Healthy Finances

Healthy Finances

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…
Identity theft is a pervasive problem. According to figures from the Bureau of Justice Statistics, an estimated 17.6 million people, or about 7 percent of U.S. residents age 16 or older, were victims of at least one incident of identity theft in 2014. Identity theft is not just a problem…
The job market is fickle, and no one is immune to layoffs. Although the unemployment rate in the United States dipped to 4.9 percent in June 2016 and Canada’s rate hovered around 7 percent in May 2016, the job market remains somewhat unpredictable. Preparing financially for unemployment can be prudent,…
Auto insurance is a necessity for drivers in many localities. But while local laws may mandate drivers have insurance, no such laws mandate how much drivers must pay to insure their vehicles. Certain factors can influence just how much drivers will pay for their auto insurance policies. 1. Complacency: Doing…
Millions of students graduate from colleges and universities each year. Upon earning their degrees, many students shift their financial focus from paying tuition to repaying their student loans. Student Loan Hero, a loan consolidation and management company, says Americans owe nearly $1.3 trillion in student loan debt. The average member…
Nonprofit organizations and charities do extensive work to help people and fulfill their missions. When commercials, emails or direct mail pamphlets tug at the heartstrings, it’s understandable to want to help as quickly as possible. But just as there are scores of legitimate organizations banking on the generosity of willing…
Shoppers across the country routinely make the holiday season one of the biggest spending periods of the year. American Research Group, Inc., said that in 2015 the average predicted expenditure on gifts equaled $882, which was up from $861 the previous year. Many holiday shoppers worry about whether or not…
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