All the signs suggest that inflation is not going away but will be a problem for some time to come. We are all accustomed to low inflation figures, but 5% overall inflation and above is going to require adjustments to spending habits. The good news is that the changes are…
We know that many people would rather have a root canal without Novocain than deal with the government. Getting services from public agencies can be exasperating and there are times a person wonders why they should bother. Government is there to help and there are benefits such as reading tutors…
Older employees feel their age, which means medical care is becoming a priority concern. Medications, physical therapy, and other treatments become part of a person’s life after age 50, and people will worry about how to pay for necessary treatments. Medical bills are nothing to laugh about. They are often…
The 2019 workplace is a thing of the past. The pandemic and the urgency of hiring highly talented workers have created a new office environment, and employers are wise if they keep up with the times. Traditional benefits packages are expected, but employees want a little more to convince them…
Research has shown a person has problems whenever impulsive buying becomes a habit. These unplanned purchases can generate as much as 40 percent additional expenses. In addition, social media has encouraged the desire to buy things that are not necessary. Social media is convenient; there is no question about…
Legal paperwork is not something that only major corporations or billionaires need to be concerned about. Many ordinary people encounter legal documents that have dire consequences should these pieces of paper be misunderstood or not followed. Everyone needs to accept that they must deal with legal agreements or conditions that…
We have discussed the importance of simple wills considering the consequences of not having one. It is bitter medicine but needs to be swallowed, especially by younger employees. We want to take a moment here and point out the benefits of a simple will. There are some significant estate planning…
Inflation is hitting home. The Wall Street Journal recently reported that mortgage interest rates are hovering around 5% nationwide. The American housing market has not seen these figures in over 10 years. Mortgage rate hikes are not yet cooling down the real estate market; house buying is still highly active.…
Those with college loans recently got another breather from the Feds. President Biden has extended the college debt moratorium until August 31, 2022, and that is a welcome development for everyone wrestling with debt payments. There is still talk of loan forgiveness but be careful about banking on that. A…
A living will is an excellent thing to have. It will enable a person to indicate what medical procedures are to be used should they become unresponsive due to a medical crisis. The living will mandates when life-sustaining efforts should stop. The instructions in a living will are helpful. Healthcare…