test taken during a routine physical exam were not good, and that[…]
It would be understandable if some people’s definition of the American Dream included early retirement. Perhaps certain American dreamers look to move to a warm locale, near their families, or near a great golf course to experience the glory of an extended retirement. Early retirement isn’t possible for all workers, but for those who[…]
You hope it never happens, of course. But ignoring the possibility is hardly the answer. Does preparing for disability seem overwhelming? It’s not. The Council for Disability Awareness has created a simple, five step Financial Security Plan to give you a clearer understanding of your financial “big picture,” including: Your sources of income, monthly expenses[…]
As most of us are (painfully) aware, our genes have quite a lot to do with how we develop and function in this life. We are predisposed to certain traits because of our genetic makeup. Genetics and disabilities are also inextricably linked, though the relationship between the two is exceedingly complex. The rise of genetic[…]
It’s easy to confuse long-term disability insurance with long-term care insurance. But who can blame you? These types of insurance sound much like synonyms or the work of a practical joker with a PhD in linguistics. Nonetheless, these two insurance plans serve very different purposes in helping you manage financial risks. Long-term Disability Insurance Long-term[…]
Wow. It’s awfully quiet around here. We did it honey—they have left the house and have solid futures. And that breeze coming in the window right now. You don’t think that breeze is all our tax deductions flying out the window do you? Maybe we need to investigate potential tax deductions. Yes. Your children[…]
Many retirement expenses are straightforward, especially when you work with an advisor who helps guide you, or if you make it your business or hobby to study finances and retirement. One example of straightforward retirement expenses: On average, retirees can expect housing to represent about one-third of retirement expenses; health care, 10 to 15 percent;[…]
Could Medical Errors Be No. 3 Cause of Death? By Maggie Fox and Lauren Dunn Medical mistakes — from surgical disasters to accidental drug overdoses — are the No. 3 cause of death in the U.S., behind cancer and heart disease, two experts argued Wednesday. They said a careful count of all deaths from preventable[…]