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Plan Well, Retire Well

Saving and investing your money

Reflecting on Refinancing

Managing day to day finances is one thing but planning for our financial well-being in 30 or 40 or more years is even more complex. When faced with a decision, such as refinancing a home mortgage loan, we need to consider both today's financial situation as well as what will benefit our financial situation when we retire. Our homes are important to us in many ways – they provide s...

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Refinancing: If it was just a simple yes/no question!

Home mortgage rates are AMAZINGLY low right now! According to Frank Nothaft, vice president and chief economist, Freddie Mac , "Fixed-rate mortgages continued to hover at 50-year lows, .... Compared to the recent peak in 30-year fixed interest rates 13 months ago (week of June 11, 2009), current rates are a full per...

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Leaving Your Current Employer? What Should You Do With Your Windfall?

I remember when I was 24, and in the midst of changing jobs. My former employer sent me a check. It was a little under $1000.00. I was excited; I deposited the check right away. Needless to say, I spent the money on some "urgent" need at the time. This happened once or twice more throughout the earlier part of my (and my spouse's) career. Although I knew I could have rolled the money over into...

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A New Long-Term Care Financing Option: The CLASS Act

Working age people will have a new long-term care insurance option to consider beginning in fall of 2012, as a part of the health care reform law signed by President Obama in March 2010. The law includes a voluntary employment-based insurance program for the purchase of community living services (long-term care services) and for the payment of institutional long-term care services. The program...

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