Displaying All Posts by Genworth

Be Self-Employed & Smart: Know Your Insurance Options

Insurance options

Congratulations! You are one of the estimated 42 million Americans who has managed to escape the corporate treadmill and have found success in a partnership or sole proprietorship, or perhaps even as a contractor or freelancer.  You’ve found that there are plenty of perks being your own boss and having more control of your day-to-day duties when you are self-employed. You are also likely able to spend more quality time with your spouse and family members.

But you also realize there are some slight disadvantages in the situation. For one, you are the one ultimately responsible for your own successes and failures. Not only that, but you also recognize you are very likely taking on some additional financial responsibilities that may have previously been covered by a previous employer – many of which fall outside your standard office expenses. I’m talking about things like knowing all your insurance options such as retirement/401k options, health insurance, and life insurance. Click Here to Read Article …

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How to Teach Your Kids About Managing Finances

How to Teach Your Kids About Managing Finances

It’s difficult enough to stay on top of your own finances – to constantly pay bills, mortgages, car payments, insurance payments, groceries, health care, and other personal expenses all while trying to save and invest along the way. Sometimes you can adopt a tunnel-vision mentality, plowing through the list of tasks and duties while taking care of your family.

Your children are taking in your actions and learning from example. How you manage your finances can affect how they manage theirs later in life. So how can you teach your kids about managing finances as they grow up? Click Here to Read Article …

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From Careerist to Caregiver: Raising Children with Special Needs

Raising Children with special needs

When I got pregnant with my first child, I was determined to be an amazing parent while still maintaining a fulfilling career. After all, with a child on the way, my income would be vital. My plan was to take three months off and then get a nanny part-time. Fortunately, my mother also offered to assist by watching over her new granddaughter two days a week.

However, I soon found out that despite my best-laid plans, things could quickly go awry. My beautiful baby was born with special needs. While my motherly instincts kicked in and guided me through many of the initial challenges, nothing could quite prepare me for all of the difficulties of raising a child with disabilities. Particularly, as a single mother. Click Here to Read Article …

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What You Must Know Before You Invest in Life Insurance

Editor’s Note: Information contributed by Genworth Financial.

My husband and I have just had our first child. All of a sudden we find ourselves catapulted into the unknown, from the micro to the macro. Everything is new to us from the diapers, to the (lack of) sleep schedule, to the re-budgeting of our expenses.

We find ourselves thinking about finances a lot more than we used to. And it has occurred to me that one of the benefits of being together for a long time is that our finances have had time to knit themselves together. Sometimes, I rhetorically think to myself that falling in love might be easier than deciding on things like joint bank accounts – although that is debatable. Click Here to Read Article …

Long-term Care: What Are the Options?

Editor’s note: Information contributed by Genworth Financial.

I recently wrote about the benefits of opting into Long-Term Care Insurance (LTCI) plans for both the employer and employees.

While long-term care can seem like something in the distant future and might not rank among the top five things that must be taken care of now, it’s one of those important life decisions that should be made early one, before it’s actually a necessity. Click Here to Read Article …

LTC Plans — Benefits for Employers and Employees

LTC

Editor’s Note: Information contributed by Genworth Financial.

Did you know that at least 70% of people over age 65 will require some long-term care and 40% of people under age 65 already require long-term care? LTC costs are increasing beyond the rate of inflation – at a rate of about 4.35% yearly growth. That equates to over $17K annual increase in costs.

Now, more than ever, it’s vital to consider the implications of planning for the future. Click Here to Read Article …