Baby Boomers and Homelessness Millions of baby boomers who had hoped to enjoy their retirement as an endless vacation are instead preparing for a new stage of work driven by the need to make ends meet. Consequently, a growing number of older boomers are experiencing financial hardship. And of those, many are either facing homelessness […]

When banks lend an individual money, they first qualify that person to determine their creditworthiness and the likelihood of the bank obtaining a timely repayment of the loan, including interest. If the bank determines the loan to be an unacceptable risk, the bank will require the buyer to pledge collateral, making the bank a secured lender […]

Living Off The Grid – Van Dwellers While most people in life-changing trouble are doing their best to return to their previous way of life before their troubles began, many have taken the opportunity to actually “opt out” of the system entirely. They have become van dwellers. They have chosen an alternative pathway. Van dwelling […]

If you were seriously injured on the job or suffered from a job-related medical condition, you might be entitled to workers’ compensation benefits. These may include medical benefits and monthly income payments until you can return to work. Construction work is by far one of the most dangerous occupations. Construction site accidents kill and injure […]

Undocumented Immigrants Opening U.S Bank Accounts Most banks have traditionally only allowed undocumented immigrants to open bank accounts after providing a valid Social Security number as their primary identification. This requirement has left many undocumented immigrants relying on secondary sources like check-cashing outlets to cash their paychecks, even though they charge exorbitant fees. IRS Taxpayer […]

   Earnings Affect Social Security Retirement Benefits You are permitted to collect Social Security retirement benefits while you are employed. Your earnings, in and after the month you reach your full retirement age, will not affect your Social Security benefits. However, the Social Security Administration (SSA) will reduce your benefit amounts if your earnings exceed […]

This Resource Guide Covers Useful And Important Information On The Following Elder Needs And Topics: Social Security Medicare Medicaid Nursing Homes Assisted Living Caretakers Senior Life Insurance Elder Housing Elder Advocates Are You 65 Or Older? If so, this resource will assist you in understanding the many resources and benefits available to you. It’s 2023 […]

What to Know When Naming an Executor An Executor is a person named by a testator (someone who has made a valid will) to manage the concluding affairs of the deceased such as making sure debts are paid, accounts are closed, and the designated beneficiaries receive their inheritance. When Family is Chosen as Executors In […]

What To Know About Cash-Out Life Insurance Options Protecting your family by taking out a life insurance policy when you were young was responsible and financially sound. You have faithfully paid your monthly policy premiums for over thirty years. The two beneficiaries of your life insurance are your two children, who you have been well […]

I Am Broke And Can No Longer Pay My Student Loan Debt Q. I suffered severe injuries in a car accident last year. I am now financially struggling just to feed and clothe myself and my family. The doctors have put me on total disability, so I am no longer able to work. My disability from […]