Why do you need insurance? Insurance is how you manage risk. Essentially, you transfer the risk to the insurance company. When you buy insurance, you buy peace of mind against something bad happening. Listed below are three types of insurance that will protect you and your family. We’ll also … [Read more...] about Insurance Tips
West Yavapai Guidance Clinic
Improving Your Mental Health
Each year, millions of Americans face the reality of living with a mental illness. Let us all join the national movement to raise awareness about mental health. Let’s help to fight stigma, provide support, learn to take time for ourselves, seek professional help when needed and check in on family, … [Read more...] about Improving Your Mental Health
Are Target Date Funds Right for You?
Target Date Funds are all the rage! Do you have your investments in them? They can be used for retirement funds, HSAs and 529s. Is this the smart direction for your investing? Will you maximize your returns? Let’s take a look at them and then you can decide if this is your best course of … [Read more...] about Are Target Date Funds Right for You?
Home Buying: How Much Can You Afford?
Many people want to live the dream of owning their own home. Paying rent is a waste of money, they say. What you don’t want to happen is to overbuy or overextend and turn that dream into a nightmare. How much can you afford? Owning a home is special, and you must prepare accordingly. We will … [Read more...] about Home Buying: How Much Can You Afford?
Beneficiaries: Why are They Important?
A task often overlooked by many is making certain that a beneficiary is named for important financial assets. If you love your loved one, do it now. Get your affairs in order. It makes no difference how old you are. This must be done for a number of reasons. The No. 1 reason is to make sure that … [Read more...] about Beneficiaries: Why are They Important?
The Debt Epidemic: Cure it Forever
America is drowning in debt. The average debt in America increased by $601 billion in the last quarter compared to the previous year. Mortgage debt rose by $120 billion. Student loan debt increased to $1.51 billion. Auto loans increased $16 billion. Credit card debt increased by $46 billion. A train … [Read more...] about The Debt Epidemic: Cure it Forever
How Service Dogs Help People with Disabilities
Service animals, as defined by Title II and Title III of the American Disabilities Act (ADA), are defined as dogs that are individually trained to do work or perform tasks for people with disabilities. This disability can include a physical, sensory, psychiatric, intellectual or other mental … [Read more...] about How Service Dogs Help People with Disabilities
Making ‘Brain Change’ a New Year’s Resolution
The start of a new year often inspires a flurry of resolutions related to things we plan to change or improve. Many people jump on the fitness wagon and sign up for a gym membership to help them shed the holiday pounds. Others resolve to tackle debt or save money. Some people resolve to change jobs … [Read more...] about Making ‘Brain Change’ a New Year’s Resolution
Coping with the Holiday Blues
Many of us may approach the holiday season with pleasure. It is, however, often a difficult and stressful time, too. The pandemic is making it necessary to miss some treasured holiday traditions. We are cautioned to avoid travel and to only gather with people in our “bubble.” Many families in our … [Read more...] about Coping with the Holiday Blues
Considerations for Dealing with Debt
When you consolidate your debt, there is the possibility that you could lower your interest rate. The payments may be lowered and there will be only one payment to make instead of numerous payments. When you consolidate into one loan, you most likely will be extending the time to repay. When you … [Read more...] about Considerations for Dealing with Debt