Disability insurance addresses lost wages that stem from an inability to work. Long-term care insurance, in contrast, addresses expenses associated with medical care provided to you in your home, a nursing home, a rehabilitation center, or an assisted living facility. [images style=”1″ image=”http%3A%2F%2Frebelfinancialllc.com%2Fwp-content%2Fuploads%2FHandicap_DI_LTCi-Green-250×250.jpg” width=”250″ align=”left” top_margin=”40″ bottom_margin=”40″ left_margin=”20″ right_margin=”40″ full_width=”Y”] Disability insurance policies may address […]
Archive for October, 2014
Self-employment is an important career choice for many people, and it is an option elected by many seniors and baby boomers. But with this choice comes the need to provide your own health insurance, which can be a formidable expense. And, thanks to the Affordable Care Act, a necessary one starting in 2014. If you […]
Popular investing wisdom states that the younger you are, the more time you have to ride out market cycles and therefore the more aggressive and growth-oriented you can be in your investment choices. But that is not how individuals surveyed recently are thinking or behaving with regard to their retirement investments.In fact, the new study […]
When the growing problem of student loan debt is discussed in media reports, most of us assume the borrowers in question are young people in their 20s and 30s. But new government research has revealed that the number of Americans aged 60 and older who are still saddled with unpaid student loans has risen precipitously […]
While nature offers four seasons, Wall Street offers only one—four times a year. It’s called “earnings season,” and it can move the markets. So what is earnings season and why is it important?Earnings season is the month of the year that follows each calendar quarter-end month (January, April, July and October) in which many public […]
Some individuals believe that the return on investment shouldn’t be the only criterion for how they invest their money. For them, the social impact of investing is just as important—perhaps, more important.The history of socially responsible investing stretches at least as far back as the mid-18th Century, but its more modern form began taking shape […]
This morning 130 million Americans began their day in the same way—drinking their first cup of coffee.¹ Few, if any, took a moment during this morning ritual to contemplate or marvel the complex journey that brought their coffee from farm to kitchen table.Coffee is the U.S.’s largest food import.² It wields an economic impact that […]
For as long as there has been a stock market, investors have sought a reliable framework to determine the future direction of prices. Success has been elusive. But thanks to the work of three American economists, we operate today with a better understanding of what determines an asset’s price than the generations of investors that […]
“This generation got no destination to hold We are volunteers of America” “Volunteers” by Jefferson Airplane¹ Those of a certain age will recall these Jefferson Airplane lyrics as a call to action, though for a different period and place. Even with the passage of time and through a lifetime of changes, the desire of baby […]
The average credit card balance in March 2014 was $15,252, down from its peak of $19,000 in early 2009.¹ With the average credit card annual percentage rate sitting at 14.95%, it represents an expensive way to fund spending.²Which leads many individuals to ask, “Does it make sense to borrow from my 401(k) to pay off […]