The recent presidential debates mention student loan burden, but never specifically the student loan burden for those with disabilities. There is a program called the Total and Permanent Disability (TPD) Discharge, which addresses debt burdens for those with disabilities.
Paid parental leave is a rarity in the United States, making us one of the advanced nations without it. However, it may slowly be catching on.
Regulations are complicated. Healthcare insurance is baffling. Laws are complex. The Affordable Care Act exchange combines both laws and insurance. Need help. Here are answers to the basic questions.
More information about the size of the insurers’ network of doctors and hospitals, more standardized out-of-pocket costs, more warning about unanticipated out-of-network medical, and higher premiums are several Obamacare changes for 2017.
Recent research findings between money and happiness appears to run counter to the many decades of research that show a poor relationship between money and happiness. So can money buy happiness? This research points to the fact that it can to a certain extent.
Financial concepts can be confusing to teach and learn about. School’s typically do not take the responsibility of teaching kids about them, and the task if left up to the parents. Whether you’re the student or the teacher in this situation, here are three financial concepts worth knowing about.
Forty-six percent of adults say they either could not cover an emergency expense costing $400, or would cover it by selling something or borrowing money. This is attention-grabbing and a potential wake-up call for building an emergency fund. But an emergency fund is just the first step, financial preparedness, which includes disability awareness needs to be considered as soon as you cover your emergency funds.
One of the first steps in financial preparedness is an emergency fund; one of the next steps is to protect your income with disability insurance. Nearly half of respondents had debt or unpaid balances left over from the surprise medical costs, which averaged $2,782.
Our hope for all those who answered the last statistic is that they were not confronting a loved one who became disabled and temporarily or permanently lost his/her ability to earn a paycheck.
Are you still using or anticipating using the four percent retirement rule? Maybe you ought to think twice before doing so. This rule was a great rule of thumb when it was created in the mid-90s up until about 10 years ago. Then interest rates plummeted, and with them, the efficacy of the four percent withdrawal rule.
Excuses. Excuses. Excuses. Do you use them when justifying not purchasing Disability Insurance? If so, here is a compilation of popular excuses, and why these excuses, once looked at a little closer end up to be largely unfounded.