What comes to mind when you recall holidays gone by? Do you have sweet memories of time spent with friends and family, or unpleasant memories of family and gift-buying stress — along with debt to start the new year? I can’t eliminate the stress caused by 2020 or relatives, but I can provide a few […]
It is not hard to find a country music song about love gone wrong and divorce, but does splitting up always have to end in an ugly legal battle? Not really, if both parties can agree to a non-adversarial divorce method. It’s hard to find an area in the law with more important issues than […]
These days, a greater number of people in long-term relationships are opting to live together without marriage. One reason may be the idea that if the couple splits up, they will not incur the property loss associated with divorce. It is true that, generally, a married couple has property rights not available to single, cohabitating […]
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One of the few things people know about Social Security is that contribution is mandatory, and when they get old enough to retire, they will receive a certain amount of money per month as long as they live. An annuity has some similarities; when properly designed, it can provide guaranteed income in retirement and help […]
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Your home is one of the largest investments you will make during your lifetime. There are so many decisions, such as location, style, construction type and whether to buy an existing home or build a new one. Then comes the price tag, including closing costs, monthly financing, attorney fees, utility deposits and the dreaded insurance […]
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Starting your business gives you plenty to do and think about. You must develop a legal corporate structure, set up your tax ID, register with the state, determine a location, hire staff, set up your accounting system and buy insurance. Each industry is different, but the best way to start is to understand the specific […]
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Financial planning without life insurance is like rearranging the deck chairs on the Titanic. For life insurance to make a difference in your financial plan, you must buy it and keep it. One of the first things you should do is go to lifehappens.org and click on the “calculators” tab. This tab has options to […]
