Is Paid Parental Leave Coming to A Company Near You?
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.
There Are No Dumb Questions: The ACA Exchange
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.
Four Obamacare Changes Expected for 2017
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.
Can Money Buy Happiness?
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.
Three Financial Concepts You Didn’t Learn In School
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.
Building an Emergency Fund with an Eye To Disability Insurance
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.
A Measure of Our Financial Preparedness
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.
Has The Four Percent Retirement Rule Lost Its Usefulness?
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.
Top Excuses For Not Purchasing Disability Insurance
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.
529 ABLE: Tax-Free Savings for Persons with Disabilities
Don’t miss out on a great way to ease the financial strain faced by people with disabilities by creating tax-free savings accounts, a 529 ABLES. These savings accounts do not replace benefits provided through private insurance, Medicaid, or supplemental security income.