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The_Money_IDEAThe Money IDEA

The Money IDEA

Ideas on How to Save and Ideas for What to Do with Your Savings!

The truth about life insurance

1/23/2019

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Do you know what you need to know about life insurance?

(BPT) - If you haven't made solid financial plans, now would be a good time to consider a life insurance policy to protect you and your family in your time of need - or protect your loved ones in your absence.


Given the importance of life insurance, it's surprising that 37.5 million American households lack such a policy, according to the 2016 Facts About Life study by the industry group LIMRA. That may be because many people misunderstand how such policies work and how much they cost. For example, recent Insurance Barometer studies by LIMRA and Life Happens found 63 percent of Americans cite expense as the reason they don't carry term insurance, yet 80 percent overestimate the cost - millennials by 213 percent and Gen Xers by 119 percent.


While some Americans hope to rely on other sources to protect their families, they may not realize all the benefits life insurance offers. Every family has different needs, and some life insurance products are flexible enough to offer customizable options to provide a measure of financial security to your spouse and children - the people that matter most.


Consider these other common myths about life insurance:


Myth: Life insurance is only available through financial advisors. In fact, quality policies for your entire family are often available through your employer or your spouse's employer. For example, Boston MutualLife Insurance Company offers a range of workplace solutions paid for by employers, employees or both, including permanent life, term life, critical illness, accident and disability insurance. Talk to your company's HR department about the process involved in securing comprehensive coverage for your family.


Myth: Workplace policies can't offer enough options for your needs. You'll find that well-established life insurance companies understand the market well enough to offer a range of flexible products, including policies that are payroll deductible, stable in cost regardless of your age, portable when you're changing jobs and available with add-on riders or other insurance types through the same carrier.


Myth: Young, healthy people don't need life insurance. The truth is, your health can change at any time and it's best to expect the unexpected. Uninsured people can easily leave behind personal, medical or mortgage debts and/or funeral expenses that end up burdening family members or executors when they die.


Myth: Your life insurance policy only covers you, not your family. Not true. Some products protect you, your spouse, your dependent children and even your grandchildren, often at one affordable cost. That's why marriage and becoming a parent can be excellent reasons for buying new policies.


Investing in life insurance is a crucial step to take to protect yourself and your family from unexpected losses. But it doesn't have to be confusing or complicated. Find more detailed information about life insurance options for you and your family at www.BostonMutual.com.



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What should you be doing to prepare for retirement? Top tips and tactics from financial advisors

7/10/2018

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Top tricks to prepare for retirement

R​etirement is waiting just around the corner. People need good advice to help them build their nest eggs before "someday" becomes "now."   Here are the best tips, advice and tactics for retirement planning from the top financial advisors in the business.


(BPT) - You're 10 years or less away from retirement. You can clearly see the next phase of your life down the road and it's coming up fast. Are you ready for it? Do you have a comprehensive plan in place so you don't outlive your savings?

If you're not as prepared for retirement as you should be, you're not alone. The Federal Reserve did a study and found that one-fourth of Americans have no retirement savings or pension. And a Money article reports 56 percent of Americans have less than $10,000 saved.

Why aren't more people prepared? There are myriad reasons. Some people are stretched thin. Credit card debt, student loans, rising mortgage and interest rates all conspire to make it difficult for them to save. Others may lack information on the importance of retirement savings, or lack the financial savvy to be comfortable managing their own investments. And then there's the gap between men and women. The Federal Reserve’s study found that among women with any level of education, investment comfort is lower than among similarly educated men.

Yet, retirement is waiting just around the corner. People need good advice to help them build their nest eggs before "someday" becomes "now."

That's why the National Association of Personal Financial Advisors (NAPFA), a national organization representing Fee-Only financial advisors, conducted a poll of its members to get their top tips and advice for people who are nearing retirement. They want to raise consumer awareness about the urgency of preparing for retirement and the importance of having a comprehensive plan in place.

Here are the best tips, advice and tactics for retirement planning from the top financial advisors in the business.

1. Make a list of retirement “needs” and “wants.” If you do not have enough savings for all of your “needs,” make a ten-year plan to increase your funds.

2. Take a hard look at any major debts you have and develop a plan to eliminate them.

3. Brainstorm any “big ticket” financial commitments (caretaking for a family member, etc.) for the next 10 years and consider how these items might affect your ability to save for retirement.

4. Continually monitor and analyze your asset allocation to make sure it is the right one for you. Understand whether you should move to a more conservative asset allocation or continue investing for growth.

5. Be tax efficient with your investments. For example, you should defer as much of your salary as you can to your defined contribution plans.

6. Save to an emergency fund and stay aware of your company’s financial situation. Companies are prone to reorganizations and layoffs, and older workers can be vulnerable.

7. Ask your HR department about the relationship between your current health insurance and Medicare, as well as what your options are when you reach age 65. Get information about any pension or defined contribution options and any other retiree benefits.

8. Research when stock-based compensation might expire and what stock awards you can retain after retirement.

9. Double check your reported Social Security earnings and resolve any discrepancies now. Explore your Social Security claiming options and make sure you understand the timing of applying for benefits.

10. Make sure that all of your estate documents are up-to-date. Verify that your named executors and proxies know your wishes and are willing to act on them if needed.
​
If you think you’ll need help creating and sticking to a financial plan, NAPFA recommends working with a Fee-Only financial advisor who adheres to a strict fiduciary standard. These advisors are required to put your best interest first and don’t accept commissions on the products they recommend, which reduces potential conflicts of interest. For more information and resources on retirement planning, check out NAPFA’s infographic about the poll. To find a Fee-Only financial advisor in your area, visit the NAPFA website at www.napfa.org and NAPFA’s “Find an Advisor” search engine.

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An underutilized retirement strategy

2/19/2018

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(BPT) - Across the nation, thousands of seniors have used a Home Equity Conversion Mortgage (HECM), commonly called a reverse mortgage loan, as a savvy way to access the equity in their homes as part of their retirement strategy.

Those who are interested in a reverse mortgage loan should know that there are six main phases to the process: 1) educating and qualifying, 2) counseling, 3) approval, 4) funding, 5) using and 6) settling.

1. Educating and qualifying

The HECM process begins by contacting an FHA-approved lender who will review the borrower’s situation, educate them on the HECM program, and determine if they would likely qualify for a reverse mortgage loan.

“Once the lender has determined that the borrower is eligible, they work closely with them to shape the loan so it fits their needs,” says Paul Fiore, Chief Sales Officer for American Advisors Group, the leading reverse mortgage lender in the nation. “At AAG, this is a highly personalized process designed to give the borrower the best outcome for their financial situation.”

2. Counseling

Once qualified, borrowers are referred to reverse mortgage counseling, an important consumer safeguard mandated by the government. During counseling, a HUD-approved HECM counselor reviews the borrower’s needs and circumstances. They consider how the funds might best be distributed, the financial and tax implications, and whether a HECM is right for them. If so, an application is submitted to the lender.

3. Approval

Next, the property will be appraised, and after that the approval process will begin. Before closing on the loan, borrowers will choose between several loan disbursement options, from taking it all out in a lump sum, receiving fixed monthly payments, opening a line of credit or any combination.

4. Funding

After the closing papers are signed, the homeowner has three business days to change their mind and cancel the loan (except if the loan is being used to purchase a new home). After the rescission period has passed, the funds are ready to be paid out through the payment option selected, subject to an initial disbursement limit that is determined by HUD.

5. Using your loan

The loan servicer will generally disburse funds via direct deposit or mail on the first business day of the month, following the funding of the loan. The borrower can live in the home as long as they like without making monthly mortgage payments, as long as they continue to pay property taxes and insurance on the home, maintain it in good condition and comply with any other loan terms.

6. Settling your loan

If the last surviving borrower sells or transfers the property, passes away, or does not use the property as a principal residence for more than 12 months, the loan has reached a “maturity event,” meaning that the loan comes due and no further funds can be disbursed. Borrowers also have the option of paying off their loan in full at any time without penalty.

Following a maturity event, an appraisal will be ordered by the loan servicer to determine the property’s current market value. The heirs can sell the property to repay the loan, or purchase the property for 95 percent of its appraised value. Since HECMs are non-recourse loans, the proceeds from the sale of the home are the only asset that can be taken to pay the loan’s balance, even if the loan amount exceeds the value of the home.

A home equity conversion mortgage can be shaped to fit an individual’s needs. With new consumer safeguards in place, many seniors are discovering that it is an important part of their retirement strategy.


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Why Everyone Should Plan for Long-Term Care

8/2/2017

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Daughter discussing long-term care planning with her father

Research suggests that most Americans turning age 65 will need some form of assistance with everyday activities, known as long-term care, as they grow older. The amount of care needed will depend on many variables, including overall health, cognitive functioning and home environment. Three simple steps can help you start planning for care you may need as you age.


Why Everyone Should Plan for Long-Term Care

(Family Features) Research suggests that most Americans turning age 65 will need some form of assistance with everyday activities, known as long-term care, as they grow older. The amount of care needed will depend on many variables, including overall health, cognitive functioning and home environment.

Age is a strong predictor of the need for help, and because women live longer on average, they are more likely than men to require long-term care. Factors such as a disability, injury or chronic illness also increase the chance that long-term care will be needed.

Three simple steps can help you start planning for care you may need as you age.

1. Know what to expect
Most people know they should save for retirement, but many don’t know exactly what expenses to expect. An often overlooked area is long-term care, a broad set of supports for everyday tasks like dressing or eating. While most of this care is provided by family members and friends, sometimes older adults and their families get these services from providers like home health aides, area agencies on aging or residential providers such as assisted living or nursing homes.

Understanding long-term care is the first step in creating a plan. Key things to know include:

  • A person who lives alone is more likely to require long-term care than one who can rely on a spouse or partner for help with daily tasks.
  • Long-term care is expensive and represents a major uncovered risk to your retirement savings.
  • Medicare does not pay for long-term care services or supports with some minor exceptions. Neither does your employer-based health insurance or Medigap.
  • Most people prefer to receive long-term care at home; their odds of doing so may be improved by making home modifications to reduce the risk of falls.
  • Many Americans say they do not want to rely on their children for care, but a lack of planning for paid care often leads to exactly that result.

2. It’s not just about you
A choice to plan or not plan will likely have a big impact on family and friends who may also be informal caregivers. Statistics show that most long-term care is provided by family members or other loved ones.

Take the time to make clear your preferences for what kind of help you value most and where you want to receive it. Family and friends will feel better knowing that you are thinking about your needs – and theirs – by planning for long-term care.

3. Better active than reactive
Be proactive. Staying at home is great, especially if it has been modified to help you avoid an injury and continue to care for yourself. However, it won’t happen without taking steps to ensure you can get the supports you need at home. Start thinking about ways to maintain your independence, safety and care needs.

For more information and resources to develop a care plan, visit longtermcare.gov.


  SOURCE:
Administration for Community Living

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Secrets smart investors use year-round to save on their taxes

4/3/2017

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(BPT) - Come tax time, many people work to locate tax breaks. While this is always a smart financial move, a little-known way to help build your net worth is to keep taxes top of mind throughout the entire year.

Reducing taxes means you keep more of what you earn, according to Nick Holeman, a financial planning expert at Betterment.com.

"You can't control the stock market, but you can control some of your taxes," Holeman said. "Knowing how your investments affect your tax bill can help you save money not just on April 15th, but for years to come."

Check to see whether your long-term investment strategy is running efficiently with these tips from Holeman.

Invest your tax refund:
One smart place to invest your tax refund is in an IRA. Normally, investors might divert a portion of the refund into this account as part of a well-rounded investment strategy and claim the deductions for next year's tax time. Invest your refund, and you may get a portion of that back in tax savings. Stay in the habit of investing that refund if you can and watch those small returns add up over time.

Think several moves ahead:
Investing is complex and from time to time you will have to sell some of your investments; everybody does. It might be to rebalance your portfolio or maybe your goals have changed and your investments no longer match their intended purpose.

Still, smart investors need to think ahead before blindly selling parts of their portfolio. This is because selling could potentially lead to taxes. By carefully choosing which investments to sell, you can help minimize that hefty tax consequence.


One way to do this is to partner with an investment company that has the tools to make this information easy to access and understand. Betterment.com, for example, offers Tax Impact Preview, which lets investors see estimated potential tax on a sale before making the trade. If you don't think the pros outweigh the cons, don't do it.


Reorganize your investments:
Another way to potentially leverage even small tax advantages into long-term growth is to build your portfolio like an energy-efficient engine, built to run for more miles with less need to refuel. You can help accomplish this by reorganizing your portfolio. Move inefficient investments like international stocks and other assets that are taxed more often into a tax-deferred account, such as an IRA or a Roth IRA. That way, you can enjoy the high growth for less tax. Then, move less-taxed assets, such as municipal bonds, into taxable accounts.

Benefit from losses:
Help keep your portfolio in balance by selling off the laggards and replacing them with a similar investment. You can receive a tax deduction from your losses that can help cancel out the taxes you owe on assets that have gains. This is done automatically for investors at many automated services through a strategy called tax loss harvesting. Smart investors should always remember that investments involve risk and may result in loss.

Give to a worthy cause:
While it's important to secure your future, many investors see community support as an important goal. Consider donating a to a nonprofit organization in your community. Not only are you helping to improve the quality of life in your locale, you can potentially claim a deduction from your income tax. It can pay to do the right thing.


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Money Alert: 5 Smart Strategies to Settle an Estate

12/19/2016

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5 Smart Strategies to Settle an Estate

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(Family Features) When a parent passes away, it’s usually left to their offspring to manage and disperse the remaining estate. In the wake of such a loss, emotions can run high, and the sheer amount of paperwork can quickly become overwhelming.

If you’re in the throes of settling an estate, whether by yourself or with the assistance of your siblings, consider these tips to help chart a smoother course.

Get organized. Keep a seemingly endless to-do list manageable by writing everything down. Create a system for prioritizing each task and if there are others who are willing to help, delegate what you can. Establish categories such as bills to pay and other outstanding debts, accounts to close, agencies and organizations that need to be notified of the death and so on.

Know your limits. Some estates are simple and straightforward: There’s a basic will, few assets, known heirs, and it’s easy to grasp what happens next. Others are far more complicated. If you find yourself in over your head, seek help from an expert such as an estate attorney who can guide you through the legalities and paperwork.

Focus on solutions. Remember that even the most seemingly hopeless situations can turn out well if you remain open to exploring solutions. When Karen Jones’ mother passed away, she and her four siblings were left with a house that needed a lot of repairs none of them could afford before it could be sold. Jones learned about HomeVestors from a sister and the two scheduled a free consultation with a local independently owned and operated franchise.

Within 24 hours, Aaron Katz with WinWin Properties presented an offer not only to Jones, but individually to all of her siblings who were not able to meet at the same time. Jones credits Katz’s professionalism, kindness and sensitivity during a difficult time for her family.

An option such as HomeVestors, the largest professional house buying franchise in the nation, offers cash payments and quick closing, which can be helpful in settling an estate. In many cases, homes can also be sold as-is with no repairs and with unwanted contents still inside.

Expect the unexpected. It may come in the form of a change in the will or old letters stashed in a closet, but it’s a safe bet that in settling the estate, you’ll come across something you weren’t expecting. Add this to the emotional simmer you’ve been holding steady and this may be the tipping point to boil you over. Simply put the new information on the back burner for now and return to it later, when you can deal with it more rationally and avoid letting a surprise stain your memories.

Take a break. In the aftermath of a loss, many survivors switch to autopilot, not only to distract their minds from the loss but to regain some sense of control in a situation that can feel helpless. While this coping mechanism may answer a short-term need, be sure to allow yourself time to properly grieve and avoid taking on so much that you neglect your own physical needs, such as food and sleep.

Settling a loved one’s estate isn’t likely to be easy, but taking it all one step at a time will help you take care of business while you make sure you’re still taking care of yourself.

For more information, visit homevestors.com.

Photo courtesy of Getty Images

SOURCE:
HomeVestors
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Navigating Volatile Markets for a Secure Retirement

6/2/2016

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Navigating Volatile Markets for a Secure Retirement

(Family Features) Persistent and significant stock market swings, combined with shifting workplace structures and an outdated retirement benefit system, are profoundly impacting Americans’ ability to save and prepare for a secure retirement.

In fact, a quarter of Americans age 50 and over exhausted all of their savings during the 2008 recession, according to a recent AARP Public Policy Institute report. And, at the same time, almost one-third of older Americans said their home declined in value, meaning they could no longer count on rising home values to help fund their retirement.

In order to protect your nest egg against market volatility, experts recommend ensuring you have a balanced financial portfolio that includes conservative, low-risk products that are less impacted by stock market volatility.

“The single most important step Americans can take to mitigate risk is to diversify their portfolios,” said Jim Poolman, Executive Director of the Indexed Annuity Leadership Council. “Sitting with a financial planner and using a retirement calculator can help you determine where you are, where you want to be and what savings vehicles can help you get there.”

While there are no surefire ways to avoid the effects of stock market instability, there are some things you can do to reduce the likelihood that you will suffer the consequences in the future, and things you can do during a market downturn.

Start saving now. Many people are focused on paying down student loans and other debt, or concentrating on more immediate goals like buying a house and children’s college funds. However, the cost of putting off retirement savings adds up. Every six years you wait to start saving, the monthly amount you need to save to reach the same retirement income doubles.

Avoid putting all of your assets into one type of account. While contributing to an employer’s 401(k) is a terrific start, it’s often not enough. To build a solid retirement plan, don’t underestimate the importance of a balanced financial portfolio. Your level of risk should reflect your age and your retirement goals. For example, younger savers have more time to recover from risk than those nearing retirement. One option to provide balance to your retirement portfolio is adding a Fixed Indexed Annuity, which protects your principal and can provide a guaranteed stream of income in retirement, regardless of market ups and downs.

Create a retirement plan based on actual needs. A study by the Employee Benefit Research Institute found 39 percent of people guess how much they will need to save without actually calculating their retirement needs. Using calculators can help determine your specific retirement income needs so that you can plan accordingly. Calculating just your living costs isn’t enough – also take into account rising healthcare costs, inflation and longer lifespans.

Monitor and adjust your savings strategy. Volatility in the stock market can affect your savings, as do your current expenses and future needs. Additionally, career changes and family situations can change how you should be saving. Leading up to retirement, your last few years of savings will be different than when you were first starting out in your career. A good rule of thumb is to spend five minutes every five years revisiting your retirement plan to make sure your savings reflect your needs and adjust for market conditions.

Learn more about options for managing your retirement account at FIAinsights.org.

Photo courtesy of Getty Images

SOURCE:
Indexed Annuity Leadership Council


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Am I insurable? 3 steps to take

6/2/2016

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At some point in our lives, perhaps when a personal experience jolts some serious thinking, many may even wonder, "Am I insurable? Am I eligible for life insurance?" And for those who have experienced health issues, they may be surprised to hear that the answer may be yes.


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(BPT) - Most people intuitively know the benefits of good health. Some work hard to maintain their health throughout their lifetime, and others not so much. Despite the best or worst intentions, health complications can occur at any time which may impact many areas of life, including finances.

At some point in our lives, perhaps when a personal experience jolts some serious thinking, many may even wonder, "Am I insurable? Am I eligible for life insurance?" And for those who have experienced health issues, they may be surprised to hear that the answer may be yes.

For example, MassMutual has been offering life insurance coverage to breast cancer survivors since 1964. Thanks to continuous evaluation of underwriting guidelines, the company believes that more survivors than ever are qualifying for coverage with shorter waiting periods and lower premiums.

So what factors influence a person's ability to obtain life insurance coverage? Family medical history, life expectancy, risk factors (such as high blood pressure or elevated cholesterol), and lifestyle (for example, smoking status) may play a role. If a pre-existing condition exists, insurers may look at the specific type of illness, severity, time elapsed since diagnosis, stability of the person's health, and treatment regimen, among other variables.

Although not everyone with a history of a serious illness will be able to obtain life insurance coverage, the good news is that with more medical information available, better detection, earlier diagnosis, and more effective treatment of illness may mean people live longer, healthier lives. And that means those with a history of serious illness may qualify for life insurance at rates similar to people without pre-existing conditions - once their condition is under control.

So what can people do to help improve their insurability? MassMutual offers these 3 tips:
Buy when you're young. If you purchase life (and disability income) insurance coverage before health issues begin to creep in, you will likely end up paying a lower premium over the lifetime of the policy.
Make your health a priority. People who watch their weight, exercise regularly, get routine physicals and preventative health screenings, and consistently take prescribed medications will generally have a better risk assessment, which could help increase their eligibility for coverage.
Stop smoking. It's an undisputable fact: non-tobacco users qualify for significantly lower rates than people who smoke or chew tobacco. There's always a health benefit to stopping, too. Cardiovascular risks drop rapidly, and after a period of cessation, former smokers can typically obtain a better rate.

Take every precaution to protect your health, and your financial health. Don't put it off for a rainy day - make it a priority.

For more information, visit massmutual.com.




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