Articles

Getting the Best of Both Worlds with Hybrid Long-Term Care Insurance

Wow, what a set of options: live, die or quit? It may sound extreme, but this handy phrase is actually a useful way to illustrate that no matter what happens, hybrid long-term care insurance has you covered. Those three...

IRMAA: The Medicare Tax | Cardinal Guide

Like any taxes, there are strategies to legally lower these costs or avoid them completely. The first thing to consider is your income immediately prior to retirement and immediately after. IRMAA is calculated from your tax return, but it’s your...

Do You Need a Mulligan on Your Social Security Election?

The most common reason people ask for a Social Security do-over is because they went back to work. Another reason is a change in life circumstances such as divorce, death of a spouse, or possibly a windfall in the...

Why it’s Worth Paying for “Tax-Free”

One common approach is to move tax-deferred money into tax-free (also known as tax-exempt) accounts. As mentioned above, a Traditional IRA is a tax-deferred account, but a Roth IRA is tax-exempt. Taking money out of a tax-deferred account, whether...

Beneficiaries and You: Transferring Money Outside the Will

A beneficiary is simply “a person who receives a benefit.” In this case the benefit is the money you are distributing after you die. While the Will can take care of any assets that don’t have a beneficiary designated,...

Want guaranteed income for life? Consider an Income Rider

Another guaranteed part of this policy is the principle, including the credited interest earned every year. In practice, this means that if both spouses pass away before they have been paid back the $300,000 they put in, plus any interest,...

Tax Free Roth vs. Tax Deferred IRAs

Depending on the type of retirement account that you have, distributions can have huge impacts on your income. If you have a Traditional account, distributions count toward your taxable income. Raising your taxable income in retirement can negatively impact other...

Emotional, physical, and financial consequences of a long term care crisis

When a long term care crisis occurs, and there is no plan in place, there are also physical consequences to your family. As we mentioned above, the stress that comes from making these decisions can be highly detrimental to their...

Medicare Supplement Plan G Explained

When you stay on Original Medicare, instead of going the Medicare Advantage route, you are going to need insurance to supplement your Medicare coverage. If you have Original Medicare with no Supplement, you are left with 20% of all your...

Social Security Benefits When A Spouse (or Ex-Spouse) Dies

If your spouse passes away during working years, you are eligible to receive Social Security benefits on their record starting as early as age 60. Even if your spouse was older and already taking their Social Security benefit, you cannot...

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Hope for Every Marriage (Part 1 of 2)

Jeff and Cheryl Scruggs describe their marriage journey of infidelity, divorce and restoration, and encourage other couples not to...

The Genuine Article (Part 2 of 2)

We know many people, but true friendships endure through good and bad times. Faith can be like that too—shallow and fleeting in some, grounded and unwavering in others. Is your faith genuine? Find out when you listen to Truth For Life with Alistair Begg.

Hidden Treasures of Psalms 119: Verse 31 – Shameless – Vaccination

Robby uses a practical story of his vaccination to illustrate this verse

Hope for Every Marriage (Part 1 of 2)

Jeff and Cheryl Scruggs describe their marriage journey of infidelity, divorce and restoration, and encourage other couples not to give up on redeeming their...

The Genuine Article (Part 2 of 2)

We know many people, but true friendships endure through good and bad times. Faith can be like that too—shallow and fleeting in some, grounded and unwavering in others. Is your faith genuine? Find out when you listen to Truth For Life with Alistair Begg.

Lighting the Future

Sermon Overview Scripture Passage: Proverbs 3:5-6 Man is a clever creature, but he has lost his way in the darkness. We live in a day of...

When All Hell Breaks Loose: The Importance of Studying Prophecy

The Devil certainly has a foothold in our culture today. But that’s nothing like his reign of terror during the Great Tribulation. Now’s the...

Sarah: The Power of Faith, Part 1

To support this ministry financially, visit: https://www.oneplace.com/donate/222/29 For some of us, it takes all the faith we can muster to trust God to do something...