Many people realize that the best way to stay in shape is to develop an appropriate fitness regimen and then stick with it. If you start a fitness program and drop out, you never give yourself a chance to become physically fit. In the long run, regular workouts pay off. It is the same with [...]
This sensational summer dessert is made with your favorite ice cream and fresh blueberries, strawberries and blackberries, folded and frozen into a graham cracker crust. Serves 6–8 Ingredients: For the crust 1½ cups graham crackers, crushed ⅓ cup butter, melted Ingredients: For the filling 2 pints vanilla ice cream, softened 1 cup blueberries 1 [...]
From chargrilled food to backyard games—barbecues are the epitome of summer living. Regardless of your party hosting style, throwing a barbecue doesn’t have to be challenging. In fact, you should have as much fun planning one as you would attending one! Use these tips to help you host a barbecue that will be the talk of [...]
Insurance is crucial for any small business. Small-business owners may find themselves in a difficult situation without proper coverage if they suffer building damage or face a lawsuit. While obtaining adequate insurance for your company is critical, knowing when to reassess your coverage is also essential. As your business grows and changes, so do your [...]
As summer heats up, it pays to take a good look at how flexible you are. When you plan for the future, you need to be adaptable. No one knows what tomorrow holds. This is certainly true in the world of work. In a few short months, we will celebrate Labor Day. President Grover Cleveland [...]
Environmental, Social, and Governance (ESG) investing is on the rise throughout the world. A 2018 study from Harvard University’s Kennedy School of Government found that ESG investing now accounts for nearly $30 trillion, which is more than one-fourth of all assets under professional management worldwide.1,2 Here are some definitions and considerations to make when diving [...]
Summer is here, and it could be time to hit the road on a new adventure. If you’re on a tight budget, you don’t have to give up your summer vacation dreams. Here are a few tips you may be able to use to create the perfect vacation on a limited budget. 1. Travel During [...]
In United States v. Windsor (2013), the U.S. Supreme Court struck down Section 3 of the federal Defense of Marriage Act (DOMA) which required that federal statutes, regulations, and rulings are interpreted as defining marriage as a "legal union between one man and one woman" and a spouse as "a person of the opposite sex [...]
Generally, to be considered a tax-free exchange rather than a taxable surrender, you cannot receive the annuity proceeds directly—the proceeds from the annuity must be paid directly to the long-term care insurance company. Also, Section 1035 applies only if both the annuity contract and the long-term care insurance policy are owned by the same person [...]
Whether your child was just born or is heading toward high school graduation, a 529 savings plan may help you put aside funds to pay for college expenses without paying taxes (federal and some states) on any dividends and gains.1 However, 529 plans have some specific rules, regulations, and restrictions that parents must know before [...]
