Healthy Finances

Healthy Finances

As thousands of proud parents celebrate the graduation of their children, many graduates are looking forward to being on their own. Living independently is a significant change. Here are some tips for new graduates. Have a spending plan Without a budget or spending plan, it’s easy to spend everything you…
Did you ever wonder how much of your income you should save for retirement? Financial advisors may offer some general guidelines, although there are so many different recommendations that this can be confusing and discouraging. For years many advisers suggested using an 80-10-10 ratio, living on 80 percent, saving 10…
If the recent financial turmoil has taught us anything, it’s that maybe we should pay attention to the age-old clichés that our parents and grandparents passed on to us. “Take it one day at a time” is the new reality for most Americans when it comes to financial recovery. “Don’t…
In February we take a break from winter’s icy grip to celebrate Valentine’s Day. Some of the most popular gifts include cards, candy, flowers and an evening out. What do you like to receive? While most people agree it’s important to express love on Valentine’s Day, people sometimes disagree about…
The money taken out of your paycheck every month may be unwelcome now, but it can give you monthly income later in life.  However, some question if Social Security will last long enough for those in the workforce now to be able to receive these benefits. According to Social Security…
It’s a fact: People today are living longer. Although that’s good news, the odds of requiring some sort of long-term care increase as you get older. And as the costs of home care, nursing homes and assisted living escalate, you probably wonder how you’re ever going to be able to…
No matter where you are in your life, you have a lot of decisions to make. When to buy your first house. What school to attend. Is it the right time for a job change? As things change in life, those changes influence your financial decisions too. Following is a…
Saving is the first step. Next is to decide how to protect your savings and make them last. When discussing retirement, there are dozens of questions you can ask yourself. Do you want immediate access to your money or do you want guaranteed income over your lifetime? Keep in mind…
If you are the parent of a college-bound student, you may soon face a whole new world of an empty nest, financial aid and questions about doing laundry. What you might not realize, though, is that with this new transition, there are some important considerations you need to keep top…
Few people would pass on the opportunity to save money. Clipping coupons, redeeming discount codes and shopping sales are par for the course for the average consumer. What some may not realize is that shopping on particular days of the week or during certain times of the year can yield…
Government? Insurance companies? Doctors? Hospitals? Employers? Or should it be us, and our families and friends working with health professionals to decide how we spend money on health care? This is part of the debate that is moving through our government legislative process as the U.S. House of Representatives have…
Many people in the market for new vehicles intend to lease or finance a car once they find the make and model they want. Such an approach will necessitate a credit check. Credit checks make some consumers, even those who have relatively good credit, uncomfortable. But when managed well, credit…
Buying health insurance has become very expensive. For many years, most of us received health insurance through our employer’s group plan. We paid little or nothing toward the premium and out-of-pocket costs. We never got a bill, because the group health insurance plan paid it. To show you a perspective…
Conventional wisdom suggests buying a home makes more financial sense than renting. In many cases, this is true. However, renting is sometimes a smarter approach than buying. As with any financial decision, all of the options and circumstances need to be weighed before jumping in. Making a major purchase requires…
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