🔐 Happy Friday, everyone!
Data breaches are becoming all too common, with 2024 seeing major incidents from AT&T, Dell, and more. But don’t panic – while we can’t stop a hack, we can protect ourselves. 🛡️
💡 One great tip: freeze your credit. It’s quick, easy, and free, but you’ll need to do it for all three bureaus: Equifax, Experian, and TransUnion. 💳
🧠 Key Takeaways:
1️⃣ Freezing your credit prevents new lines of credit from being opened in your name.
2️⃣ Remember to lift the freeze when needed – especially for things like mortgages. 🏡
3️⃣ Don’t forget to freeze your children’s credit too, they’re prime targets! 👶
Credit Bureau Inormation:
Equifax: https://bit.ly/3XowIin or 800-349-9960
Experian: https://bit.ly/47f8871 or 888‑397‑3742
TransUnion: https://bit.ly/3OVM0ET or 800-916-8800
Stay proactive, protect your identity, and have a great weekend! ✨
Rising Costs 📈
🎙️ Episode 18 of Living Richly with Curo drops tomorrow!
As health care costs rise 📈, especially before Medicare, it's crucial to stay informed and plan ahead. 📝
Professional guidance can help you navigate the complex landscape of health insurance options and ensure you're prepared for the future. 🛤️
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
🚨 Attention eldest daughters! This one is for you.
🗓️ August 26th is National Eldest Daughters’ Day celebrating oldest daughters who often become parentified in their households.
🔍 AgeLab at MIT has conducted scientific research specifically about the impact of the oldest adult daughter. According to their findings, she is the one who is most likely to become the caregiver in the event one of her parents needs help. 75% of unpaid caregivers are women.
🥪 The term sandwich generation has been used to describe adults (mostly women) who taking care of both their aging parents and their children at home. For the oldest adult daughter, planning for not only the physical and emotional demands but the financial demand of this phenomenon is critical.
Here are some things to remember when considering a plan:
💲 Fund yourself and your retirement first.
🛡️ Protect your income.
📄 Create an estate plan for both you and your parents.
If you need guidance, reach out to a financial professional. We are here to help!
Feel free to drop your questions in the comments below.
Health Insurance 🏥
🎙️ Episode 18 of Living Richly with Curo drops this Friday!
Welcome our special guest, David Hillelsohn, founder of DHill financial!
David has over 25 years of experience in the insurance industry and has great knowledge to share.
💡 One important idea is understanding that the real cost of your health insurance can be eye-opening. Without your employer's subsidy and guidance, navigating the vast options in the market can be overwhelming. ⛰️
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
What does living richly mean to you? 🤔
🎙️ Episode 17 of Living Richly with Curo drops tomorrow!
We loved hearing Anne-Marie’s response to our classic question: “What does living richly mean to you?”
Join us tomorrow to hear more about Anne’s last 9 months since retiring!
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
Early Retirement 🕰️
🎙️ Episode 17 of Living Richly with Curo drops this Friday!
🎉 We’re thrilled to welcome a familiar face, Anne-Marie Laboe, onto this episode to share some advice about retirement!
📋 When planning for retirement, it's wise to double your expected expenses, especially in the first year when unexpected costs can arise. 💸
💡 Contrary to popular belief, many people are likely spend more in retirement due to the increased free time and already established spending habits.
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
New Beginnings 🌱
🎙️ Episode 16 of Living Richly with Curo drops tomorrow!
The loss of a spouse is a life changing event. Change is a natural part of life, and embracing it can lead to new beginnings. 🌱
Lean into the transformation and welcome the opportunities that come with it. 🌟
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
Find Your Purpose 🔍
🎙️ Episode 16 of Living Richly with Curo drops this Friday!
We’re wrapping up our series on the passing of a spouse.
💡 We encourage anyone in this phase of life to embrace your new journey by rediscovering your passions and interest.
🔍 Whether it's exploring new hobbies or starting a new business or fresh career, this is your chance to define your own path and carry on the legacy of a loved one. ✨
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
🚀 Happy Friday, everyone! 🚀
This week, market volatility took center stage, and Anne is here to break down why and what it means for you as an investor.
🎯 Why the volatility?
1️⃣ The Japanese Carry Trade: 📉 The Bank of Japan raised rates, making borrowing less attractive and impacting hedge funds worldwide.
2️⃣ U.S. Unemployment Rate: 📊 It rose slightly, triggering recession concerns. But let’s not panic – jobs are still being created!
3️⃣ Earnings Season Woes: 🤖 Disappointing AI reports from big players like Microsoft and Amazon, plus Warren Buffett cutting his Apple stock, added to the market jitters.
So, what should you do during times like these? 🧐
🌟 Key Takeaways:
Volatility is normal – since 1980, the S&P 500 has ended positive in 75% of years despite an average annual selloff of 14%. 📉➡️📈
Think long-term – don’t make short-term decisions with long-term goals. 🕒
Turn off the noise if it’s stressing you out – sometimes doing nothing is the best move. 🔇
Market selloffs = buying opportunities – consider putting that extra cash to work. 💸
How do you handle market volatility? Drop your thoughts in the comments below!👇 We'd love to hear from you.
Thanks for watching! Enjoy your weekend! 🌟
#Investing #MarketUpdate #FinancialPlanning #WealthManagement
Updating Financial Plan 📊
🎙️ Episode 15 of Living Richly with Curo drops tomorrow!
In this episode, we’ll continue the discussion from last week: handling the death of a spouse from a financial standpoint.
🔄 When life changes, so should your financial plan.
🔍 We encourage those dealing with the loss of a spouse to focus on short-term goals and adjust the strategy to match the current situation.
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
Scenario Planning 🗓️
🎙️ Episode __ of Living Richly with Curo drops this Friday!
In this episode, we’ll continue the discussion from last week: handling the death of a spouse from a financial standpoint.
Considering a change following the loss of your spouse? Scenario planning can help you understand the financial impact of big decisions like moving or changing careers. Make informed choices! 📊
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
Social Security Survivor Benefits
🎙️ Episode 14 of Living Richly with Curo drops tomorrow!
In this episode, we’ll be covering a tough topic: handling the death of a spouse from a financial standpoint.
💡 If your spouse recently passed, you might be eligible for Social Security survivor benefits. This could provide some financial relief during the tough times. Always check your options! 📑
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
Build Your Team 👥
🎙️ Episode 14 of Living Richly with Curo drops this Friday!
In this episode, we’ll be covering a tough topic: handling the death of a spouse from a financial standpoint.
🔗 Creating a strong support team can make a big difference during tough times. Consider having a financial advisor, estate attorney, CPA, and even a therapist to support both the practical and emotional aspects of loss. 🛠️ 🧠
✉️ Send your questions to [email protected], and if we use your question you will receive a $10 Amazon gift card!
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
🎙️ Episode 13 Drops Friday!
Join us in giving a warm welcome to John Norce! John is the president and founder of MP Group and is a Medicare expert.
He suggests that before choosing a Medicare plan, make sure your doctors are in-network to avoid any care interruptions! 👩⚕️ 👨⚕️
And don’t forget to check if your medications are covered—keeping your health on track is key! 💊✅
John Norce, president and founder of MP Group, leads an independent Medicare insurance agency solely dedicated to assisting seniors transitioning into Medicare. Rooted in integrity, education and service excellence, MP Group has established itself as the leading Medicare resource for financial advisors nationwide.
Today, MP Group serves advisors and clients in 36 states, offering no-cost Medicare education and enrollment services. Through the experience of enrolling thousands of individuals, MP Group has developed a PATH℠ process, which provides a stress-free enrollment experience.
With over 35 years of industry experience, John enjoys sharing his Medicare knowledge as a featured speaker, continuing education instructor, and content creator. His passion for the insurance industry is evidenced by his leadership positions with the National Association of Benefits and Insurance Professionals (NABIP) and the National Association of Insurance and Financial Advisors (NAIFA). As an active member of these organizations, he has served as a past President of his local NABIP chapter and currently serves as the President of his local NAIFA chapter. John is a current member of the Financial Planners Association (FPA) and the National Association of Plan Advisors (NAPA).
By 2030, it is estimated that over 80 million Americans will be covered under Medicare. With the inherent complexities of the program, these individuals will seek out professionals to assist with navigating their retiree healthcare benefits. MP Group, under John’s leadership, will continue to evolve and find innovative ways to educa
🚫 Cons of a 401(k) Loan
🎙️ Episode 12 of Living Richly with Curo drops tomorrow!
🚫 One con of a 401(k) loans: it’s a loan against your retirement account.
💸 Your 401(k) is meant for your future, not for today's expenses! If you're dipping into it early, something likely went wrong.
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #401k
Pros of 401(k) Loans 💸
🎙️ Episode 12 of Living Richly with Curo drops this Friday!
🔍 Here’s sneak peek of the topic: 401(k) loans!
🔑 A 401(k) loan can be a simple and useful way to get a loan. It’s your money, there are no credit checks or other hoops to jump through, and interest goes back into the account.
Stay tuned tomorrow to hear some of the potential cons….
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #401k
🎙️ Episode 11 of Living Richly with Curo drops this Friday!
🎙️ Episode 11 of Living Richly with Curo drops this Friday!
Join us in welcoming our first guest, Leo Anzoleaga!
Leo Anzoleaga (NMLS ID #251882) is the Senior Vice President of Residential Lending at NEO Home Loans. As a certified mortgage planning specialist, Leo and his team at the Anzoleaga Group specialize in building personalized mortgage plans for each client which includes a Total Cost Analysis, Annual Financial Reviews, and the Mortgage Under Management program. He is a Forbes Finance Council member and often works with CFPs and real estate agents to bring holistic home-planning strategies and plans to homeowners and home buyers in 49 states.
Learn more about the Leo Anzoleaga Group at https://www.anzoleaga.com/.
Financial Advisors who are interested in joining the Mortgages Under Management program can join at https://www.mortgageundermgmt.com/.
Follow Leo on Social:
Instagram: https://www.instagram.com/leoanzoleagagroup/
LinkedIn: https://www.linkedin.com/in/leoanzoleaga
YouTube: https://www.youtube.com/@LeoAnzoleaga
Compliance disclaimer:
Equal Housing Opportunity. Lennar “Leo” I. Anzoleaga (NMLS ID #251882 DC:MLO251882 FL:LO113037 MD:28992 VA:MLO-6813VA). NEO Home Loans is a registered DBA of Luminate Home Loans, Inc. NMLS# 150953. Corporate Headquarters 2523 S. Wayzata Blvd, Suite 200, Minneapolis, MN 55405. For licensing information, go to: www.nmlsconsumeraccess.org. This advertisement does not constitute a loan approval or loan commitment. Loan approval and/or loan commitment is subject to final underwriting review and approval. Other terms and conditions apply.
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
🎙️ Episode 10 tomorrow!
🎙️ Episode 10 of Living Richly with Curo drops tomorrow!
💡 Here’s a quick explanation of a traditional vs. Roth 401k and which you might choose to fund depending on your current and expected marginal income tax bracket.
🎧 Listen at the links below:
YouTube: https://buff.ly/4a4Z7gN
Apple: https://buff.ly/4alpvmM
Spotify: https://buff.ly/4bbh9Px
#LivingRichly #Podcast #PersonalFinance
