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If your children are younger than the age of age, it is worth considering how you would like to pass on your assets. Because trusts are growing in popularity, this article reviews some of the important issues that you must consider if you are considering creating a trust for your…
If you have fewer than 35 Social Security credits and are married, you may be able to get your spouse’s requirement benefits if you are at least 62 years old and your spouse receives retirement or disability benefits. You are also able to apply for and receive Medicare at age…
If you are approaching retirement age, or are still in the middle of your career, understanding the Social Security program, and what income you can rely on when you retire will help you properly plan for your retirement. Social Security Credits + Full Retirement Age Eligibility for Social Security…
If you are navigating a divorce or recently lost a loved one, you might find yourself going through several complex estate planning documents. You might discover that you now have interests in one or several trusts. While you might have established a trust with a spouse to take care of…
Many people think that estate planning is a once and done process. In actuality, it is critical to constantly revise the terms of your estate plan. Not only can changes in your own life impact the terms of your trust, but estate planning law also changes frequently. Each year,…
More than 30 million Americans are living with diabetes. Many types of insulin can be used to treat diabetes and are usually described by how they affect your body. According to WebMd, insulin is a hormone that your pancreas makes to allow cells to use glucose. When your body isn’t…
Deciding to get divorced presents several considerations. While things like what will happen to your children as well as where you will live are likely at the front of your mind, estate planning is likely something that you have not yet begun to consider. It is a good idea…
In the early 2000s it was common for groups of seniors in Michigan to travel to Canada by bus to buy cheaper prescription drugs. Church groups, community groups, and senior citizen groups routinely organized these trips to help people buy their prescription drugs. Prescription drug prices are the highest in…
If you’ve had a 401(k) for some time, you’re aware that each year many factors influence the value of contributions. 2020 is shaping up to be a great year to make contributions to a 401(k) plan. The Internal Revenue Service recently announced its 2020 limits for plan contributions. Not…
There are many reasons, all quite valid, that people enter retirement with little to no savings. Prolonged medical illness, catastrophic life events, poor job prospects, or modest means, are just some of the many reasons that contribute to little to no retirement savings for many seniors. As children of such…