GR8TR Today Magazine

Living a GR8TR Life Every Day

Money

Personal Tax Prep for Free

Most Americans know April 15 is Tax day.  Some years, such as 2021, this is changed. Because of unforeseeable circumstances, the federal government can change the due date to accommodate the new circumstances afflicting the American population, and to give them more time to do so in a timely matter.

State and local authorities tend to follow the same due dates the federal government dictates, and that makes it easy for people to filed all taxes at the same time.

There are different ways you can file your taxes, and all depends on the complexity and the level of comfort and knowledge you have to file them. Here are the 4 most common ways you can file your federal, state, and local taxes.

  1. Your personal accountant
  2. Electronic filing
  3. Commercial businesses filing for you.  Ex. Walmart , etc.
  4. Personally finding the forms and filing them on your own

For many personal filers, electronic filing has been the preferred choice for many years.  There are many companies offering to file your taxes or to help you file an extension to file. The price, the easy access, and the guidance they offer to file is an easy choice to make for many consumers.

Through the IRS website, there are 9 IRS Free File Online offers you can look over and choose  the best option for you. Not all of them are the same, and not all of them offer the same guidance you might need to file.  If you are comfortable filing your taxes online and want to have the choice of filing your state taxes as well, many of these companies offer to file them for you for a price.  For many families in the United States looking for ways to save money and ease the financial burden and stress of filing, these companies can be the solution for you.

The price to file your federal and state taxes differ greatly from company to company.  It is perfectly acceptable if you have filed your taxes online with one company, but this year decide you might want to try something new. It is very tempting to keep going with the same company because they have all your personal information stored for you, and it is easy and comfortable to just go along with it. But, because of the commodity of having your information stored in their business, they have to charge you to do so in other ways.  Some companies force you to file different forms for your taxes to charge you a premium to do so. And even if you qualify for free filing, that option is so impossible to find, you end up paying the fee. In some instances, the price you pay to file can be twice as much as filing with another company.

Choosing the right company is important and can save you money.  One company that can file your taxes for free if you qualify, or can charge you a very reasonable price is FREE 1040 TAX RETURN.COM INC.  The price for filing your federal return is $39.95. They do not have videos for you to watch if you have a question, but the questions are straight forward and do not need those videos. If you have a question and cannot find the answer in their  FAQ section, they won’t charge you a fee for contacting their customer service department. Filing your state taxes is about $19.95 dollars, and that price is worth the trouble for many people. From the other 8 choices offered through the IRS website, look them over carefully before you decide which one to use. Regardless of your preferred choice, remember not all of them are the same, and not all of them offer great prices. You still have time to look them over, compare prices and services, and file your federal, and state taxes before the due date.

Summer Home and Vacation Savings

Vacation Saving Tips (If You Are Driving)

As the time to start planning your summer vacation approaches, gas prices are going up.  It happens every year in anticipation of the travel season. Even if money is not an issue for you, these tips will help you be good to the environment, and help you save for other things you want to do with that money.

1. Shop around – Some of the best apps for your iPhone that are free and can save you money right away are:

  • a) GasBuddy
  • b) AAA Mobile
  • c) Gas Guru

2. Use Apps to help you with traffic and rerouting trips to avoid traffic jams, accidents or

  • a) Waze
  • b) Route4Me
  • c) inRoute

3. Check your vehicle’s tires. Having a well maintained car will help you save on gas.  The efficiency of your vehicle on the road depends on how well maintained you have kept your car all year round.

4. Follow the speed limit signs. Even when you have a long road ahead, driving at the speed limit posted can save you money on gas.  Driving slower and at a consistent speed burns less fuel, and if traveling for a long trip, use your cruise control to keep a consistent and moderate speed.

5. Keep it light – Excessive baggage or a roof box cargo can make gas consumption a bit expensive. Keeping your windows and sunroof close will reduce the drag, making you car more aerodynamic.

Home Saving Tips

Many of the new  homes have excellent windows, new roofs, new air conditioning units, etc.  Everything is new and working properly.  But, if you have an older home and are looking to save energy and money, what are some of the energy saving tips that will also save you money?

  1. Replacing your old air conditioning unit is not something we do frequently, they last a long time and they are expensive. But, if you have an old unit, the efficiency is not longer there. The electric bill is probably not a pretty sight every month, so replacing the unit is probably the only solution that can save you money in the long run.
  2. Replacing old Windows – The draft you feel as you get close to a window or door is heat leaving your home and making your gas or electric bill higher than it should be. Replacing old windows or doors can save you money in heating bills and add value to your home.
  3. Keeping the temperatures in your home at comfortable levels can save you money.  Too cold in the summer months and too warm in the winter can add hundreds of dollars a year.  Try a difference of a couple degrees and see if you feel a difference in your comfort level and notice the difference in your bill.
  4. Turning off the lights in your home and appliances or other electronic devices that nobody is using saves electricity and money.
  5. Remind your children that the water in the home is not heated by the sun. A short shower can save water and electricity and hundreds of dollars a year.

By using some of these tips, you will not only save money but will help the environment as well.

 

 

 

5 Ways To Improve Your Life AND Cut Expenses

The first thing we need to do is agree that some of the things in this article are not going to be more fun.  When I write, “Improve Your Life” I mean in a healthy way, not in a binge drinking frat party way.  The real key to this article is if follow all of these things, you should save many thousands of dollars per year and also be healthier and happier.

Next I want to say I got this information from all over.  We reference some things, in other cases you can do a search and find different numbers from different sources.  This is not a scientific research paper – just an interesting article on how to save money while improving your life.

Cold Showers

Your first reaction might be “Hell no!” but give me a moment.  There are a lot of people that swear by cold (or colder) showers because they have significant benefits and they save you money.  Cold showers have been associated with increases Alertness, Refines Hair and Skin, Improves Immunity and Circulation, Stimulating Weight Loss, Speeding Up Muscle Soreness and Recovery, Easing Stress and Relieving Depression.  I have also heard that taking a cold shower when you cannot go to sleep and getting in bed right away will put you in a great, deep sleep if you have trouble with that kind of thing.

So fine, it is good for you if you can hack it.  But does it save you a lot of money?  I found a calculator for shower costs online here.  I did an example where I did a colder, shorter shower and a longer, hotter shower and compared the cost.  Turns out a family of 4 would save $478.50 in a year.  Not bad – and good for you.

Drink Less

Well, this is already starting to sound really sucky.  Take cold showers and stop drinking.  But in 2018 more evidence has been steadily coming out that the whole 1-2 drinks a day are good for you thing is not really true.  Women should have much less than that and even men should only be have a couple a week.  I found another calculator that will help you see how much you are spending weekly on alcohol.  And remember, it is not as good for you as you have been lead to believe.

In this very reasonable example, I have used this calculator and estimated a $1,872 annual expense per person.  If you live in a big city and like to go out with friends or coworkers a lot you are spending a lot more than this in fact.

Eat Less

The average American consumes more than 3,600 calories daily.  This is a 24% increase from 1961, when the average was just 2,880 calories. A man needs around 2,500kcal a day to maintain his weight with a healthy , balanced diet. Woman need around 2,000kcal a day. These values can vary depending on age, metabolism and physical activity, among other things.  Body builders and professional swimmers should not try this at home.

With all of this in mind, we simply eat too much – and food costs money.  We eat 37.5% too much food to be exactish.

How much money does the average person spend on food per month?  This figure varies based on age and income level.  Assuming you are middle class and a fairly young adult, it is $173 per week times 52 weeks which equals $8,996 in annual food costs.  Now if we cut that back by 37.5%, we would be saving $3373.50 per year per person.  And you would also save money on health care as it would reduce the likelihood of many weight related diseases.

This gets even crazier when you consider Forty percent of food in the United States is never eaten, amounting to $165 billion a year in wasted food, according to a report from the Natural Resources Defense Council.  This would figure that you might be throwing away 40% of the groceries.  If you are someone throwing away a lot of food, plus eating 37% more calories than you need, it means 75% of your groceries could be wasted or eaten when they should not be.

Cook More

According to the Bureau of Labor Statistics, in 2014, the average American household spent $2,787 on restaurant meals and takeout, compared to $3,971 on groceries. But in 2015, the average amount spent on restaurants and takeout jumped $221 to $3,008. Grocery spending, by contrast, increased just $44 per household to $4,015.

We all know that restaurant food tastes great.  It is higher in sodium, bacon fat, fried breading and slathered in butter or some delicious sauce.   If you learn to make good, healthy meals at home and cut the restaurants, you can save money and be healthier very easily.  Going out no more than once a week should cut that restaurant bill in half or less, saving approximately $1,500 a year and

Walk or Bike More Short Trips

In 2017, the average household made 1.5 trips per week to grocery store.  Most likely these were done driving.  As mentioned above in the article, chances are you have too much food in your home already so going 6 times a month is too much.  But instead of saying “You can’t go”  let’s say you can only go on bike or walking unless you are going for a big run that should only happen 2-3 times per month.

Walking and biking are great exercise and if you really want something, just make yourself go on foot.  Chances are the craving will not be worth it if you have to walk there.

By using this strategy you will help yourself cut down on those food and alcohol expenses mentioned above while also saving gas and car maintenance.  AAA estimates that it costs 58 cents per mile to operate a car. Of that 58 cents,  only around 11 cents is in gas. The other 47 cents goes for expenses like, maintenance, insurance and depreciation.

So if you cut down on short trips by walking or riding your bike more, you could save several dollars on each trip and get better fit and buy less crap.  Putting a savings tag on this is harder but let’s say you cut $5 a week in car expenses plus another $10 per week in stuff you do not buy on a whim.  That is small but would add up to $780 saved in a year.

All told, all of these things would make you healthier.  And I certainly do not mean to imply to never take a hot shower or have a glass of wine again.  But the little daily things add up to huge savings and health benefits.  Let’s recap.

In one year, a family of 4 average people can save the following:

  • Cold Showers: $478.50
  • 2 Adults In Family Cut Drinking: $3,774
  • Eating Only Recommended Calories for Family of 4: $13,494
  • Eating Out Maximum 1 time per week: $1,500
  • Walking more and driving less: $780

This is all based on averages, different sources and fuzzy math.  We are just having fun here.  But this would suggest these changes could save an average family of four $20,026.50 per year.  Your results will vary.  But that is a lot of savings and health benefit.

If this all seems a little extreme, remember to start small and no one says you have to go to this level.  Shorter showers and less restaurants alone could save you some cash.  Make it work for you.  This is just an example of how you can imagine a different life.

Get Your Home Ready To Sell

If you are thinking about selling your home and are wondering when it’s the best time to do so, it depends on where you live in the country. There are specific times of the year to put your home in the market if you want to have good results.

An article by Zillow puts the month of May as the best time to put your home in the market. But, other articles, put April as the best time for the Northeast part of the country to list the home. Regardless of what research tells you, you will list your home when you are ready and are comfortable dealing with everything that comes from putting a home for sale.

If you are thinking about selling a home and are wondering about the best home improvements or steps to take to get the best price, here is a list:

  1. Staging – Believe it or not, this is an industry that has many companies making a great living out of staging homes to sell.  A realtor can also give you great advice about your home if you want to go that route, and they can give you some advice about what you need to do to make it a better sell.
  2. Home improvements that you can do yourself are the best way to get the best return on your investment. Painting the rooms of your house yourself can save a few hundred dollars that can be recouped when the sale is closed. Decluttering the home can be a great selling point that you and your family can do by yourselves.
  3. Fixing up your kitchen or the bathroom of the home can be expensive, but remember you do not have to replace everything to make it look nice. Painting the walls of the bathroom or kitchen can make your rooms look new, without going to the extra expense. If you can replace old appliances, and a new faucet in the bathroom, go ahead, those are expenses that you can recoup at the end of the sale.
  4. Curb Appeal – Dead plants, overgrown bushes, and branches falling are some of the curb appeals prospective homeowners do not want to see. A nice spring garden can be a very welcoming sight for many people.  Clean up all dead leaves and branches from the year before to make sure the flower beds are nice and clean.
  5. Basement Waterproofing – even if you have a beautiful kitchen, painted bathroom with new faucets and a spotless yard when prospective homeowners go to check the basement and find water, the deal can be off right then and there.  Basement waterproofing is not very attractive for many homeowners, and the expense can be too much for them. But, if you are considering putting the home for sale, waterproofing the basement of your home can be the difference between selling the home or not.  Water running through the basement will send potential buyers running for the door.

Children’s Gifts-What Are you Doing with Them?

Children’s birthdays, Christmas, or any other holiday where they received cash for the occasion, is a very nice day for older children if they know a bit about the value of money. For little children, it’s just funny to look at their faces when they open an envelope and out comes a $20 dollar bill or a check. They push it aside and continue with the box that actually has a toy of some sort.

So, what are you doing with that $20 dollar bill or check? They got it for-let’s say their birthday— but what are you actually doing with it?

You know, and they know they actually don’t need more gifts.  They probably have their rooms full of all sorts of toys that haven’t  been touched in months, and they probably have more video games than GameStop.

Then , what do you do with their money? Does the money then goes into your checking or savings account? Are you keeping track of how much money you have put into your personal account over the years? Are you planning on reimbursing them later on? With interest?

It is so easy, isn’t it, to forget that the money is actually theirs? After the party and the cleaning, the stress or anxiety level drops and we forget little things that need to be taken care right away.  A lot of people forget.

When our daughters were babies and were receiving a $20 dollar bill from grandpa and grandma, we did not open a savings account for them right away.  We never slept a whole night for four months with our first daughter, can you imagine us thinking about investing their gift money then?

We opened a savings account for our daughters a while back with the money they received at Christmas and birthdays from family members – Yes, we did reimbursed them—  The interest those savings accounts were earning was pitiful. We took the cash out and opened an account at an online investment company. We don’t regret it.  We stuck with safe stock options, haven’t sold them, haven’t traded them — it’s $6.95 per trade — and we do not panic when their price goes down.  We are in for the long run with their investment, and hopefully you will start investing their birthday money too.  When they’re 18 and want to have control of their money, then it’s your choice if you want to be an advisor or let them have full control of their investment.

Little by little, those gifts can amount to something. If you have a financial advisor, ask for advice.  This is only for you to start thinking about taking small steps with money that they probably don’t need right now.  Think small first, when they’re older and see what you have done with their money they’ll thank you.

Happy Investing!

Saving Tips For The American Family

Many companies try to entice the consumer into buying their particular brands over those of the competition regardless of the value or the quality of their products.  A pretty product that is packaged well and looks pretty may perform worse than the simple packaged one.  As a consumer, you may fall for the marketing and buy the pretty package over the better one, but hopefully, you will make the mistake only once.

Many Americans are struggling with mortgage payments, car payments, insurance payments etc, to worry about other things like comparing prices, weight or performance of the products they are buying, but being savvy about the products they are using should save a buck or two, and in the long run, make us better consumers.

What are some of the items we use daily that can save us some money?

Gas and Electricity: Comparing prices for gas and electricity can save hundreds of dollars every year for the average American family.  There are many companies one can choose for gas and electricity, and even if entering into a contract with a particular company, it will save you money.  Be choosy when signing a contract, and make sure the penalty for canceling it early is not too much.

Car Insurance: If you want to save in car insurance, you need to shop around.  If you have a good history of no accidents or other claims within your company and you do not get any discounts with them, you need to shop around with other companies.

Dishwashing Soaps: According to a Consumer Report test, all dishwashing soaps perform equally well and according to them you should really buy what’s on sale because all dishwashing soaps perform equally well.

I can personally tell you that I do not agree with their results.  I can tell you for example that for me Palmolive, does not perform better or equally well than Dawn.  And some generic brands that you find on the shelves at the grocery stores, pharmacies or Wal-Marts require almost double the amount that you would need for Dawn.

Very recently, I tried a brand called “simply done” a registered trademark of Topco Associates LLC.  By simply looking at the bottle, it reminds you of the generic brands you see at the store.  I expected the same results as well.  The truth is that you do not see a difference between “simply done” and Dawn.  Is there a difference?  There may be a difference between the dishwashing soaps, but the price does not warrant buying the most expensive brand.

Restaurants: Despite having issues with money, Americans are spending over $3,000 eating out according to the Bureau of Labor Statistics. The convenience of having food readily available without having to cook it is very enticing, but the convenience of having no dirty dishes or cooking chores come with a steep price. Eating out should not be abandoned by families but should be treated as a treat instead of a necessity.

Saving is very smart, try to practice the habit.

Accounting Checklist for Business Startups

There are a few steps that you should take to ensure that your small business is successful. Organizing your accounting practices early will assist you to concentrate on the important work of growing your company. You will realize that there are a number of finance software applications that you can use for your accounting practices.

Bookkeeping is an essential part of any company because it helps in controlling the operations of your company and avoids an audit by offering the IRS what they require. Therefore, in order to attain your long-term objectives, increase your sales and organize your company’s accounting practices, ensure that you consider the following factors;

  • Make sure that your small business is legally registered and thereafter open a bank account for your company. The bank account for your business should be separate from your personal account including checking and credit card. Separating your company and personal expenses will give you peace of mind in the future.
  • It is critical for you to keep a record of all your expenses so that you can be certain that your business will be successful. This activity will assist you to track the development of the organization, organize your financial statements and also the deductible expenses. Therefore, keep all the important receipts of your business.
  • Develop a bookkeeping system through the different kinds of software that are available or simply an Excel worksheet if you have a very small number of monthly transactions. Additionally, you can hire a temporary bookkeeper that is based near your business.
  • The next step is to create a payroll system that will assist you to assign different roles in your small business and then compensate them for their input. Create a payroll system for all employees including permanent staff members and independent contractors. There are many companies that offer payroll solutions and your accountant can recommend one.
  • You should produce accurate and detailed invoicing so that you can easily answer questions from your clients in case of a misunderstanding. In addition, you should consider online payments so that you can automate your bookkeeping process.
  • You need to be ready to receive large expenses such as computer upgrades and equipment repair. These kinds of major expenses can come up in a slow month and therefore, you should be ready to avoid a cash crisis.
  • Devote some time to update your books. Dedicate a few hours per week to clear out your paperwork so that you can avoid a long pile up. It is important that you stick to the days that you have set aside so that your books can be updated at all times.  If you have hired a bookkeeper this is easier for you as you just need to be organized and get information to them, and keep an eye on their work.
  • Re-evaluate your accounting practices regularly. At the start, you will only use an Excel worksheet; however, as your company grows you will need to use more improved methods. Therefore, when you realize that an Excel worksheet is not adequate for you and needs a lot of effort; you should begin to look at the Internet-based bookkeeping platforms. Continue to reassess the effort and time that you use for your company’s bookkeeping so that you can save time for other more relevant activities.

Not taking accounting seriously is a huge risk for businesses.  It can lead to lost money, paying too much in taxes, poor business performance and even large penalties and fees simply by not paying things on time. If you are not able to conduct the bookkeeping process on your own then you should seek the assistance of an expert. That way, you will have a chance to concentrate on running your small business and try to get ahead of your competitors.

 

 

 

What is Probate and why should you care?

Many people do not know about probate until a person has died. When a person dies, their will and other legal assets have to go through the probate process. This is often done by a probate lawyer because the process can become very complicated. When family members are involved it can create tension so having a neutral third party can help the process along.

Families can protect themselves with planning and finding an probate lawyer.

When a person dies they leave behind debts, tax bills, property, and other assets. All of this is called a person’s estate. When a person dies with a will in place, by law the estate needs to be administered. This is done by a person called an executor. The executor will read the will and notify the beneficiaries that the process has begun.

Many people do not understand that even if they die with a paid off home and cars that their debts still need to be resolved. This is why most probate lawyers ask people to give a specific percentage of their estate’s value to each beneficiary. This way it does not become too confusing to administer after the debts are paid off.

This process can be lengthy because creditors need to be notified of the deceased person’s death. Some creditors will even ask for a death certificate as proof that the person has in fact passed away. If the person has a life insurance policy then that needs to be administered either by the insurance company itself or the executor. Some people decide to leave their life insurance proceeds to one person or to their estate so that it is divided equally among the beneficiaries.

The first thing that needs to be done is to submit the will to the court in the state where the will was filed. A petition will need to be filed with the court that states the deceased person’s full name, if there is a will, and when the death occurred. Then, the court will review the information, appoint the executor of the estate, and see if a bond needs to be given to the estate. After this process is completed, people who are related to the deceased, those individuals named in the will, and creditors will be notified by mail that the court has received the will and that the estate is now being dealt with.

After this, the probate process begins; it can take more than a year to get a will through this process. It depends on how well the parties that are involved deal with each other. If someone challenges the will then it can take years to close the probate process. When dealing with the probate process it is a good idea to consult a probate lawyer. They can help guide people through the process to make it easier and much less stressful.

Jobless But Earning – Three Ways To Earn Money Online Without Actually Being Employed

Intriguing title, isn’t it? After all, a lot of us would want to earn money without having to work, but hold up. Don’t get me wrong here. This is not one of those posts that say you can earn money just by lying in your bed all day. Don’t confuse the phrase “not being employed” to being lazy because I’m pretty sure those two are not the same. And just to be clear, I do not know of any way that you can earn money just by doing nothing.

This post, however, will provide you three ideas where you can possibly make money online without actually being employed. By employed, I mean that you have your own employer with definite working hours throughout the day. I would also like to clarify that this is not for everyone and not every person who will read this post and try out these ideas will be successful at it. This will still take some effort on your part and perhaps, a little bit of luck. Are you ready to hear out these ideas? Let’s begin then.

  1. Set-up an online business. I know, very original, but seriously, consider the perks of this. You are your own boss. The success of your business, however, will depend on how much you work for it, but if it’s something that you love doing, it’s not work at all. If you love baking, you can set up a small cupcake business. Cupcakes are so in these days, so you may have a lot of competition, but if your products taste absolutely amazing, word will spread. Don’t be shy. Ask your friends for help, they can recommend prospective clients to you. You don’t even have to own a bakery to do this. In fact, I would suggest starting a homebased business. It will cut your initial costs while you’re still starting up. Another great online business would be selling knick-knacks, especially if you love visiting thrift stores for collectibles. You can set it up in an online marketplace like eBay and start earning.
  2. Sell gigs. What are gigs, you ask? Gigs are simply things you offer to people who need to outsource work online. There are many websites where you can sell gigs, like Fiverr and Gigbucks. Are you a writer? Offer to write a 1000-word story for a gig then. Do you like making crafts? Great, you can offer to make a scented candle for a fixed price. You don’t have any talent except that you look cute and quirky on cam? Not a problem! Gigs can be serious or wacky, it doesn’t matter. If you’re good at something (wholesome, please), offer your services in the site. Who knows? Someone might find the video of you singing Happy Birthday adorable and will hire you to make one for him.
  3. Sell items at an online consignment shop. Are you one of those people who like to buy designer bags or shoes, but get bored after wearing them twice? Well, there are a number of online consignment shops that offer to sell your gently-used clothing or bags. The shop will have to take a percentage off the sale, but that’s normal. Besides, you can get rid of you stuff to make room for more and earn money to pay for your next designer item.

So, there you have it. While these ideas will work, success will not be possible without some effort on your part. These may not be actual jobs, but it requires hard work and ability to make it possible for you to earn some money from it.

Do you have other ideas on how to earn money online? Share them with the other readers by commenting below.

Options to Improve Retirement Prospects

According to  the Employee Benefit Research Institute (EBRI), many Americans are falling short when it comes to saving for retirement. In 2015, 28% of Americans had less than $1,000 dollars saved, and a whooping 64% had less than $50,000.  And although the savings so far are not much, the confidence of those interviewed believe they will have enough money saved by the time they retire. How can that be possible you may ask? One of the reasons they believe they will have enough saved for retirement,  is because they have started a retirement account and have started contributing to it.  They believe that now that they have started, they will continue saving till the time comes to retire.

While retirement plans are not always available through their employers, many individuals should be happy to know that the ease to open a retirement account through other mediums is fairly easy and pain free.  There are many companies out there that can have an account open for you within minutes, and can give you a list with a few steps to follow to roll over a 401(k) retirement account from another brokerage firm.

Remember to do a bit of checking to find  out which companies offer you the best deal for you.  If your current brokerage firm’s management  fees are eating up your earnings, remember there are many companies with lower fees that can do better, or comparable to what your current firm is doing. There is no need for you to stay with an investment company that takes all your earnings, and the initial capital invested has not grown.

Wealthfront is an online investment company where investment for a new person should be pretty easy to understand. They advertise zero trading fees, zero hidden fees, and if you need the help of an advisor, their cost is a fraction of other traditional advisors. Wealthfront is an example of the many investment companies that you can turn to when beginning to invest for your retirement.

If you are wondering whether you need to keep or buy a life insurance policy for when  you retire, talk to an advisor right away, specially if you have no other dependents to take care of, or your children are all grown up.

Long-term care insurance coverage is probably one of the many concerns Americans have for when they retire, and many  are unaware of the costs.  But even if you managed to saved enough for retirement, needing long-term care at a hospital or nursing home can eat up your savings pretty quickly.  So planning for long-term care insurance coverage now, can help protect your savings in the future.

Protect your investments and your retirement by making good decisions now. Talk to a professional advisor to find out what you need to do now, to retire comfortably.