Blogs

With long-term care (LTC) costs growing exponentially, the need for long-term care insurance is growing as well. Advances in bio-science have lead to longer life expectancy, and, with older age comes the need for assistance.  As baby boomers continue to reach retirement, the need, and ultimately the cost, of long term care will continue to grow.  So what can you do to protect yourself from the costs associated with long-term care? 

At times it can seem alomst imposible to pay down your credit card debt. In this short video we explore ways to pay down debt faster.

Most self-employed individuals in California assume they are covered by the California State Disability Program (SDI).  Unfortunately, this is not the case.  Each quarter, when you write a check to the IRS for your self employment taxes, you are making a contribution to your Social Security (12.4%) and to Medicare (2.9%).  As you can see, SDI is not part of this equation!  In order to enroll in the

Life Insurance - Term or Permanent?

When it comes time to purchase life insurance you will be  faced with the question, “term or permanent?”  You have probably heard the phrase “buy term and invest the rest”, but, that may not be the end all be all solution for you.  Let’s take a look at the difference between term and permanent insurance to distinguish which type, or combination is best for you.