As little as six months ago, our financial futures looked bright and we could actually look forward to the arrival of the quarterly 401K statement. Suddenly, we are now in recession, according to the National Bureau of Economic Research. The NBER is the official arbiter of recessions and expansions. The prior expansion, which began in … Continued
Life insurance blah blah blah. Is that what you hear when someone mentions it as part of your new job’s employee benefits round-up or when you see something about it on TV or social media? Not to worry: we’ve got the low-down on what you need to know. And it’s really not as overwhelming (or … Continued
A generation ago, unexpected loss of a loved one could be seen as an isolated situation. But today, a quick search of GoFundMe delivers a difficult reality check. Simply type “funerals” into the search field, and behold—799,182 results (on this particular day). Almost 800,000 tales of the sudden loss of a loved one, compounded by … Continued
Do I need life insurance once I retire? Just because you’re retired doesn’t necessarily mean you’re financially sound. Think of all the different scenarios that may still be applicable: You may have been required to retire early; you may have had investments that have gone sour and haven’t had time to rebuild your nest egg. … Continued
Many people in their 40s are facing an uncomfortable fact: They simply aren’t where they’d hoped to be financially. Fortunately, all their life experience can help correct for past mistakes. “There’s a different trigger moment for everybody,” says Jay Howard, financial advisor and partner at MHD Financial in San Antonio, Texas. “But regardless of when … Continued
We are excited to announce the launch of our new website. The site has a new long-page format, creating a modern feel that is easy to navigate, with a little local flair! To check out our new website and learn more about how Kaminsky & Associates can help you with all your employee benefit solutions, … Continued
Sitting down and making a family budget may not be the most fun activity you ever do. However, the effort and thought you put into your budget can help relieve stress and enable you to manage your money more efficiently. Learning to budget for your family of four is the first step toward smart financial … Continued
Many people in their 40s are facing an uncomfortable fact: They simply aren’t where they’d hoped to be financially. Fortunately, all their life experience can help correct for past mistakes. “There’s a different trigger moment for everybody,” says Jay Howard, financial advisor and partner at MHD Financial in San Antonio, Texas. “But regardless of when … Continued
