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My mother lived with me for the last five years of her life. We closed in our garage and created an accessible, comfortable living space for her. I worked, and her health needs necessitated 24-hour care. She carried no debt on her home; she had money set aside for retirement, and she owned a long-term […]
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In this space, I previously have listed the reasons I believe everyone needs life insurance. This time, I want to remain on the life insurance theme and talk to those of you who already have life insurance, of any kind, about why you should review and update your policy and coverage. Many people who tell […]
As if flood insurance weren’t complicated enough, the whole rating process is changing again as of October. Elevation certificates won’t be required any longer, but knowing the elevation of your first floor will become very important. Replacement cost and construction type (frame or brick) will be used as part of the calculation, as well as […]
You made a mistake – an expensive one. You are flooded with embarrassment, anger, disgust, guilt, sadness, or some combination thereof. Are you a bad person for making a mistake? You probably feel that way, but the answer is no. If making a mistake made us all bad people, there would be no goodness in […]
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By Jennifer Hearne We all can agree it’s easy to lose track of time and miss a deadline, forget a meeting or allow household chores to pile up. Poor time management makes us miss out on the extra things in life that spark joy as we spend valuable time catching up. As a wife, mother […]
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In my practice, I often see clients who are in crisis. The recent COVID-19 pandemic and recent world events have left everyone’s sense of stability and temper on edge. Whether it is a divorce, the death of a family member, a family member with dementia, a financial crisis or a family fight, inflamed emotions often […]
Homeowners or renters insurance can protect you from devastating financial loss should some catastrophe occur. Within your home or apartment, however, your personal property is likely what you cherish most. Protecting your possessions from loss is financially and emotionally important. You must make sure that you have the right amount of coverage for your belongings […]
