As a 40-something, you’re likely in the midst of some financially demanding years, with a complex mix of responsibilities and assets you...

Pre-existing conditions can make it more difficult and expensive to get life insurance, but even if you have a chronic or terminal health...

Self-employed retirement planning As a self-employed, you may be paying thousands of dollars more in taxes every year! Therefore, it is...

How will you cover your expenses when you’re no longer receiving a paycheck? And how much money will you need in retirement? Those are...

When it comes to credit cards, it seems like everyone has a different one; at the same time, there also seems to be a few that are quite...

Debt has always been a word that weighs heavy on people’s hearts and can often bring up a sense of dread and fear. There are numerous...

IF YOU ALREADY HAVE a 401(k) for your retirement savings, do you need an annuity? It’s a question that many have asked. Although both are...

指數型的保險為什麼可以既有回報又安全？回答這個問題的時候，那一定繞不開「保底鎖利」，因為那是核心基底，非常重要。市場漲，指數跟著漲，直到封頂；市場跌，指數不會跌到負數，至少持平，用曲線圖來呈現就好像爬樓梯，不是直上直下，而是逐層攀升。...

華人的虎爸虎媽總是望子成龍望女成鳳，但是一個疫情爆出打亂了多少家長與家庭的規劃。我們知道美國大學，不單單只收住在美國的莘莘學子，也廣納來自世界各地的學生。美國大學入學方式多元，很多國際學生(華人學生)往往經過有計劃的規劃與栽培，都可以進入美國大學就讀。...

COVID-19疫情發生後，人們對未來的不可預期性，感受進一步加深了，特別是即將走向人生下半場的人。除了Social security還有什麼方法可以讓大家的退休規劃可以安全、穩定、持續保證的？如果這三項都要符合，那麼“年金”必有一席之地。...

In the past, the industry consensus for the best time to buy an annuity was between the ages of 50 and 65. The reason for this age range...

信用分數與收入對貸款有什麼影響呢? 1. 信用分數 抵押貸款時，較高的信用分數可以為您節省利息和提高貸款額。 您的信用評分代表您的整體信用記錄。它基於您的信用報告中的信息，其中包括您是否按時支付賬單以及總債務。貸款公司認為您的分數是您償還抵押貸款可能性的指標。...

在美國的文化裡，貸款是一個很普遍的事情，大家都喜歡貸款去支付生活中的一切物品，大到房子車子，小到電器家電。今天來這一篇文章和大家一起來掃盲關於美國房貸的一些種類和適合人群。 （一）常規/固定利率抵押 傳統的固定利率貸款具有一致性，因此是一個不錯的選擇-在您的貸款期限內，每月...

For many, owning a home is part of the American dream. For most homeowners in America, getting a mortgage is just one of the steps it...

Most people acknowledge that owning life insurance is important for their financial planning. But even when most see the need, they...