As we approach middle age and retirement, our thoughts often turn to financial planning: ensuring that our life insurance, pension, 401(k), and/or social security budget is in order. When an individual experiences an unexpected and life-threatening disease, however, even the best-laid financial plans can go awry. A cancer diagnosis or
Just because you’ve finished your career and decided to enjoy the pleasures of retirement doesn’t mean that you’re finished with making a little extra money. Retirement is the perfect opportunity to develop a new interest or hobby and make money from it while doing so. Here are some ideas for
Interest rates keep dropping, causing rising concern among some retirees, financial experts say. That’s because, while cutting lower interest rates can stimulate the economy by making it cheaper to borrow, consumers usually earn less interest on their savings. Falling interest rates are part of what economists call “financial repression,” which can
When a child moves out of the home, it can bring a wave of emotions for parents. As an empty nester, it may be difficult to watch your children fully enter adulthood, but it can also signify the beginning of new experiences and lifestyle opportunities for parents. It seems that
There’s a popular proverb about the difference between giving someone a fish and teaching them to fish. Giving them food cures their hunger in the short term. Helping someone by teaching them to fish provides a solution they can use to feed themselves anytime. You can apply this principle to
The Golden Years are every American’s dream; with no work schedule, plenty of retirement funds, and the world at your feet, the possibilities are endless. The average retirement age in America is somewhere between about 62 and 65, but some people prefer to retire early and begin their relaxation as
Placing your health, safety, and trust in the hands of a doctor or medical professional involves many risks. Sometimes, it does not pay off and something can go wrong due to several reasons. If an error occurred due to carelessness or negligence on part of the professional, it is considered
If you’re over 55 and trying to source capital to enable you to expand your business or invest in a new enterprise, you may be considering releasing capital from your pension. Before you make any decisions, it’s crucial that you speak to a financial expert or pensions advisor who can
Any experienced shopper knows that car shopping for a good used car is a tough job. Whether it’s from an individual seller or a second-hand retailer, it’s hard to be confident in a second-hand purchase. Everything from fuel efficiency to handling, to overall reliability, are affected by use. Yet, many
The general trend of financial advice is when in doubt, save. Many experts recommend you set aside at least 20 percent of each paycheck toward savings. While this piece of advice does underscore how important it is to save a good chunk of your income, it’s very broad. You may
Chances are, the idea of owning an electric car has crossed your mind of late. This is particularly true with just about every major manufacturer currently offering one. Teetering on the cusp of the mainstream, electric vehicles, or EVs as they are also known, do appear to have a solid future.
Medicare’s Annual Election Period (AEP) confuses people daily. Many people think that if they wait until the AEP, also called the Fall Open Enrollment Period, they will be able to enroll in a Medigap plan without having to answer any health questions. However, that isn’t the case. The AEP is
While credit unions have been around for a while, they are still largely unknown to many. Some may think that they’re just another type of bank, and might not see the reason why they should opt for one. While banks and credit unions have many similarities, they also have fundamental
A viatical settlement is selling a terminally ill person’s life insurance to a third party or a viatical settlement provider. They will get an amount that is higher than what they would have got for canceling the policy, although lower than the value of the death benefit. If you have
Most Americans dream of retirement free of worry – one where they have the time and resources to travel, spend time with family, and live life the way they want to after years of work. That’s true across generations, from Baby Boomers and Generation Xers to Millennials, according to the19th
Choosing to retire abroad has now become a definite option for many, and it’s a decision that can have a tremendous impact on your life. If you are approaching senior age or are already a senior planning your retirement, you could well benefit from living in a different country when
There are undoubtedly many British expats in the United States, and the US is home to expats from the United Kingdom who have been able to blend in and enjoy their life in their ‘borrowed’ country. But if you have been in the United States for some time and are
As of 2019, an estimated 5.8 million Americans have been diagnosed with Alzheimer’s or dementia, and of that total number, 5.6 million are in the 65 and over age bracket, according to data compiled by the Alzheimer’s Association. In addition to the impacts of Alzheimer’s on mental cognition, physical function,
None of us are immune to disability or illness. Here at LivingBetter50, we believe that Disability insurance can provide you and your family with peace of mind and protection against financial hardship. It allows you to remain in your home and keeps the dreams of planning for retirement or sending
Doing a house clearance in Cheltenham can be such a hassle and a bother. It is undoubtedly a long and tedious process that requires a great deal of time. That is why it might be a good idea for you to hire a house clearance company to do it for
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