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Want to Retire with Peace of Mind? Get the Best Life Insurance and Estate Planning for Seniors
Getting older is full of changing seasons and priorities. While you may also be confronted with more existential concerns, a whole new set of financial concerns is looming. Between budgeting for your golden years and continuing to support your loved ones, retirement requires careful planning. And, of course, you want to at least maintain your lifestyle after you retire. You want to enjoy your retirement! You don’t want to stress out about anything except where to spend your free time. And you definitely don’t want to worry about finances. That’s why our top pick for life insurance and estate planning [...]
Financial Planning in the New Year: 5 Tasks You Can Do Today
January is traditionally the time for evaluation and new beginnings—particularly when it comes to financial planning for the new year. And this is especially true right now! The COVID-19 pandemic radically changed the financial lives of many Americans. Investment accounts went up and down like out-of-control carnival rides. The housing market came to a screeching halt, followed by a huge boom. And researchers estimate that, although the official unemployment rate stands at 6.7%, unofficially, there are likely more than 31 million Americans not working who should be. Whatever your financial experience in 2020, you aren’t alone. But the start of [...]
Everything You Need to Know About Multi-Level Marketing
Is Multi-Level Marketing Right for You? A Guide for Seniors Exploring New Opportunities So you’re retired or approaching retirement and thinking about the future. What will the next chapter of your life hold? Will you enjoy the permanent-vacation feel? Or will you spend time volunteering for a worthy cause? Maybe you’re worried you’ll get bored. Possibly you’re thinking about what working would look like for you. You aren’t alone. According to the AARP, one in five Americans over age 65 are working or looking for work. Some work past retirement age for financial reasons, but others enjoy the extra social [...]
Seniors Get Big Savings with Senior.com Open Box Deals
Discover Senior.com Open Box Deals: Affordable Solutions for Seniors No supplier chain is perfect, and sometimes items sold by Senior.com are damaged in the process of shipping or storing. What happens then? Well, actually something that will benefit you! Everyone loves a good deal, right?!? Senior.com doesn’t sell anything with minor cosmetic damage to the item (or even just to the packaging!) at the full retail price. Products that work perfectly but may have a few scratches or dents are sold at discount prices you can take advantage of. You can find these slightly damaged goods on the Open [...]
You’ve Unexpectedly Lost Health Insurance: Now What?
The year 2020, although we’re only nine months in, has been consistently inconsistent. Nearly every aspect of our daily lives has changed. And for many of us, it seems the effects—including lost health insurance—will be long lasting. The economic impact of the COVID-19 pandemic has weighed heavily on older Americans. There are currently 5 million unemployed people aged 55 to 70. And now, six months into the pandemic, many have given up on finding work again. So, since March 2020, 7% of Americans aged 55 to 70 have decided to voluntarily exit the workforce. And, while retiring early may sound [...]
This is What You Need to Know About Estate Planning During COVID-19
As the coronavirus continues to be an issue, more seniors are thinking about end-of-life plans and their estate planning. If this is the situation you find yourself in, there are some steps you can take to get started. Step #1: Know the estate planning terminology There are quite a few buzzwords related to estate planning. Familiarizing yourself with these terms, having a basic understanding of what they mean, and learning how they’ll impact your estate is an important first step to embarking on any end-of-life plans. So here are a few terms you should know: What is a Will? A [...]
Preparing for the Future: Financial Security After Your Spouse Passes
Do you have a plan in place to provide for the needs of your spouse? Many people don’t financially prepare for the future—especially when it involves the passing of a spouse—and understanding why is easy. Confronting the unavoidable reality of mortality isn’t pleasant. You’ve been saving for retirement your whole life, and every conversation has been about “we” not “me.” But you need to consider your future finances now, for the sake of you and your spouse. While no one wants to think about when their husband or wife passes, everyone wants their partner to live comfortably for the remainder [...]
Senior Financial Planning and Estate Planning: What to do During Times of Uncertainty
Senior financial planning and estate planning is a meticulously thought out course of action to ensure you enjoy the best possible retirement. Although time-consuming and sometimes painstaking, making these plans and successfully executing them is a rewarding process. But what happens when we face the unthinkable? We’re talking about the COVID-19 pandemic. This worldwide disruption has caused numerous financial and economic aftershocks, to say the least. On March 16, the Dow Jones experienced the second-biggest drop in history, even exceeding the crash of 1929, by losing 12.93 percent in a single day. But what does this mean for senior financial [...]
Final Expense Insurance: Is It Right for You?
Final expense insurance is an option you may consider as you organize your retirement details. In the event of your death, having a plan in place can help family members take care of your funeral and related expenses—without financial stress. But where do you start? There are many options to cover end-of-life costs. Additionally, talking to loved ones about death can be difficult. Here are some tips to get you started: 1. What is final expense insurance? Final expense insurance is a policy that you purchase to cover any expenses related to your death. That includes medical fees and funeral [...]
Long-Term Care Insurance: 3 Common Misconceptions
Like any insurance plan, long-term care insurance provides financial relief when you need it most. However, long-term care insurance is expensive. Given the expense, people put off buying a long-term care (LTC) policy or even making a plan for their future care needs. But if they do need it (and the odds are higher as people age), and care facility costs and home-care provider fees start to build up, the premium can provide financial support and peace of mind. Here are three common misconceptions why people think they don’t need an LTC plan and why rethinking that approach is important: [...]
