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  • Life throws us curveballs all the time. Most of these curveballs we navigate easily, but some end in misfortune with a death. Typically, if satisfactory planning is not completed, the bad luck may continue for months, years, or even decades in the form of lost income, medical bills, or final expenses. How does this happen? […]

    Nathan Carmany
  • Healthcare plans are important to our quality of life and remain one of the most important benefits employers provide. Healthcare keeps citizens productive. Yet, the issue remains a hotbed for politicians, business owners, workers, and citizens. We see the headlines coming out of Washington from politicians and the posts from our friends on social media. […]

    Nathan Carmany
  • What is disability insurance? Disability insurance replaces income if an employee becomes ill or injured and can no longer work. Like with life insurance, individual and group (employer-sponsored) policies exist. Here we discuss the general qualities of disability policies. Benefits of disability insurance Disability insurance coverage may provide several benefits, including: -Replacing most income -Preventing […]

    Nathan Carmany
  •   Socially Responsible Investing + Planning = Better World Feats of Financial Engineering Topics: 1. Transferring Credit Card Debt 2. Increasing Portfolio Risk 3. Letting Your Gains Run 4. Borrowing Money to Make Money What more information on risk management?  Check out this article.

    Nathan Carmany
  • Socially Responsible Investing + Planning = Better World Topics 1. Fiduciary standard 2. Suitability standard and sales agents

    Nathan Carmany
  • Thisthatandthose.com Socially Responsible Investing + Planning = Better World Topics: 1. Student loan debt from 2000 and 2016 2. Playing from a weak position 3. Balancing financial priorities Work Cited: 1. http://money.cnn.com/2002/03/08/college/q_studentdebt/ 2. http://www.morningstar.com/advisor/t/114659614/how-student-debt-affects-retirement-wealth.htm

    Nathan Carmany
  • Today’s business environment changes quickly as innovations create efficiencies like being able to have a meeting with participants across the globe. Even amid change, one fundamental truth remains the same: namely, that businesses need people to run. After all, business reflects a relationship between people. Because people are involved, employee benefits to keep workers healthy, […]

    Nathan Carmany
  • Simple; the answer should be $0, but for most families that is not a reality. So, the question needs to change: What student loan debt can I support? First, a quick look at a few important numbers. The past few years have seen 70% of graduating students leave college with a loan (or loans) (1.) […]

    Nathan Carmany
  • 2016 will be closing quickly.  Like the Cubs, you can finish strong and put your finances in order for 2017.  One way to carry out this task involves a few simple techniques outlined by Sheryl Rowling in her article, “Permanent Tax Savings and Techniques (1.)” Why is this important? Every year taxpayers tell the Internal […]

    ncarmany
  • For most Americans, owning a car remains a part of everyday life. For the car enthusiast, frequent maintenance, as well as knowledge of how the car works, become part of regular conversations. For the non-car enthusiast, finding a trusted mechanic is like becoming a treasure hunter searching for gold on the seafloor with no boat. […]

    ncarmany