The two ways to buy LTCi are as stand-alone (ongoing premium) policies or as riders to life or annuity policies. Many new policies have this feature integrated into the policy. However, these “combo” or rider policies reduce death or annuity benefits when you withdraw money or use the LTCi benefit. Many people will want to…
The Secrets of Successful Financial Planning: Inside Tips From an Expert (Part 3.2)
July 18, 2023
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What You Need to Know About Landslide Insurance
The fires and rains in California created the perfect scenario for mudslides and landslides. But mudslides and landslides can occur in all 50 states. They are specifically prominent on the western coastline, the Rocky Mountains, and the Appalachian Mountains. If a mudslide or landslide destroys your home, how do you recover? Does your homeowner’s insurance…
Why You Should Open a Roth IRA for Your Child
July 18, 2023
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You can give your child a head start in life by opening an individual retirement account (IRA) for them. Allowing it to build interest for decades enables it to grow much more than if you wait until the child is older. Custodial Roth IRAs have some rules that must be followed, but it has many…
Bank to Suspend, Cancel Accounts of Customers Engaged in ‘Financial Abuse’
July 18, 2023
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The National Australia Bank (NAB) has assured customers that new rules that allow it to “cut off” customers identified as perpetrators of financial abuse will not be open to misuse. On June 26, NAB announced it would be updating its terms and conditions saying the bank will suspend, cancel, or deny access to savings and…
Closing Prices for Crude Oil, Gold, and Other Commodities (July 17)
July 17, 2023
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Benchmark U.S. crude oil for August delivery fell $1.27 to $74.15 a barrel Monday. Brent crude for September delivery fell $1.37 to $78.50 a barrel. Wholesale gasoline for August delivery fell 1 cent $2.63 a gallon. August heating oil fell 4 cents to $2.56 a gallon. August natural gas fell 3 cents to $2.51 per…
How Major US Stock Indexes Fared July 17
Wall Street is closing higher ahead of a week full of updates about where profits for U.S. companies are heading. The S&P 500 rose 0.4 percent Monday. The Dow and the Nasdaq also rose. Stocks elsewhere around the world slipped after China reported weaker economic growth for the spring than expected. While that’s helped to…
Tax Break Vanishing for Some Retirement Savers
A popular tax break in the form of being able to make so-called “catch-up” contributions to 401(k) retirement savings plans is set to vanish for many higher-earning Americans at the end of this year. Catch-up contributions refer to a provision in 401(k) plans that allows individuals aged 50 and above to contribute extra money to…
The Secrets of Successful Financial Planning: Inside Tips From an Expert (Part 3.1)
July 17, 2023
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Why buy insurance at all? Why not be self-insured and save the profit margin that carriers earn? After all, everybody knows that if you live to age 85 or so, the return on a life policy (represented by the death benefit) for the investment of premium is around 3%. Long-term investors can achieve much better…
Donating Through a Donor-Advised Fund or Private Foundation: Which Is Better?
July 15, 2023
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There are many places to make tax-deductible charitable donations, but getting one that aligns with your intentions is not as easy. When choosing charities to donate to, make sure that the donor-advised fund or private foundation can give to the charities of your choice. If you use a religious group or some community group, they…
Closing Prices for Crude Oil, Gold, and Other Commodities (July 14)
July 14, 2023
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Benchmark U.S. crude oil for August delivery fell $1.47 to $75.42 a barrel Friday. Brent crude for September delivery fell $1.49 to $79.87 a barrel. Wholesale gasoline for August delivery fell 4 cents $2.64 a gallon. August heating oil fell 1 cent to $2.60 a gallon. August natural gas fell 1 cent to $2.55 per…
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