1. Featured Articles

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    1. What's the Difference Between Original Medicare and Medicare Advantage Plans?

      What's the Difference Between Original Medicare and Medicare Advantage Plans?

      What's the Difference Between Original Medicare and Medicare Advantage Plans?  Save One of the biggest decisions retirees have to make is how they are going to protect their health. The average 65-year-old couple retiring today will spend $285,000 on healthcare, according to Fidelity, but this number could be much higher if you develop a severe or chronic illness or if you choose the wrong Medicare plan.

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    2. Am I an Independent Contractor or an Employee?

      Am I an Independent Contractor or an Employee?

      Whether a worker is an independent contractor or an employee is largely determined by how much control a business exerts in its relationship with the worker, according to the U.S. Department of Health and Human Services.

      One of the first aspects of determining the locus of control is whether there is a signed written contract for services to be completed within an established timeline, or an employment agreement spelling out benefits such as health, life, and disability insurance, paid time off, or a retirement plan.

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    3. What to know before you retire with your spouse

      What to know before you retire with your spouse

      Getty Images Do you plan to retire at the same time as your partner? So many variables make it harder for modern couples to figure out the answer to that question. Today's seniors are healthier and active. Workplaces offer more flexible schedules. Health care costs may make it attractive for at least one partner to continue drawing benefits and a salary for longer than expected.

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    4. Personal income and spending April 2019

      Personal income and spending April 2019

      U.S. consumer prices increased in April, which could support the Federal Reserve’s contention that recent low inflation readings were transitory and allow the central bank to keep interest rates unchanged for a while.

      The Commerce Department said on Friday its personal consumption expenditures (PCE) price index increased 0.3% last month after rising 0.2% in March. That lifted the annual increase in the PCE price index to 1.5% from 1.4% in March.

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    5. Calif. Assembly Approves New Standards Requiring Freelance Workers To Be Classified As Employees

      Calif. Assembly Approves New Standards Requiring Freelance Workers To Be Classified As Employees

      California residents working for companies like Lyft and Uber would get the rights of employees entitled to a minimum wage and workers compensation under a law the state Assembly passed on Wednesday.

      The sweeping bill, which now goes to the California Senate, carries new standards defining whether workers are employees or independent contractors, upending how workers are treated in industries from trucking to the burgeoning gig economy.

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    6. A guide to getting real about health care costs in retirement

      A guide to getting real about health care costs in retirement

      You won't pay for health care in retirement with one lump sum. That's the way these expenses are often presented, though, and the amounts are terrifying. Fidelity Investments, for example, says a couple retiring in 2019 at age 65 will need $285,000 for health expenses, not including nursing homes or other long-term care. The Employee Benefits Research Institute says some couples could need up to $400,000 — again, not including long-term care.

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    7. 6 Steps to Building a Successful Online Drop Shipping Business

      6 Steps to Building a Successful Online Drop Shipping Business

      Want to start a drop shipping business? Here's how.

      Drop shipping is an extremely popular business model for new entrepreneurs, especially gen Zers and millennials, due to internet marketing skills far outweighing financial capacity. Since you don’t need to stock or handle the items you are selling, it’s possible to start a drop shipping business with limited funds.

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      Mentions: Amazon Walmart
    8. SSA imposters top IRS in consumer loss reports

      SSA imposters top IRS in consumer loss reports

      Have you gotten calls about supposed problems with your Social Security number from callers pretending they’re with the Social Security Administration (SSA)? If so, you’re not alone. Our latest Data Spotlight finds that reports about SSA imposters are surging, while reports about IRS imposters have taken a dive.

      As the Spotlight puts it, “In the shady world of government imposters, the SSA scam may be the new IRS scam.” While reports of SSA imposters have swelled – nearly half of the reports we’ve gotten in the last year have come in the past two months alone – reports of IRS scammers have plunged. What’s more, people told us they lost $19 million to SSA imposters in the past year. That overtakes the $17 million reported lost to IRS imposters in 2016, the peak year of the IRS scam.

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    9. Scammers and your Notre Dame donations

      Scammers and your Notre Dame donations

      Following last week’s devastating fire that destroyed much of the famous and historically important Cathedral of Notre Dame in Paris, fundraising efforts have begun. Many generous people may decide to donate money toward rebuilding efforts – and scammers know that. They’re ready to take donations, too, so here are some things to consider before you give to an organization or a crowdfunding project:

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    10. Long-Term Care Insurance Explained

      Long-Term Care Insurance Explained

      It might be hard to imagine now, but chances are you’ll need some help taking care of yourself later in life. The big question is: How will you pay for it?

      Buying long-term care insurance is one way to prepare. Long-term care refers to a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing or getting in and out of bed.

      A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Most policies will reimburse you for care given in a variety of places, such as:

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    11. Life Insurance Offering More Incentive to Live Longer

      Life Insurance Offering More Incentive to Live Longer

      Brian and Carla Restid, a couple in their mid-60s, bought life insurance four years ago to protect their lifestyle in retirement. A year later, they upgraded to a pilot program offered by the insurer to get fitter, healthier and more energized.

      In exchange for working to improve their well-being and providing details about the process, they have saved $700 so far in premiums.

      “It provided a way for me to be accountable to myself,” said Mrs. Restid, 67, who has an autoimmune disease that has slowed her down. “It provided me a way to get going and keep going. I was exercising before, but it wasn’t at the forefront of my mind. This set me on a life-changing program.”

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    12. How Investors Can Use Insurance to Reduce Risk | Investing 101

      How Investors Can Use Insurance to Reduce Risk | Investing 101

      INVESTORS HAVE VARIOUS ways to reduce risk – diversification, cash reserves, planning to hang tough through the dips. But experts say it pays to think outside the investing box and consider other tools, like insurance.

      Needs change over time, he says, as young investors need to protect children, while older ones must safeguard retirement income and a spouse. So assessing insurance needs is a lifetime project.

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    13. 10 best performing mutual funds over the last 5 years

      10 best performing mutual funds over the last 5 years

      10 best performing mutual funds over the last 5 years The Financial Express 16 hours ago Mutual fund investments work best over the long term because assets need time to grow, and over a longer period of time, volatility in the markets tend to get smoothed out. That is why we advocate looking at the performance of a mutual fund scheme over a period of at least five years before deciding to invest in them.

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    14. Is A Solo 401(k) Or An SEP-IRA Better For A Small Business With No Employees?

      Is A Solo 401(k) Or An SEP-IRA Better For A Small Business With No Employees?

      Now that this tax season is over, it’s time to start planning for the next one. If you own a small business, this means you. The U.S. Small Business Administration reports the number of small businesses with no employees increased from 15.4 million in 1997 to 23.8 million in 2014. A business without any employees has a different calculus when it comes to deciding on a retirement plan.

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    15. A new treatment for kidney stones | University of California

      A new treatment for kidney stones | University of California

      “It’s a thing of beauty,” says Dr. Jaime Landman, chair of UC Irvine’s Department of Urology, after watching a demonstration of the device. Built by a German company originally known for designing flying boats, the Gemini system could shift the way urinary tract stones are treated nationwide, he says.

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    16. The Big Millennial Life Insurance Gap

      The Big Millennial Life Insurance Gap

      Only 10% of Millennials say they have enough life insurance in place to cover self-reported needs should they die, putting their family members at risk. That’s the sobering news from New York Life’s 2018 Life Insurance Gap Survey. Millennials with life insurance have an average of $100,000 in life insurance protection in place, enough to cover one fifth (22%) of their self-reported coverage needs of $452,000. That’s a coverage shortfall of $352,000.

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    17. How to Invest in the Ones You Love | The Smarter Investor

      How to Invest in the Ones You Love | The Smarter Investor

      The most common reason for purchasing life insurance is for the death benefit, which is paid out to beneficiaries – generally income tax-free – after the death of the insured. However, permanent life insurance can offer a number of other benefits – not only to the ones you love – but benefits you may be able to leverage during your lifetime as well (a Valentine's gift to yourself). Yet, many of these benefits are either forgotten or misunderstood and never exercised. In fact, more than half (51 percent) of all respondents said they were either unsure or did not believe life insurance could provide investment opportunities and living benefits, according to the Allianz Life 2018 Life Insurance Needs Survey.

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