Many times individuals receiving long-term disability insurance benefits from a group or individual plan will be required to file for Social Security disability benefits as well. This is because most long-term disability policies allow the insurance company to reduce payments dollar-for-dollar by the amount received from Social Security. What is a Social Security Offset? For …

Earlier this year, the trustees for the combined Social Security and Medicare funds reported that the well is running dry. If nothing changes to fix the problem, Social Security will need to start cutting benefits by 21% in 16 years. Along with Medicare, Social Security might be the nation’s most important social program. According to …

To successfully manage and maintain a small business, just like with a home and family, you have to be disciplined and attentive in managing your cash flow. Even while making healthy investments and spending for long-term planning, it’s essential that your cash flows stay positive and that you always have enough liquidity to handle any …

According to Turnbull and Scott, studies indicate that approximately 85 percent of people prefer to shop in a brick and mortar shop compared to online. This is surprising news, considering the increased popularity of mobile and online shopping. However, retail shops have their work cut out for them. A key factor in obtaining and maintaining …

Social Security Disability Insurance is an important financial safety net for people who are unable to work due to physical or mental disability. Contrary to popular belief, many of those who are receiving these benefits do want to work. However, despite a nationwide downtrend in unemployment, finding jobs for those who are disabled is not …

Financial organizations and banks have recently begun giving their customers the option of utilizing a virtual assistant to access their bank balances and even pay bills. These assistants (Apple’s Siri, Google’s Assistant, and Amazon’s Alexa) will soon also be able to send funds after the voice command to do so has been given.   However, …

There are numerous several important legal tasks and matters to keep in mind when running a business, and it is important to consider best practices to properly address them. If these expenses are not approached in a cautious manner, resulting in legal fees and ramifications from not the following policy can be costly. Be aware …

The most recent indication of a healthier economy can be seen in that there are fewer Americans applying for Social Security disability benefits, which could reverse the trend that was threatening the security of the program for decades. The change in the number of applicants is so dramatic that the SSDI agency extended the estimated …

Running a business of any size can be a complex feat. Hiring a PEO (Professional Employers Organization) can be a cost-effective way to outsource human resources so that you can give your attention to business tasks that only you can complete. PEOs won’t be right for all businesses, but companies that do rely on their …

Have you ever been concerned if you will have enough in savings if an emergency were to occur? It may not be simple, but methods of saving enough for a good emergency do exist in case unforeseen expenses come up. Many Americans who are living from one paycheck to the next have a difficult time …