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All About Homeowners Insurance

According to Zurich North America’s chief claims officer, natural hazards are more common and more damaging than in the past. The time to act and reduce future risk is now, particularly when it comes to nationwide infrastructure. For example, U.S. roads and bridges were simply not built for the severity and frequency of storms and…

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Notes on Social Security

The Federal Trade Commission (FTC) reports that Social Security beneficiaries have lost $6.7 million in two months resulting from a new, highly effective scam. This is how it works: Someone calls you and says they are with the Social Security Administration (SSA), stating they regret to inform you that your Social Security payments have been…

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The Future of AI in Health Care

Artificial intelligence (AI) is not just for Amazon’s Alexa anymore. Health care patients are starting to see more mainstream uses of AI-enabled tools, such as:1  Robot-assisted surgery  Virtual nursing assistants that stay in contact with both patients and providers Connected health management devices that you can download on your smartphone, wear on your body or…

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Take Another Look at Life Insurance

Today, more Americans are getting their life insurance through their employer rather than purchasing a policy on the individual market, according to LIMRA, an industry market research firm.1 At the same time, fewer employers are offering life insurance as a benefit. LIMRA research showed 23 percent fewer employers offered life insurance in 2017 compared with…

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The population remains mobile as extreme weather knocks large regions

These days people are more transient, less grounded by geographical roots and familial connections. Perhaps we have become more willing to move when life throws us lemons — choosing to make lemonade somewhere else. Economists track migration trends, and cities watch such data closely. One recent study by real estate brokerage Redfin revealed that the…

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Tax Season Has Arrived

One of the key principles of the 2017 Tax Cuts and Jobs Act was that reforms were rendered so simple that taxpayers could complete their form 1040 on a postcard. Last summer, the IRS unveiled a new tax return postcard just for this purpose.1 The reality, however, is that taxes are never simple, and simplicity…

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The Art of Being Happy

When are we happiest? A new study by the Resolution Foundation reveals that the two ages when people tend to be their happiest are 16 and 70.1 This makes sense when you think about it. Sixteen is often the first time children get a taste of independence — they’re old enough to drive and yet…

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Navigating your finances as a couple

Tax season is a good time for couples to get on the same page regarding household finances. Now that you’ve filed your 2018 taxes, take time to think about how you can better work together with your spouse as you navigate 2019. Particularly for those who file jointly, it’s important for both spouses to understand…

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Savings Ideas for Health Insurance

The growing cost of medical services and health insurance in the United States is a problem that is not isolated to a single demographic. Many people are impacted. The latest surveys of American businesses report that health insurance and benefits are one of their greatest expenses, second only to employee payroll. Companies used to subsidize…

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Don’t Leave Your Long-Term Care Plan to Chance

According to new research from Genworth, one of the nation’s leading long-term care insurance companies, Americans are both entering caregiver roles and requiring care at younger ages. Among the study’s findings:1 ·         Nearly half of family caregivers now are men ·         The average age of a family caregiver is 47 (down from age 53 in…

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