Monthly Archives: December 2019


Baby Boomers Guide to Social Security
What baby boomers need to know about Social Security After years of paying into the system, Baby Boomers are either preparing to enroll or are now eligible to collect Social Security benefits. Starting the process of signing up for Social Security can be a daunting task as you begin your […]

The Baby Boomers Guide to Social Security


When you finally decide to purchase a life insurance policy chances are you will go through extensive life insurance underwriting. Compared to health insurance underwriting, Life insurance underwriting can make you feel like you’re being interrogated by the police. The process is very extensive going back many years for your […]

Life Insurance Underwriting: What you Should Expect Before Applying


The Importance of Budgeting A budget can seem lame, boring and time-consuming. However, budgeting is one of the most important skills you can ever learn. Learning how to have a strong financial future is the best way to success. What is a budget? A budget is an estimate of expected […]

The Importance of a Budget



Family Budget: What do you do with Money and Why? In a previous article, we broke down the monthly budget for a single person in a one-bedroom apartment. In this post, let’s look at a family budget. We are examining a family’s income in addition to their expenses. It seems […]

Family Budget Examples : What do you do with Money ...


Budget Examples and Considerations Before we look at some budget examples, let’s talk about money. It seems that all we want to do these days is to spend money. But where does your money go? Let’s break down the average American salary. $56,516 is the median average salary. $56,516 a […]

Budget Examples and Considerations – For Individuals


What is Debt to Income Ratio? What is Debt to Income ratio? Debt to Income Ratio is the ratio that defines your net worth. Net Worth is the number that combines all your liquid and non-liquid assets together and subtracts your debt. Your Debt should be less than your assets. […]

What is Debt to Income Ratio?




How can I pay down my Student Loans Student Loans can be extreme. Especially when college is at an all-time high in terms of cost. More and more Americans are facing a large debt ratio. With the job market being what it is, it’s relatively easy to find a decent […]

How can I pay down my Student Loans?


401(k) Plan Contribution Deadline
When should I start saving for Retirement? We hear this question often. The simple answer is, start saving as early as possible. The sooner the better. Here’s an example for illustration purposes. Let’s say the plan you and your agent set up calls for you to accumulate a certain amount […]

When should I start saving for Retirement?



What kind of Exams do I Need to Qualify for Life Insurance? Getting life insurance can be simple or, sometimes, it can be a complicated process. Part of that process is getting a physical exam done. Most life Insurance companies require some type of physical exam to be completed in […]

What Physical Exam Do I Need to Qualify for Life ...