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It’s never too early to start saving for retirement

According to a 2016 Retirement Income Strategies and Expectations survey, 70% of millennials are anxious about saving for retirement. So if you’re one of the millennials who gets anxiety every time mom or dad brings up the importance of your retirement funds, take a deep breath. Read more in the article It’s never too early…

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Trends in the ETF Market

In recent months, there has been a recent movement out of actively managed investments into passively managed instruments such as exchange-traded funds. Globally, ETFs gained more than $270 billion in 2016. An ETF is a single investment vehicle that tracks all of the securities within an index, a commodity, bonds or a group of assets…

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What If Medical Underwriting Returned?

If you purchased health insurance in the individual marketplace before implementation of the Patient Protection and Affordable Care Act of 2010 (ACA), then you’re aware of the challenges that came with that process. Applicants had to complete lengthy questionnaires detailing current conditions and all diagnoses and treatments (including history of prescription drug use) from their…

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Exercise That Doesn’t Feel Like Exercise

As we get older, it becomes harder for many of us to engage in the fitness and athletic pursuits we’ve enjoyed for years. It’s tougher — both mentally and physically — to play a full round of golf, two sets of tennis or take a daily two-mile walk. It also can be very discouraging to…

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LTC Insurance Considerations

The long-term care (LTC) insurance industry suffers from a similar malady as health insurance: When fewer people buy policies, insurers must charge higher premiums, which, of course, deters even more people from buying policies. With the graying of America, LTC insurance should be a booming business, but in recent years, it’s been rapidly declining. Last…

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What is a “safe” retirement withdrawal rate?

In an investment portfolio, the withdrawal rate is the monetary percentage from which a retiree draws from his account each year.  A “safe” withdrawal rate is a fixed percentage distributed as a systematic withdrawal that reasonably expects portfolio funds to last throughout the retiree’s lifetime. When determining your personal retirement withdrawal rate, it’s important to…

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At Home for the Duration

According to the National Aging in Place Council, at least nine out of 10 older adults would prefer to age in place rather than move to senior housing. However, while the prospect of living out life at home is overwhelmingly appealing, it’s not without challenges. One of the benefits of moving to a senior community is…

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Golden Rule: Do Unto Doctors…

It’s human nature to bristle when someone is rude to you. Despite efforts to maintain a professional veneer, rudeness can impact how people respond — even professionals who witness discourteous behavior all the time. This may be evident when a customer service representative stops being helpful, or when a referee seems to call more fouls…

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Fall Busters: Household Tips to Help Keep You from Falling

Planning to live out your life at home requires just that: planning. That means making adjustments that can make your life easier, even if they’re less attractive and present a constant reminder that you’re getting older. However, once you get used to them you’ll bare notice the eyesore — but you will begin to appreciate…

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The Role of College in Socio-Economic Circles

Some high school students painstakingly work to perfect their college applications and essays with the dream of going to the best school possible, for the best life possible. Others may not have to try as hard to achieve that goal. New data shows that the family you are born into has a significant impact on…

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