Common types of investment advisors you can hire

Common types of investment advisors you can hire
Financial planning is a daunting and technically challenging task. Its execution is more difficult without the help of a professional. And that is one of the main reasons why you should find individual consultants and advisory agencies alike to help guide you for proper compliance with regulatory agencies. It doesn’t matter if you are an individual or own and run a business organization, the following certified professionals rank highly among the best investment advisors in the country, representing your case. Certified Financial Planner (CFP) For a broad range of investment services, you can consult with a Certified Financial Planner. These professionals have a general understanding of all investment and financial portfolios. CFPs help in holistic planning and execution of the financial plan to generate the maximum rate of return by diversifying your investment. Generally, CFPs are qualified to provide sound investment advice for taxation, insurance, estate, and retirement planning. Note that CFPs must take several exams and stay up to date, especially in their areas of specialization to provide certain niche planning and advisory services. Armed with all the technical expertise and the latest know-how about financial services, CFPs rank at the number one position among best investment advisors. Certified Public Accountant (CPA) CPAs are experts in taxes and accounting.

4 Frequently Asked Questions regarding Medicare and its coverage

4 Frequently Asked Questions regarding Medicare and its coverage
Medicare is a federal health insurance plan available for people over 65, those with disabilities, and individuals with ESRD. It ensures that people needing high-quality, inexpensive healthcare coverage receive it. However, the various regulations involved in Medicare can make it confusing. If you are eligible to receive its benefits, you should know its coverage and, more importantly, its limitations. Here are some frequently asked questions regarding Medicare that might help clear confusion. I spent more than six months in a nursing home after a crucial surgery. Will Medicare cover my medical costs? The Original Medicare, a fee-for-service health plan provided by the federal government and Medicare Advantage, does not cover long-term care expenses. Unfortunately, this also includes long-term stays at nursing homes. Usually, long-term care involves some of the highest healthcare costs, especially for retirees. Basically, Medicare does cover limited stays in rehab facilities. For example, Medicare will cover your costs if you undergo hip surgery and need inpatient therapy for multiple weeks. However, the prices of long-term stays at a nursing home are beyond Med icare. To address this, you can consider buying private long-term care insurance. Or, if you have limited savings and income, you can check if other federal health programs can assist you.

Pocket-friendly AT&T cellphones for seniors

Pocket-friendly AT&T cellphones for seniors
Technological advancements have brought us incredibly powerful, sleek cellphones capable of various tasks at incredible speeds. However, senior citizens tend to prefer cellphones that offer basic functionality and maximum durability at an affordable price. Keeping these points in mind, major networks like AT&T have partnered with mobile manufacturers to bring seniors the following pocket-friendly cellphones and plans. This article discusses three popular options and a cellphone plan tailored for seniors. Top Budget-friendly Cellphones and Plans Cingular Flip™ IV Ease of navigation is one of the major requirements when it comes to cellphones for seniors. The Cingular Flip™ IV by AT&T provides just that with larger buttons, voice command recognition, and Bluetooth® and WiFi connectivity. It is also one of the more affordable AT&T flip phones for seniors at just $62.99 and packs smart features for tech-savvy seniors. Sonim XP3 Seniors looking for a mid-range cellphone can certainly go for the Sonim XP3, available for $189.99, also backed by a 3-year guarantee for the product. Moreover, the ultra-rugged phone is made with durable materials to resist damage from falls and features an IP68 rating for overall protection. Its key features also include bigger phone buttons, loud volume, and better battery life with up to 21 hours of usage.

5 tips for saving money on online streaming services

5 tips for saving money on online streaming services
Over the past few years, streaming services have grown exponentially. Nielsen’s monthly Gauge platform rankings show that the combined usage of all the streaming services in the country accounted for 34.8% of the total consumption, surpassing cable and broadcast. This is why many media companies have introduced their own subscription-based streaming services, but these can be expensive. So, here are some practical tips for saving money on these platforms. Use one service at a time Today, it has become increasingly difficult for viewers to keep track of all their subscriptions. Viewers lose the most money by forgetting to unsubscribe from a streaming platform after they are done with the service. So it is best to subscribe to one service at a time and cancel it before moving on to another. Opt out of unnecessary subscriptions If you have already subscribed to several streaming platforms, it is best to figure out which platforms you rarely use and can do without. Scroll through your phone and check credit card statements to track your subscriptions. Consider consolidating all your streaming services onto one credit card to track them easily. Over a few weeks, evaluate each service you are paying for and see if you use it frequently.

Key things to know about burial insurance

Key things to know about burial insurance
Planning one’s own funeral can be challenging and very uncomfortable. Yet, preparing financially for this inevitable event is essential. It alleviates the burden on one’s family and adds to their peace of mind. Getting a burial insurance policy is one way to meet the costs associated with the funeral, burial, and other end-of-life expenses. Read on to learn about the types of burial insurance, the coverages included, and the factors to consider when signing up. Types of burial insurance There are three popular types of this insurance plan: Simplified issue life insurance Individuals do not need to appear for a detailed health examination when applying for this plan. However, they would still need to answer a few health-related questions. The insurance company may not accept one’s application if they have pre-existing health issues or participate in high-risk activities that could be life-threatening. Still, this insurance type is sought-after because of swift approvals and relatively higher coverage amounts. Guaranteed issue life insurance This plan neither requires applicants to answer health-related questions nor appear for a health examination. If the applicant is between 50 and 85, they will likely be approved. However, this policy has a waiting period. Beneficiaries may not receive the full sum assured if the insured passes away due to natural causes during this period.

5 common mistakes to avoid when making a hotel reservation

5 common mistakes to avoid when making a hotel reservation
Planning for a vacation is fun. Thinking about the exciting places you’re going to visit, new cuisine, and entertainment adventures can lift your spirits. And since you can arrange everything from hotels to restaurant reservations online in advance, there’s not much running about to do. However, you must be cautious. Some holiday deals may sound too appealing to be true. A mistake while booking a hotel could cost you money and spoil your vacation. Not asking for refundable bookings If paying in advance, one of the biggest hotel booking mistakes to avoid is taking a non-refundable room. A non-refundable package may be cheaper, but travel plans can change abruptly. If you decide to shift your holiday destination and need to cancel, you may have to pay the penalty. So always book a room that comes with refundable rates and free cancelation. Going for the cheapest rooms available A lower price doesn’t necessarily mean it’s the best deal. With hotels, you must also read customer reviews while comparing the rates online. There’s a good reason the room is listed for a discount. So, find out what it is before confirming a reservation. Also, use pricing comparison tools available on booking websites.

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9 most common types of depression you should know about

9 most common types of depression you should know about

All of us feel low, upset, and unmotivated at some point in our life, but this isn’t classified as depression. Depression is a mood disorder that overshadows a person’s thoughts, feelings, and actions. Signs and symptoms of this grave disorder can range from feeling hopeless and tired to completely losing the will to live. There are several types of depression and they are listed below so you can understand depression and people suffering from it better. Major Depression (Clinical Depression) The hallmark trait of this type of depression is the constant feeling of sadness or loss of interest in social life or any outside stimuli. It often lasts for two weeks or more in which a person can experience symptoms such as hopelessness, fatigue, and suicidal thoughts. Dysthymia (Persistent Depressive Disorder) Dysthymia lasts for years and can disrupt daily life and interfere with personal and professional relationships. Individuals with dysthymia are often seen as dark, pessimistic, or complainers by others, and they have a hard time being happy in typically pleasant situations. Manic Depression (Bipolar Disorder) People with manic depression experience high degrees of mood swings. Their train of thought can take them from feeling euphoric to feeling suicidal in just a few weeks.
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Simple and practical guide points for expecting parents

Simple and practical guide points for expecting parents

Pregnancy is a new experience in every couple’s life, and one should understand a few things to ensure that the nine months are smooth and stress-free. Simply being prepared for pregnancy and looking forward to the joy of parenthood is not all there’s to childbirth. As a couple, you must understand, review, and adjust your lifestyle. Expecting mothers become their child’s nurturers and supporters from day one, but the expecting fathers, close relatives, and friends must also understand the key roles they will play right up to the due date. Here are a few simple family and pregnancy guide points to help you and your folks get started: Staying healthy Physical and mental wellbeing is extremely crucial for the expecting mother to ensure both her and the baby’s health. Diet plays a crucial role in this process, as the mother is now providing nutrition for the developing fetus as well as herself. As a family, you can take turns to ensure that the to-be mother is staying physically active, eating healthy and regularly, and not cultivating any bad habits. More importantly, family and loved ones should be prepared for the changes to come in the upcoming trimesters. Coping with changes – what to expect Morning sickness in the first trimester is quite common and can put a woman’s body under tremendous stress.
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