Are We Filing for Social Security Too Quickly?

These days, many people are living longer than they expect. There a significant amount of senior citizens in the 80’s and 90’s who are either in assisted living facilities or receiving regular home care. Many of these seasoned citizens didn’t expect to live past their late 60’s or early 70’s. This means that they may not have established a financial plan for this portion of their lives, and could have claimed Social Security too early. According to Forbes, about two-fifths of all Americans receive retirement benefits around the age of 62. By doing so, many American pass up their chance to get 76% higher benefits by not waiting until they are 70 to claim retirement. Only 2% of Americans start claiming Social Security retirement once they turn 70. Forbes asserts that there are three main reasons for this. The first reason is that many people are low on funds by the time they retire and needs to collect Social Security. The second reason is that Social Security tells the general public that whether we collect less money earlier or more money later, we’ll end up with the same amount on average. This is why many people don’t see the problem in collecting Social Security early. The third reason for early collection is superstition. Some people believe that by preparing for a longer life, they are asking for early death, and want to take advantage of their monetary benefits while they can. This also indicates that there are three types of people who collect Social Security early: those who have no choice, those who are relying on and being misled by what Social Security indicates, and those who feel they are preparing for a short term future that may extend beyond their planning. Social Security generally doesn’t account for the fact that many of its beneficiaries are now living into their mid to late 90s. Social Security also fails to realize that offering early collection date options is essentially like offering life insurance policies to senior citizens without explaining the policy clearly. When seniors forego their benefits for eight years or so to get higher benefits for the rest of their lives, this is similar to paying an insurance premium that results in more money when the senior citizen needs it.\ Overall, seniors should consider that overall living can be expensive. A fulfilling and functional life can sometimes include prescriptions,...

Read More

What To Do After Being Involved in A Car Accident San Diego

Automobiles are today’s primary means of transportation, so it’s no surprise that car accidents are becoming a leading cause of death throughout America.  With the increasing population, crowded highway and street traffic result. The injuries commonly sustained as a result of severe car accidents can be devastating. That is why it’s essential you stay up to date with California law regarding car accidents, and remember professional legal assistance is always available if you have been involved in a car accidently recently. Why Do I Need A Personal Injury Attorney? Car accidents are almost always sudden and unexpected; the result is potentially life threatening injuries physically and emotionally. Sadly the time to seek legal action is almost immediately following your accident; you have up to two years to pursue a legal case in the state of California. This time is also one of the most, if not the most, difficult periods of a person’s life and completing such a complex affair should not be done alone, you owe it to yourself to hire professional and expert legal representation. Visit here for further information on California’s statute of limitations Selecting The Right Representation A professional personal injury lawyer is able to review the specific details of your car accident and help you determine whether or not you should seek legal action as well as decide whether they are able to represent your case successfully in court. If a San Diego expert in personal injury like Yasmine Djawadian decides to represent your case she will work relentlessly to ensure the person held accountable gives legal compensation for the hardships you and your family have faced as a result of their negligence. Yasmine Djawadian is a San Diego based attorney who is ready to lend her expertise to anyone who has been injured in an accident. She is an expert in the many areas of California personal injury laws pertinent to car accidents, and is able to lead her clients through the myriad issues that come up after an accident. She has a keen knowledge of the California laws pertaining to personal injury cases, wrongful death suits, slip and falls cases, and other related accidental injuries. It is her goal to bring every client’s case to a successful conclusion, and obtain the highest possible settlement level in every case she represents. If you have been injured in a car accident and are in...

Read More

Spring Home Building Begins

If you are in the market to build a new home, Spring is typically the time you want to get started.  Home building continues to improve across the country as the economy continues to stabilize for most Americans.  Obviously, some areas of the country are seeing more home building starts than others, but overall, home construction is off to a pretty good start this spring. With home values going up over the last couple of years, some people are selling their existing homes and looking to build new.  Home construction loans and other home mortgages are seeing more flexible guidelines, which is making it more attractive to individuals to purchase land and build their new dream home. When building a new home there are typically several steps when financing the complete project.  In some cases, the home builder will finance the entire project through one of their preferred lenders.  In other cases, you may want to get a home construction loan package that typically pays off the land cost and then has an improvement and construction allowance that will pay for services as they are completed by contractors.  Once the home is finished, then the loan is rolled into a standard home mortgage. Of course, one of the most important considerations is selecting a qualified home builder.  Stone Creek Building is a custom home builder in Portland, Oregon that specializes in building custom homes on the clients land.  They are a certified green home builder meaning they incorporate design elements, system and materials that create superior indoor air quality, use natural resources responsibly, protect land and lower water...

Read More

Set Up Your Estate Plan Today!

Many people have the misconception that only “wealthy” individuals need estate planning.  Estate planning is beneficial to almost everyone.  If you are married, have children, own a home or other assets, you should have an estate plan in place. Another misconception is that estate planning only handles matters at your death.  Living trusts allow you to designate how certain assets are held and managed, which can provide significant benefits to you and your heirs. The most common aspects of estate planning include the following: Living Trust Irrevocable Trust Land Trust Pour-Over Wills Certification of Trust Last Will and Testament (Individual wills and wills for couples) Durable Power of Attorney Limited Power of Attorney Advance Directive to Physicians (Living Will) Common estate planning questions include: What is a Trustee? What Is Estate Planning? Do I Need a Will or a Trust? What is Probate? What is a Living Trust? The Differences Between Wills and Trusts California Community Property  Transferring Encumbered Property to a Land Trust If you are located in California, contact the estate planning attorneys at Gehres Law, located in San Diego.  They serve clients throughout the San Deigo area including Chula Vista, Coronado, El Cajon and La Mesa.  They also serve the Orange County, CA area from their business law office in...

Read More

Does A Life Coach Cover Work Related Topics Or Personal Ones?

A life coach possesses many positive attributes including the ability to listen attentively and ask good open-ended questions that help clients make the right choices in their lives. Successful life coaches can maintain a professional relationship with their customers and still empathize with them at the same time. Life coaches must be well organized, energetic, and capable of inspiring and motivating clients to be the best they can be. They accomplish this by focusing on the person and their individual needs. They assist people in making life-changing decisions that can affect their lives both professionally and personally. Life coaching is an active, hands-on endeavor to help individuals make the decisions that are critical in all areas of life. They do not take the place of mental health professionals who deal with psychological disorders but help clients in many critical areas of life such as relationships, finances, and careers. They encourage individuals to re-evaluate their lives and guide them through making tough decisions. They assist in prioritizing their wants and needs and help them in gaining an increased sense of purpose and control. Change is an inevitable fact. Most people accept it, but some struggle to come to terms with it and move forward. Many have a difficult time coping with changes and need help with major transitions. Life coaches offer guidance and advice to help those individuals move along on the path to success. Some of the major turning points in a person’s life such as starting a new career or moving forward after a divorce may seem overwhelming to some. Life coaches help these individuals simplify their lives by showing them a fresh perspective. An individual and a life coach work together as a team to set achievable goals. It is important for the client to understand that takes hard work and dedication to achieve goals and dreams. It requires the ability to abandon detrimental practices and habits from a lifetime of failures in order to achieve success. The life coach helps the client by remaining focused on the person and providing support. The next step after setting goals either personally or professionally is to build concrete plans and follow them. A life coach’s job at this point is to hold the client accountable through constant monitoring and helping overcome setbacks. Life coaches guide clients to realize their strengths by giving pointers, but never by telling them what...

Read More

Summer Is Coming To An End…

Heating and air conditioning companies are typically busy in the Summer months installing and or repairing air conditioning systems.  To keep your home comfortable in the summer months it is always a good idea to have your air conditioning unit checked and to perform routine maintenance. As Winter sets in its important to have your heating furnace or heat pump check to ensure it is functioning properly as well.  You don’t want to have Winter cold hit you and then realize your furnace isn’t working properly.  A local HVAC contractor can quickly check over your heating system to ensure it is working as it should and perform any furnace repairs that my be needed. Spending a little time and money now could save you some very cold and miserable nights in the dead of Winter! Here are a few things to consider when hiring a local HVAC contractor: Ensure they are properly licensed in your state Ensure they are insured properly according to state requirements Check to see if they have received any complaints at the BBB or State Contractors Board Look for reviews online to see what past clients have to say about them  ...

Read More