Last week the #SenateSpecialCommitteeOnAging held a hearing in which they confirmed that women face much larger hurdles in attaining #FinancialSecurity in #retirement. According to the #NonpartisanCenterForRetirementResearch, on average, #women face a larger #RetirementSavings gap than men and experience higher #poverty rates at older ages.
MARKETWATCH.COM
This is why so many women face poverty in their old age
#COVID-19 has caused widespread damage to the #economy and households are affected unevenly. New polling data reveals that households with someone who has had the #coronavirus are much more likely to be suffering financially.
NPR.ORG
Nearly Two-Thirds Of U.S. Households Struck By COVID-19 Face Financial Trouble
#Lenders are nervous, but it may still be possible to #refinance if your #CreditScore’s not in the top tier. Here are some of the tactics you can use to get approved.
THESTREET.COM
How to Improve Your Chances of a Refinance, Even if Your Credit Isn’t Great
#CBSNews chief #congressional correspondent Nancy Cordes reports on when to expect a #vote on the next #SupremeCourtNominee.
CBSNEWS.COM
Filling Ginsburg's seat: What the Senate does next
Instead of tapping into your #retirement funds—to either start a business or get by during the kind of rough patch that millions of #Americans have had to endure this year, there are other options that may be worth considering.
MARKETWATCH.COM
Just because it’s easier to raid your retirement accounts doesn’t mean you should
Six months of #SchoolClosure could result in an average 1% less earned every year over a worker’s lifetime, according to new projections on #COVID-19’s potential shock to a student’s #education and future #EarningPower.
MARKETWATCH.COM
‘Children with poorer parents suffer more’: How could school closures affect a student’s future earnings potential? Here’s one theory
Many #Americans don’t have any #CreditHistory for a variety of reasons: Some haven’t even thought about building #credit, others want to do it but can’t gain traction, and some are in the middle. Building credit is wise for just about everyone, but it’s not something you can do overnight.
THESTREET.COM
How to Build a Credit History—Before You Need It
When #HouseHunting, the price of #HomeownersInsurance probably isn’t top of mind. But homes with hidden risks can make getting coverage difficult, expensive, or both. Learning how to identify them could save you a bundle.
MARKETWATCH.COM
Beware of these hidden hazards that can increase the cost of your homeowners insurance
Today’s uncertain #investing environment presents a serious dilemma to many #pre-retirees and #retirees: How much money can you afford to risk by investing in the #StockMarket?
FORBES.COM
Worried About Investing In Stocks During Retirement?
#Retirement savers will be disappointed with the contribution limits for next year, but at least more people will qualify for retirement #TaxBreaks in 2021. The maximum income levels allowed to make #deductible contributions to #TraditionalIRAs, contribute to #RothIRAs, and claim the #Saver'sCredit all increase for 2021.
KIPLINGER.COM
Bad News on IRA and 401(k) Contribution Limits for 2021 | Kiplinger
The #pandemic seems to be driving a surge of #EarlyRetirements as businesses close or #downsize and older people weigh the health risks of continuing to work. Here are some thoughts on how you can avoid running out of money by avoiding hasty decisions.
MARKETWATCH.COM
What you can do if you find yourself suddenly retired
#CollegeTuition #PaymentPlans help families pay tuition bills over time instead of all at once. Generally, payments are monthly and must be completed before the end of the associated academic term.
FORBES.COM
College Payment Plans: An Alternative To Student Loans
It feels like the second Halloween ended, sneaky elves got to work stocking the shelves and lighting up the streets with all things #Christmas. Ho, ho, wait — it’s not even #Thanksgiving yet! It’s not surprising because we need all the joy we can get.
MEDIUM.COM
Supporting Small Business is the Best Gift You Can Give Your Community
Canadian sitcom darling #Schitt’sCreek has touched the hearts and homes of thousands as it follows the Rose family’s adventures in being broke. After their fall from great wealth, the Rose family has to learn a new way of life. Along the way, there are plenty of valuable #MoneyLessons you can apply to your own life.
THESIMPLEDOLLAR.COM
7 Money Lessons To Learn From Schitt's Creek - The Simple Dollar
Thanks to the #AffordableCareAct (#ACA, also known as Obamacare), there are high-quality, comprehensive #HealthInsurance plans available in every state for people who need to purchase their own health insurance. A growing number of marketers are pretending to sell '#Obamacare.' Before you buy, ask these five questions to make sure you're paying for the real deal.
HEALTHINSURANCE.ORG
How to verify that your health plan is ACA-compliant
There's been mostly good news on the #coronavirus #vaccine front. Two separate vaccine makers (#Moderna and #Pfizer) say their #vaccines are about 95% effective with no major safety concerns, and Pfizer has applied to the #FoodAndDrugAdministration for emergency authorization. The hope is that many people can begin to get immunized by April, according to the #NationalInstitutesOfHealth Director Dr. Francis Collins.
CNN.COM
Why coronavirus vaccine polling numbers are mostly good news
Some good and important tips in this article!
CHECKPOINTMARKETING.NET
www.checkpointmarketing.net
It’s never too late — or too early — to make sound #FinancialDecisions and get yourself set up for #retirement. Here we cover the best moves to make in your 20s and 30s, your 40s and 50s, and your 60s and 70s.
NERDWALLET.COM
Best Tips for Saving for Retirement – At Every Age - NerdWallet
Some companies are turning health insurance shopping over to their employees, but they aren’t leaving them without resources. They’re sending employees to individual markets to find coverage and then reimbursing them, at least partially, for the cost.
STLTODAY.COM
Employers ask workers to shop for health coverage
The prospect of an effective #vaccine to #Covid-19 in the near term makes it important to understand private and public incentives to suppress #infection. This column examines how the prospect of a vaccine alters individuals’ incentives to self-protect between now and the arrival of the vaccine, and how a benevolent social planner would prefer individuals to self-protect. It finds that individuals tend to ramp up #self-protection in anticipation of the vaccine, while the social planner manages the transition by introducing stricter suppression at early stages.
VOXEU.ORG
Managing the transition to a post-vaccine world | VOX, CEPR Policy Portal
Falling short financially in #retirement is a major concern among working #Americans, and often, it's an issue that comes into play for lower earners who don't have the means to max out an #IRA or #401(k) plan year after year. But wealthier Americans are worried, too
FOXBUSINESS.COM
Half of Americans with incomes over $100,000 fear they'll never retire
In this unprecedented time, #Small-BusinessOwners are challenged with keeping their businesses and their employees healthy and safe — and not simply surviving but thriving. There is no better time than now to understand the risks associated with #WorkersCompensationInsurance and clear up any confusion employers may have about it.
FORBES.COM
Council Post: How The Global Pandemic Impacts Workers' Comp Insurance
Kathrin Jansen saw the deadly impact of #COVID-19 in New York and it fueled her desire to develop a #vaccine. She shared the process of discovery on #60Minutes this week.
CBSNEWS.COM
Pfizer head of vaccine research: “I took this very personally... nothing else mattered”
The great thing about #401(k) plans is that they make saving for #retirement an automatic process. With a 401(k), you sign up, tell your payroll department to deduct a certain portion of each paycheck, and effectively call it a day. But with #2020 coming to a close, now's the time to give your 401(k) some added attention. Here are three important moves to make before the year wraps up.
USATODAY.COM
Your money should be working for you: Here are 3 year-end 401(k) moves to make
With low inventory, it's a #Seller'sMarket—it could take you months to find a home. Here's how to stay in the game.
THESTREET.COM
Buying a Home Will Take Longer, Be Tougher in 2021
Everyone envisions something a little different for their #retirement. One thing we all probably have in common, though, is the desire for #FinancialSecurity after spending decades in the workforce. But how do you know if you’ll have enough to #retire?
THEBALANCE.COM
Can You Get By on the Average Retirement Income?
Campania has been recognized for a consecutive year for our outstanding service and wealth management process by Five Star Professionals. To obtain this award you must be nominated by a peer or client. 2020 was a difficult year to navigate for many. We were honored to be able to help to so many Families and Businesses navigate COVID19 and all that 2020 had to throw at us all. We feel accomplished and grateful that our efforts were again recognized and for all of the positive feedback we've received from clients. Thank you so much! We hope to be able to help you accomplish even more in 2021. Please don't keep us a secret- Pass our name along to a friend, family member or colleague you believe we can help. Thank you!
Despite all that is going on in the world, #LPLFinancial chief market strategist #RyanDetrick said the strong year-end rally in 2020 could have “#bulls smiling” in 2021.
MARKETWATCH.COM
What history tells us happens to the S&P 500 after a strong year-end rally, strategist says
#MortgageRates are around record lows. Is it time for you to #refinance your #HomeLoan? The decision is not a simple slam dunk. Here are three questions to ask yourself first.
MARKETWATCH.COM
Should I refinance my mortgage? Here’s how to decide
To say that #2020 wasn’t the best year is an understatement. For many of us, it felt like a giant global dumpster fire. Not surprisingly, the stresses of living through a #pandemic have had a terrible impact on our collective #MentalHealth, with rates of depression and anxiety skyrocketing. Many of us feel we can’t say goodbye to last year fast enough
THEGUARDIAN.COM
I teach a course on happiness at Yale: this is how to make the most of your resolutions
#FinancialFreedom can mean something different to everyone, but it always comes back to reaching those financial freedom goals you have — improving your #CreditScore; paying down your #debt, or investing and building your #RetirementFund. Here are five tips that may help.
THEPENNYHOARDER.COM
Here’s What Financial Freedom Really Means — and 5 Steps to Get There
It’s safe to say that life is not the same as it was a year ago and with that comes different issues that need new solutions. While no one has a crystal ball, there are things that we can expect to change permanently. Here are some of the things we need to prepare for in the “new normal"
USATODAY.COM
The pandemic altered financial behaviors for many. Here's what we can expect to change for good.
The #TaxCutsAndJobsAct of 2018, which brought the most substantial changes to the tax code in 30 years, is being challenged by #COVID. The good news is that because of those changes, there are some increased #TaxSavings that come with #homeownership. Learn more here.
SFGATE.COM
7 Tax Benefits of Owning a Home: A Complete Guide for Filing This Year
Everyone seems to worry about saving enough for or outliving #retirement funds. This implies that the only source of retirement savings is what each individual puts away. This isn’t necessarily true, this article urges us not to discount #SocialSecurityBenefits.
FORBES.COM
You’re Probably Richer At Retirement Than You Realize
In a recent update from the #SmallBusinessAdministration on the second round of #PaycheckProtectionProgram or #PPPLoans to small businesses, adoption has been rather slow. In fact, only about a quarter of the allotted funding has been requested. What’s different this time around?
MARKETPLACE.ORG
Businesses aren't flocking to this round of PPP loans - Marketplace
We thought #traveling was a nightmare in #2020 and eagerly awaiting the flip of the calendar, however, things are actually getting harder for #travelers in 2021. This collection of articles will help you navigate things as you head out on your next adventure.
FLIPBOARD.COM
Travel trouble: Why trips are getting more complicated and even more expensive
It’s getting to be that time of year, the time when you get your #TaxRefund. It can be tempting to use your #refund frivolously, but we have some other ideas. Here are 11 ways we think you should consider using your tax refund this year.
QUICKANDDIRTYTIPS.COM
11 Smart Ways to Use Your Tax Refund
Americans who receive #SupplementalSecurityIncome or #SocialSecurityDisabilityInsurance should be aware of the relationship between those benefits and the third round of government #stimulus. While the rules determining your eligibility for a third stimulus check should be similar to the first two checks, there may changes to eligibility requirements, income limits, and benefit amount.
CNET.COM
Stimulus checks and SSI, SSDI: Third payment changes, how to claim money and more
Last week, #MortgageRates shot up with #BondYields—but they're still well below last year's levels.
MORNINGBREW.COM
US Home Prices Spiked in December
We all have a money personality type, and our attitude impacts all our financial decisions, especially #retirement. Discovering your “money personality type” can help you avoid mistakes and build on your strengths, so your #financial future is more secure.
NEWRETIREMENT.COM
What is Your Money Personality Type? Will it Impact Your Retirement?
#JohnsonAndJohnson CEO Alex Gorsky joins "CBS This Morning" to discuss #FDA emergency use authorization of his company's one-shot #CoronavirusVaccine, a first.
CBSNEWS.COM
Johnson & Johnson CEO on one-shot COVID-19 vaccine authorization
The #AmericanDream of #EarlyRetirement may be unreachable for many. The #BostonCollegeCenterForRetirementResearch, in a recent study, found that the average age of retirement has risen to 65.7.
NEWRETIREMENT.COM
Early Retirement: 37 Tips, Tricks & Hacks for Reaching your Goal
In the blink of an eye the #COVID-19 #pandemic had extinguished the longest period of expansion in U.S. history. In terms of measuring the recovery, economists are looking most closely at #GrossDomesticProduct. Find out what goes into the measurement of an #EconomicRecovery.
FIVETHIRTYEIGHT.COM
How The Experts Are Measuring The Economic Recovery
#Americans are ready to spend, signaling a coming #economic boom, with $1.6 trillion in savings more than enough to close the hole in the #economy.
MEDIUM.COM
Americans are ready to spend
Money started wiring to Americans, and #StimulusChecks went in the mail from the #IRS this weekend. Here is what you can do if you don’t see any money in your account yet.
OREGONLIVE.COM
What to do if you don’t see the stimulus deposit in your bank account this weekend
#Inflation expectations, while volatile, play a critical role in #EconomicGrowth. Businesses and workers look to such forecasts when deciding how to raise prices or wages. This ends up guiding real price growth down the road. How do you feel about inflation?
BUSINESSINSIDER.COM
Younger investors reply 'OK boomer' to older generations' inflation fearmongering
#Investors will be watching joint testimony to #Congress by #FederalReserve Chairman Jerome Powell and #TreasurySecretary Janet Yellen on Tuesday and Wednesday amid concerns over how much further the recent surge in #TreasuryYields can run.
INVESTING.COM
Top 5 Things to Watch in Markets in the Week Ahead By Investing.com
