Author: Centuria Financial

Retirement Savings: How Much is Enough?

Without a goal in mind, saving for retirement can feel like running a marathon without a finish line—a constant and tiring struggle. Lacking a retirement savings objective can make it difficult to set up a realistic savings plan, determine a retirement budget or even accurately manage your retirement investments. Yet fewer than half of Americans […]

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Time to enroll in Medicare

Now that you’ve turned 65, you may be eligible to enroll in Medicare.  Don’t delay your health care coverage—explore your options for Medicare enrollment today. Deadline: The last day of the three-month period after the month you turn 65. If you miss this deadline, you’ll have to wait for the General Enrollment Period, which lasts […]

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Managing Health Care Costs in Retirement

You have probably heard the expression, “If you haven’t got your health, you haven’t got anything.” Unfortunately, in a world of skyrocketing medical costs and low investment returns, many retirees are beginning to think, “If I haven’t got my health, I won’t be left with anything.” It’s been getting harder to prepare for retirement, and […]

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Insurance for New Parents

As your family grows you’ll need to reevaluate your insurance elections and update accordingly. Risk management may be the last thing on your mind when your child is first born, but it’s actually an urgent matter to take care of sooner rather than later. Health Insurance Start thinking about health insurance long before the baby […]

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Creating a Strategic Giving Plan

Whether it’s dropping spare change in the Salvation Army bucket during the holiday season, responding to a national or international crisis by donating to disaster relief or volunteering at your church, most people have at least some interaction with charity on an annual basis. Donating can come from many sources of motivation such as improving […]

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Estate Planning for Newlyweds

Estate planning might sound like something only your wealthy great-uncle Frank has to worry about. You may wonder how your worldly possessions could possibly qualify as an “estate.” Believe it or not, almost everyone needs to take care of some basic estate planning, especially newlyweds. Most newlyweds don’t want to think of the possibility of […]

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Avoiding Charity Fraud

The thought of someone pocketing a charitable donation unthinkable. However, there are some for-profit organizations or individuals that seek to do just this. Charity fraud does exist, and it’s not always easy to recognize. Many scammers posing as charities use tactics or names that are like real charities, but use donations in an entirely different […]

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8 Steps to Buying a House

Buying a house is probably a completely different experience from any other purchase you have made before. The process of securing a loan, looking at houses, negotiating prices and closing the deal all add up to a unique purchasing experience.If you’re buying your first house,it’s likely the most expensive purchase of your life.You’re not only […]

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4 Steps to Attainable Financial Goals

Imagine you’re planning a family vacation, and your spouse wants to drive, while you want to book a flight. If you’re planning a trip to the campground near your house, it would be ridiculous to fly; if you’re planning a trip to Europe, driving is out of the question. Your destination largely influences how you […]

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Four Financial Questions for Engaged Couples

A good marriage relies strongly on good communication. Yet so many couples neglect discussing their finances with each other, either because it’s an emotional subject or because they just don’t know what financial topics they should be talking about. Since money squabbles are at the heart of many divorces, it’s important to sync up your […]

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