Health insurance is one of those things everyone needs but that nobody likes thinking about. Coverage can be expensive, and having to use your coverage often means that you’re sick or injured. There are many different types of health insurance, each with pros and cons. If you’re looking for a plan with a low monthly cost, a high-deductible health plan might be ...

According to data from the National Retail Federation, the average American consumer spent $659 on holiday gifts in 2019. That’s approximately 2% of the U.S. median personal income, according to data from the Federal Reserve Bank of St. Louis — no small chunk of change. For most Americans, completely doing away with the annual holiday gift-giving ritual simply isn’t realistic. At ...

Intermediate and sophisticated investors and traders use stock options to manage and mitigate market risk. Although not essential to ensure adequate portfolio diversification, options have tremendous strategic value and can dramatically increase returns when the bets they enable pay off. Of course, options trading is not without risk, which is why the novice investor would do well to steer clear ...

Once you become involved with cryptocurrency, one of the major questions becomes how to secure your holdings. The nature of cryptocurrencies is such that whoever has them can spend them, much like cash. A major concern is the chance that someone may take your cryptocurrency from you. There have been a handful of high profile and costly heists over the ...

Babies, toddlers, and many preschoolers don’t yet have firm opinions on what they want to be for Halloween. But parents still enjoy dressing them up so their little ones can have a special holiday too. Plus, there’s no beating the photo op when it comes to babies dressed in adorable outfits. And while you could buy them something from the ...

The man who started it all! James Marshall was born in New Jersey on October 8th, 1810. The eldest of four, Marshall would soon leave New Jersey – heading west like so many young men looking for a better life. He would settle in Missouri, farming on the Missouri River, until he contracted malaria. That would prompt a move even ...

What was I thinking?    For each of us on our retirement journey, we’re walking in the footprints left by those who have retired before us. If you’re one year away from retirement, you’re standing in the footprints I left in June 2017.  What was I thinking when I was a year away from retirement?  That thought led to a ...

As you are probably aware, each year your Social Security benefits can be increased by a factor that helps to keep up with the rate of inflation – so that your benefit’s purchasing power doesn’t decrease over time.  These are called Cost Of Living Adjustments, COLAs for short.  The increase for 2019 was 2.8% – and for 2020 the COLA ...

Oct 14th, 2019 by jblankenship. Photo credit: diedoe Elsewhere in this blog we’ve discussed inherited IRAs and how to handle them – but we have not covered all of the options for a Spousal Inherited IRA separately. There are some differences, specifically more options available, so this is an important topic. It should be noted that the majority of this ...

Every day we are bombarded with information. It can be difficult to wade through this sea of data and pick out the material that means anything to us. Of course, it doesn’t help that the existence of 24-hour news channels, social media outlets, and the scuttlebutt around the water cooler make it difficult to avoid. So how do we filter ...

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