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Few words in the English language are as positive and upbeat as “bonus.” Sure, it can be used sarcastically at times, but it makes most of us think of extra cash around the holidays or perhaps a prize from a contest or raffle. I’m sure you’ve seen advertisements online, found fliers in your mailbox, and … Read more

I’ve been following cryptocurrency and blockchain technology since Bitcoin was the only crypto on the market. It’s been enjoyable to watch the industry evolve, bringing new features to customers and offering higher levels of simplicity in finance.  One thing I’ve found challenging in the world of cryptocurrency is utility. Sure, you can sell your cryptocurrency … Read more

Fun fact: Mortgage roughly translates to “death pledge” in old French or Latin. That’s because it’s a very long-term commitment — lasting at least 15 and more commonly 30 years. If you follow the payment schedule, you’ll be making payments on the loan for decades. Many people want to get out from under their mortgage … Read more

Lenders prefer borrowers with good credit scores. It’s a fact of life — and some lenders deal only with folks who have good credit.  But loans aren’t the only financial products your credit score may have a bearing on. Poor credit could mean higher car insurance and other insurance premiums, difficulty getting a new bank … Read more

When you think of retirement planning, the first investment options you likely think of are IRAs, 401(k) accounts, and maybe pension plans.   An annuity could make sense as part of your retirement plan too. When you sign an annuity contract, you agree to make one large payment or a series of periodic payments in exchange … Read more

Your golden years are supposed to be… well… golden. The last thing you want to worry about in retirement is money. That’s why retirement planning is such a big business.  If you’re like most people, you have most of your retirement savings in the stock market through retirement accounts like IRAs, 401ks, and pension plans. … Read more

If you’ve tapped out your traditional retirement account options, like stocks and bonds in your IRA and 401k, an annuity might be the next best thing.  Annuities are insurance products, typically offered by life insurance companies. Under an annuity contract, the insurance company agrees to pay you regularly, with many contracts providing lifetime income.  At … Read more

Nobody wants to have to work through their golden years. That’s why you regularly contribute to your IRA, 401(k), and any other tax-advantaged retirement accounts you’re eligible for. Unfortunately, all retirement accounts have contribution limits. If you’ve maxed out your eligible contributions, consider a deferred annuity. It’s a great option when you have extra cash … Read more

Annuities are insurance products, but they’re more like what you would get if you mixed a life insurance policy with a long-term investment like an IRA or 401k.  Annuities are investments because the end result is guaranteed income payments later in life, usually after retirement. For many people, an annuity is the foundation of a … Read more