Disability Insurance: 4 Questions you need to ask!
According to the U.S. Census Bureau, an employee has a one in five chance of becoming disabled during their career. That’s why experts say purchasing a disability insurance plan is a must for anyone who relies on a job to provide their income. Here’s a quick look at what you should know about the various plans available. Q: Which disability insurance plans do employers usually provide? A: Typically, workplaces offer two plans: short-term disability and long-term disability insurance. Q: What are the differences between these...
read more3 Elements to Age in Place
The Joint Center for Housing Studies of Harvard University predicts that by 2035, the population of those 65 and older will grow to approximately 79 million — up more than 30 million from today. And 90 percent of adults in that age group prefer to remain in their homes, according to AARP. For those who would like to stay in their homes into their golden years, updating these three areas to accommodate changing needs is something worth tackling sooner rather than later. Lighting A well-lit home, both indoors and out, is a fundamental...
read more6 Possible Reasons for weight gain
Healthy eating and regular exercise are two of your top priorities, so there’s no need to worry about gaining weight, right? Not necessarily. Seemingly inconsequential behaviors such as eating while multitasking, taking certain medications and opting for alternative sweeteners can lead to unexpected weight gain. Here are some choices that may be impacting what you see on the scale: Lack of sleep: Sleep deprivation can not only increase your risk of heart disease but also influence you to eat more calories. A 2016 study published in the...
read moreUnderstanding and Paying Down Debt
Before you buy that new car or house, put some thought into your finances. Do you have a full understanding of how debt accumulation impacts you? Read on for more, including tips for tackling your financial obligations. Debt’s Daily Impact Owing money affects many aspects of everyday life — from securing a new home to qualifying for a credit card and much more. All rely on your credit score and the information in your credit report, so check your credit report yearly and dispute inaccurate information. Even those who don’t...
read more3 Tips for managing an inheritance
Receiving an inheritance from a family member or friend can bring mixed emotions. Not only are you grieving the loss of a loved one, but you’re also suddenly receiving new wealth. During this challenging time, these steps can make the process a little easier. Take Your Time Don’t rush into the process; filling out the necessary paperwork to receive the inheritance doesn’t have to happen immediately after a loved one passes away. Take the time you need to grieve, get through the funeral and spend time with loved ones. Aim to...
read moreBasics of Long Term Coverage
Before making a decision about long-term care insurance (LTCI), it helps to fully understand what it is and how it works. Here’s a general overview. What is long-term care insurance? This type of insurance addresses extended, hands-on assistance that’s needed due to a prolonged disability or long-term illness or cognitive impairment. Each LTCI policy will define its benefit triggers, but individuals generally qualify for use when a health professional certifies that you require help with at least two daily activities, such as...
read moreDo Wearables Encourage Movement and Fitness
Fitness trackers have become a popular trend over the past several years, with an estimated 102 million devices sold by the end of 2016. But does strapping on a device that provides personalized health data help you improve your lifestyle and stay fit? Expert opinions vary. Here are a few pros and cons based on recent scientific research. Benefits of Wearables More steps: Research dating back to 2007 found that individuals who used pedometers engaged in more physical activity than participants who didn’t wear such technology. The...
read more4 Tips to Help Realize Your Goals
It’s a new year, which means updated goals and strategies. Maybe you’ve wanted to quit smoking, lose a few pounds, write a novel or get out of debt. Whatever your dream may be, the thought of achieving it can be daunting. Below are four tips to help you attain whatever changes you decide on. Set and Visualize Your Goals Try following in the footsteps of iconic swimmer Michael Phelps, who lists out his goals, looks at them regularly and checks on his progress each day. The 23-time gold medalist has written down his...
read moreWith Depression, Knowledge Is Power
According to the World Health Organization, depression affects an estimated 350 million people worldwide; yet fewer than half receive treatment. Despite an increased awareness of depression and other mental illnesses, a social stigma about these disorders still exists. Help fight it by educating yourself on depression and its common symptoms and treatment strategies. Signs It’s More Than a Feeling Friends and family of sufferers may confuse symptoms of depression with ordinary sadness, but they’re distinctively different. A sense...
read moreOne Small Mistake
“All Because of One Small Mistake.” That is what a client just said to me recently during a significant loss they just suffered. That one small mistake financially, devastated his business and his life. Depending on the nature of an insurance loss; it can bankrupt you, put you out of business, cause an emotional break down and more. I know that seems like a scare tactic, but it is true. I have personally witnessed it happen to my client. I get it, our lives are busy. We have so many irons in the fire and so many things we are...
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