Which Financial Risks Should You Insure Against?

In many ways, personal finance is about managing risk. More particularly, financial planning must include plans for minimizing damage to your financial future caused by known but uncertain risks. These risks can affect your investments, your health, and your liabilities to others. Read more

Predicting the Costs of Long Term Care

Imminent health care reform may include a long term care plan that consumers can buy into. The benefits offered are likely to be helpful but inadequate. How inadequate? You can find out by using an online long term care cost estimator. Read more

Health Care Costs in Retirement

A difficult task in retirement planning and budgeting is estimating health care costs. We know those costs will be significant compared to our earlier years. That is one of the downsides of growing old. But it is important to have some idea what you can expect to pay for health care as a retiree. Only by having that knowledge can you understand and project what your retirement income needs will be. Read more

Save Money on Health Care

Need ideas and strategies for saving on health and medical care? I have some suggestions. Read more

Compare Insurance Rates Online

If you are like me, you prefer finding and comparing insurance rates online rather than having to call a broker. Whether you are looking to save money on car insurance, health insurance or term life insurance, there are online resources available. I have some suggestions. Read more

Medicare Eligibility and When to Sign Up

When are you eligible for Medicare and when can you sign up? These are questions that many boomers are starting to think about as the date approaches. Although entitlement programs such as Medicare are likely to change because of funding problems, those changes are more likely to affect younger generations. Read more

Health Care Cost Comparison Shopping

Do you like to comparison shop? Do you want to know if the price you are being quoted for a service is reasonable under the circumstances? I do, and that also applies to health care costs. This is a particular concern when I want or need a healthcare service that is not covered by insurance or I have not met my deductible. Read more

Find Low Cost Life Insurance Online

Life insurance for baby boomers and for those who are retired is a complex subject. There are several different life insurance strategies available to those who already have a policy. In some cases, it might be necessary for estate planning reasons for a boomer to buy new life insurance. Or, you might want to replace a whole life policy with term coverage if you still have kids in college that you are supporting. Read more

Medical and Health Insurance Premiums: Finding Deductions

As we age and pay off our mortgages, it seems that baby boomers and retirees are less likely to itemize deductions. On the other hand, this stage in our lives can introduce new sources of deductions that we may not think of. Read more

Health Insurance for the Unemployed Baby Boomer

If you are a recently unemployed baby boomer, keeping or getting access to health care is critical. At the same time, older workers must preserve and protect retirement accounts if at all possible. It helps to have access to resources that explain your rights and options for continuing or securing new health insurance coverage. Read more

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