Now may be a good time to rethink your mortgage and consider whether refinancing is right for you. Refinancing may allow you to: Lower your monthly mortgage payment You may be able to take advantage of the current rate environment and lower the interest rate on your mortgage. If you get a lower interest rate, [...]
Hank Norsworthy was tired of having to walk down a dark hallway to get to bed. Diagnosed with multiple sclerosis about 40 years ago, he uses a rollator (a walker with wheels) to get around. After several friends adopted smart home technology to automate certain features, he decided to give it a try.A few months [...]
I recently saw a new study about retirement that asked participants what percent of their portfolio they can withdraw on a year-by-year basis in retirement. The majority of respondents said they could safely withdraw about 10 percent of their portfolio. As a financial advisor my response was “are you kidding?” Ten percent is more than [...]
How do you get started on a health and fitness journey in older age? Rather than focusing on goals that feel unattainable or unsustainable, you’re better off focusing on lifestyle activities that will keep you active and exploring — and allow for fun. Connie Smith, the Healthy Living Director for Florida’s First Coast YMCA, says [...]
Throughout your career, you’ve taken a vow to protect and serve your community. And as you near retirement, you want to know you’ll be able to relax and enjoy the benefits you’ve worked hard to earn. In fact, 88 percent of public sector employees find their retirement benefits extremely important, compared to only 65 percent [...]
Take a moment and make a list of all the expenses you'll have in retirement. It's not easy, is it? There are a lot of them, and they're not always easy to predict. Most people remember the basics, like food, housing, and transportation. But far too many people are forgetting about the three expenses listed [...]
Many people look forward to their retirement for years. However, once it begins, they may find all the newfound free time overwhelming. If you’re planning on retiring soon, having a plan for how you’ll spend your time is important for your health and happiness. Here are five ideas for staying mentally and physically active, as [...]
Riverhead’s identical twin police officers are retiring this week after more than three decades of police work together. Lt. David Lessard and Sgt. Thomas Lessard will walk out of Riverhead Police Department Headquarters for the last time as sworn officers Friday afternoon. The brothers chose to retire on the same day, though Dave started on [...]
Our economy is driven by demand. Demand is driven by people, and people make markets. This is a core belief in how we build, manage, and monitor our portfolios. So, as we look forward to September and the rest of this year, we’re exploring some essential mindsets that can be beneficial to keep in mind, [...]
If you are a wartime Veteran who meets certain income, net worth, age or disability requirements, or you are a surviving spouse, then you may be eligible for VA’s pension benefits. But did you know that VA’s Aid and Attendance and Housebound benefits, or enhanced pension, can boost your pension payments? If you need help with [...]