Nobody wants to think about what will happen to them as they age. This can include anything from needing specialized care to passing on. As difficult as it may be to handle these types of conversations, it is something responsible adults must do. It is good to know that there are many steps you can […]

Hawaii is more than a popular vacation destination for Americans and people around the world. It has a unique culture where caring for older adults, whose population there and throughout our country is growing, is a priority. Therefore, it shouldn’t be a surprise that Hawaii’s legislators are going to be considering the first public long-term […]

Dental hygienists living in the Golden State of California have it made. Well, if not “made,” they tend to earn a bit more in metro areas like San Francisco, Santa Cruz and Los Angeles, according to U.S. News & World Report. The average pay of a dental hygienist a few years ago was about $71K. […]

Many people don’t realize that their retirement savings plan is governed by regulations detailed in the Employee Retirement Income Security Act, which is widely known by the acronym of ERISA. However, plan sponsors know how to ensure compliance with ERISA, right? Sadly, too many admit that they don’t. According to a recent report by the […]

Nearly 10 million adults aged 65+ receive care at home or in residential care settings other than nursing homes. However, less than eight percent of Americans have long-term care insurance. The reasons for skipping long-term care coverage are numerous. Increased premiums, cancelled policies and confusion about coverage options have made Americans wary. Yet the 65+ […]

You buy insurance to protect many important things in your life. For example, home insurance protects your dwelling and many of your valuables. Car insurance protects your vehicle. While there is nothing wrong with buying these types of insurance, you may not be protecting your greatest asset: you. Most people who shy away from buying […]

If you’re choosing an individual long-term disability insurance policy, selecting from among the various policies and options can seem overwhelming. You want to get the most coverage for your money. However, sometimes saving money on premiums can mean paying a lot more out-of-pocket down the road if you need to make a claim. When younger […]

There could come a time in the future when you need to pay for nursing home care. Nobody wants this to happen to them, but it’s a definite possibility. For this reason, you need to plan for the worst. This means knowing how you will pay for nursing home care. First things first, you always […]

It’s not what you know. It’s who you know. Whether or not you feel appreciated at work comes down to that old adage. Usually it means you’ve been promoted to a dream gig by a big shot, someone of influence or prestige, who had the power to put you where you wanted to go. Often […]