Do you have a plan for long-term care? Chances are, many of us will lose our independence one day. An accident, illness, frailty or cognitive impairment can change the course of a life. Almost half of our current population age 85 or older need supervision due to a cognitive impairment. Some people will only need care for a few months, while others will need care for six to 10 years or more. You can’t predict what happens, but you can plan.
Navigating the current construction marketplace will take patience and planning. Contractors are experiencing price increases in almost every building-related product in the industry, due to market forces and new tariffs. The California real estate and construction market was very busy before we lost more than 10,000 structures to the destructive wildfires of 2017. Now is an optimal time to build, and people need a new way to erect more durable structures for our communities.
Life today is demanding—work, family, relationships, commitments and responsibilities take up most of your time. Chances are your to-do list is so long, sometimes even going on a date with your partner can feel like an obligation. Have you ever felt like you can’t add one more task to your plate? Whether you’re self-employed or work for someone else, stress is a reality that affects everyone.
You’ve seen the ads and you’ve gotten the calls. The flashy fliers arrive as soon as the “For Sale” sign is taken off the front lawn and the calls always ring at the wrong time. I’m about talking about, of course, home and business security systems sold by huge corporations that want you to believe they’re the only game in town.
The fires that ripped through Sonoma County during the October 2017 firestorm provided a raw look at the cost we pay for the energy we need to power our lives. Regardless of whether it was the high voltage electric lines that started the fires and melted natural gas lines fanning the flames, propane tanks were seen and heard bursting into flames from miles away. Clearly, it’s obvious now that the energy-heavy or combustion-centric life we lead, has dangerous pitfalls.
Last April, President Trump appointed Neil Gorsuch as an associate justice to the Supreme Court. During his confirmation hearing, Gorsuch said, “Because of inflated legal fees, there’s now a rash of litigation pro-se in this country.” As soon as I heard that, I thought of coming out of retirement and coaching people on how to think strategically, while managing their own legal issues.
The firestorm that began burning through Sonoma County on the night of October 8 last autumn has affected everyone in our community in some way. By now, most people with homeowners and renters insurance should have received significant advances on their insurance policies.
During a recent conversation with my wife’s friend, she mentioned that her financial planner advised her to work three more years before retirement. Since she doesn’t particularly like her current job, I asked if she would like to retire now and she said she hadn’t acquired a large enough nest egg based on what her adviser told her. I asked her how much income she needed and she didn’t know.
Steve Jobs predicted it more than 30 years ago, and he nailed it. Indeed, computers are our primary mode of communication; wireless mobile computing is commonplace; and technology is continuously faster, cheaper, better – and more useful. By the end of this decade, it’s expected that as many as 50 billion devices will be online. What’s more, smart computing has made its way into our hands, enabling you – from just about anywhere in the world – to control, automate, and monitor activities in your home and business via the ubiquitous Internet of Things (IoT). That’s great news for you – and your business – because it means, at your fingertips, you can have greater control and flexibility over your home and business environments. This gives you greater efficiency/lower expenses, better safety, tighter security, and communication by voice and/or video when you need it.
Tengo Seguro medico, pero no se como usarlo! Or, as we say in English—I have medical insurance, but don’t know how to use it. The employee benefits world can be confusing, and providing information in an unfamiliar language only adds another obstacle, making it difficult to understand and use. With so many types of medical plans and employer arrangements, it’s no wonder Hispanic employees would rather go to a local clinic or emergency room than use the medical benefits given to them by their employers.
Investing is often a complicated subject. And with the proliferation of media, the over-abundance of pundits and opinions, it’s hard to know how invest in today’s world. Essentially, there are two options as to how to handle savings—consume or invest. The investment world affords two options: purchase assets, or lend your money.
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Whether you’re a new employer looking to offer benefits or a rapidly growing one looking to start over to attract a new type of employee, ask these questions to tailor a benefits package perfect for your firm.
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What long-term impact do you wish to leave to the people and causes that are important to you? Legacy questions are tough, and estate planning—an essential part of documenting your intentions—can be complex. One way to get the process started is to consider these basic steps.
If a nonprofit has cash but not a team to help it fulfill its mission, the vision will never come to life.
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