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In case you haven’t noticed, insurance rates for vehicle coverage are starting to skyrocket. The increase in distracted drivers has caused many more accidents, and newer vehicles have very expensive computer components that are making repairs almost cost prohibitive. A number of factors could increase your rates, including a bad driving record, bad credit, driving […]
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The most important reason to have life insurance is to avoid leaving your loved ones with significant debt and expenses. We are not promised tomorrow, and when you leave your family behind, there is a serious financial impact. Life insurance will help with covering burial costs, paying off the mortgage, paying for your children’s continued […]
January has been called the divorce month, with divorce filings typically spiking from Jan. 12-16. It is estimated that 41 percent of all first marriages will end in divorce and, unfortunately, the divorce rate for second marriages increases to 60 percent, and to 73 percent for third marriages. So, it becomes obvious that before you […]
The beginning of a new year is a great time to make financial changes we have long delayed or avoided. Here are 21 ideas that may help you manage your hard-earned money better: Take the time to review every penny you make and spend. Make a paper list or an Excel spreadsheet. Examine every expenditure; […]
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The last thing a family wants to do during the holidays is think about or discuss estate planning. But families usually are together during this time, including elderly relatives, so it’s an ideal opportunity to address this subject. Estate planning is not just about what happens when someone dies. It also includes plans while family […]
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In our current climate, more people are working from home to avoid Covid-19. Unfortunately, that puts all of us at greater risk for a computer virus. Almost every week, headlines frighten us with news about data breaches, cyber attacks and identity theft. Innocent-looking emails entice us to click thorough to unprotected sites that download a […]
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 […]
