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As Americans become more conscious about the damage debt can do to their finances, there’s always a question of whether it makes sense to pay down first mortgages and home equity lines so more money can be directed to retirement ...

Tagged with: debt Economy equity estate finance financial planning Gary S. Williams housing mortgage retirement savings Taxes

It doesn’t matter whether a loved one dies suddenly or with warning — funeral costs can be daunting. According to the National Funeral Directors Association, which bills itself as the world’s leading funeral service association, the average cost of an ...

Tagged with: cost disclosure Economy federal trade commission Gary S. Williams

As older friends and relatives increasingly need our help, it’s not always possible for us to move back to personally oversee their care. The same goes for younger loved ones who face sudden illness or injury that robs them of ...

Tagged with: aarp elderly Gary S. Williams identity theft senior citizens

While most experts see little good news in 2011’s housing market, economic downturn is no reason to neglect maintenance on a home or lose sight of plans to relocate. The critical issue is planning intelligently for what spending you do ...

Tagged with: Banking credit score Economy Gary S. Williams growth housing market loan mortgage Real Estate Recession

As Americans become more conscious about the damage debt can do to their finances, there’s always a question of whether it makes sense to pay down first mortgages and home equity lines so they can direct more money to retirement ...

Tagged with: Banking budget credit credit cards debt finance financial planning Gary S. Williams interest rates loans money Taxes

For Americans over the age of 50, the time to consider long-term care coverage is now. Whether to buy it is a separate question that’s as individual as you are. Long-term care insurance (LTC) is generally recommended to people who ...

Tagged with: Gary S. Williams Insurance medical medicare nursing home

In August, the Wall Street Journal reported that student-loan debt now surpasses credit card debt as the No. 1 source of outstanding consumer debt, with some $829.8 billion in current federal and private school loans. For some, those statistics are ...

Tagged with: finance high school

There are many types of financial worries, but probably none as relentless as the costs of treating and supporting a special needs child. A 2008 MassMutual/Easter Seals study focusing on autism spectrum disorders, a range of conditions that can lead ...

No one wants to see someone they love in a nursing home. That’s why many older Americans and their families would opt for home-based care whether it’s for a temporary illness or disability, or end-of-life. Yet the best time to ...

Tagged with: nursing home

No one wants to see someone they love in a nursing home. That’s why many older Americans and their families would opt for home-based care whether it’s for a temporary illness or disability, or end-of-life. Yet the best time to ...

Tagged with: Gary S. Williams