What is Medicare, and when did Medicare begin? Medicare is a national social insurance program, administered by the U.S. Federal Government since 1965. It guarantees access to health insurance for Americans ages 65 and older. Younger people with disabilities, as well as people with end-stage renal disease are also eligible. The program helps with the…
Qualified Tuition Plans (529 Plans)
Why are Qualified Tuition Plans Important? The cost of a college education continues to skyrocket. Between 2001 and 2011, prices for undergraduate tuition, room, and board at public institutions rose 42 percent, and prices at private not-for-profit institutions rose 31 percent, after adjusting for inflation. However, the economic benefits of a college degree are significant….
Long-Term Care Insurance: A Primer for Retirees
What’s long-term care insurance? Long-term care insurance is an insurance policy designed to reimburse you for expenses that could result when you reach an age when you are unable to take care of yourself. This is usually considered the point when you are incapable of performing day-to-day tasks such as washing, eating and getting dressed…
Financial Planner: Do You Need One?
The world of finance has become quite complex. As if investing is not difficult enough, it’s only part of what goes into your financial planning. With so many components, financial planning can be daunting and overwhelming — and that’s where your planner comes in. What’s financial planning? Financial planning includes budgeting and saving your money,…
Do You Have the Right Personality to be a Successful Entrepreneur?
You have two smart people: one turns out extremely successful in business and the other is an ultimate failure. So what’s the difference between the two? And what are the qualities of a successful entrepreneur? A Wanna-be-Entrepreneur I remember a wanna-be entrepreneur I met years ago. His name was Sam. Sam believed he had a…
Everything You Need to Know About Social Security
When did Social Security begin? The Social Security Administration (SSA) began in 1935 when the legislation forming the entity was signed by President Franklin Roosevelt. The SSA began as an independent agency, over the years has been a sub-cabinet agency and in 1995 once again became an independent agency. Today the SSA is led by…
How Life Insurance Can Give You and Your Family Peace of Mind
Like many Baby Boomers, I grew up with parents who worked for me to have a better life than they did. My parents never finished college and believed the ticket to a good life was a good education. So I went to college, graduated, found a job, married and had children. My wife and I…
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