After weeks, months, or even years of searching for answers, a diagnosis – even a challenging one – can be a relief. There’s something extraordinarily powerful about being able to put a name to your symptoms and the cause behind them. However, that relief brings a hefty dose of its own fear and uncertainty with…
The thing about budgeting is that we all know we have to do it, and often the hardest part is getting started. The challenge is even greater for adults with disabilities. In fact, 1 in 4 Americans with disabilities have a hard time finding employment and thus experience financial insecurity. Their economic situation is aggravated…
How has the real estate industry changed over the past year? From full-time remote employment to social distancing measures, 2020 has been a year that constantly questioned the status quo and the way we interact with the world. The home buying process is one of the best examples of how a well-established procedure has adapted…
Retirement is something we all dream about. We often envision it as a well-deserved reward after a lifetime of hard work. We imagine it as a time of rest and relaxation, golden years of worry-free ease. The reality is far different for the majority of us. Studies show, for example, 23% of Americans have less…
For most people, October means pumpkin spice lattes and candy. But for HR people, it means “open enrollment” season. As you put together your educational information to introduce your team to their different options, one you might pay particular attention to is the use of high-deductible health plans (HDHP), specifically the ability to pair them with…
Happy New Year! Wait…aren’t we a little early (or a lot late) for that greeting? The truth is that for many people, September is the “real” new year, despite what the calendar says. And it’s easy to see why—after all that was traditionally the time we came back to school in a new outfit, maybe…
When it’s time to start a family, many parents-to-be are so focused on decorating the nursery and choosing the right car seat that they can overlook the life-altering impact a baby can have on their financial life. And we’re not just talking the exorbitant cost of diapers—we’re talking nearly 4 million dollars in “potential income.” These…
If you’re a typical gig economy worker, you have multiple income streams. Maybe you drive for Uber, deliver meals for Grubhub, serve as a virtual assistant for several clients, and write a regular blog that generates ad revenue. Having multiple income sources can be an advantage during uncertain times. But the downside of gig…
According to the Centers for Disease Control and Prevention (CDC), Work-related stress is the leading workplace health problem. Additionally, the World Health Organization (WHO) recently included “burnout” in its new edition of the International Classification of Diseases, describing it as “a syndrome conceptualized as resulting from chronic workplace stress that has not been successfully managed.” And the…
Many states across the United States have either initiated or passed legislation to offer paid medical and family leave to employees. If you have access to this benefit, you may question if you need supplemental disability insurance. The short answer is YES. While paid leave may offer financial assistance in specific situations, the need for…
