For many of us it can be a challenge to find just the right holiday gift for a younger person. What's in? What's out? It can be hard to keep up.
One type of gift is almost always well received ... a financial gift.
Gifts that might have appeal can include "529" education fund contributions, Roth IRAs, fractional stock shares (less cost than full shares), and savings bonds.
Cash may not be extremely personal, but it's likely to be a welcome choice for the younger folks, as it would help with paying down bills.
You should always turn off the heater when leaving a room or sleeping!
When the winter winds blow, home heating bills can skyrocket.
That's when many people, including seniors, turn to portable space heaters to augment their heating.
While this can work well most of the time, there are risks to be aware of ...
When you make a premium payment, a portion goes toward the cost of insurance, such as administrative fees and the death benefit. The rest becomes part of the cash value.
Do your best to stay physically active during the Holidays!
When a dark, gloomy winter settles in, do you feel especially sad and depressed - even as holiday festivities go on all around?
It could be Seasonal Affective Disorder (SAD), a condition related to the change of season. Millions of people experience SAD (American Psychiatric Association).
December is Seasonal Affective Disorder Awareness Month, a time to get the word out on how SAD affects so many of us.
Tips for dealing with SAD include (Erika's Lighthouse):
One aspect of your life that may suffer during the holidays is your fitness.
During a hectic season, who has time for the gym?
But here are ways to continue your fitness and good health during the holidays. You can make an exercise schedule and keep to it. Plan rest time. Eat rich food only in moderation. And stay hydrated.
Valuable Papers Insurance. This is a special type of property-casualty insurance. Valuable papers insurance reimburses the policyholder for the monetary value of any valuable papers (wills, for instance).
What Is a Validation Code? A Validation Code is a series of three or four numbers located on the front or back of a credit card. It’s used for security purposes.
VA Loans. Acquired through the Department of Veterans Affairs, members, and their surviving spouses can purchase homes with little or no down payment.
A Variable Annuity is an annuity that varies based on the performance of an underlying portfolio of “sub accounts.”
This eye-pleasing and elegant dessert will impress all of your holiday guests. Serve small slices - the pie is deliciously rich!
For the crust: Preheat oven to 350°. Crush cookies into fine crumbs. Combine with melted butter. Press into a pie pan. Bake 5-7 min until set. Remove from oven and cool completely.
For filling: Beat peanut butter with cream cheese until smooth. Add powdered sugar and beat until smooth. Add thawed, whipped topping and beat until smooth. Pour the filling into cooled pie crust. Spread to even out. Refrigerate for at least one hour.
On December 1, 1990, England was connected to mainland Europe for the first time since the Ice Age as engineers digging a railway tunnel under the English Channel broke through the last rock layer.
The AFL-CIO was founded on December 5, 1955, after two separate labor organizations joined together.
On December 10, 1898, the Treaty of Paris was signed between American and Spanish representatives following Spain's defeat in the Spanish-American War.
European Union leaders announced on December 15, 1995, that their new currency would be the Euro.
CELEBRITY BIRTHDAYS: Jay-Z (December 4), Rita Moreno (11), Brad Pitt (18), Ray Romano (21)
Quote of the Month
“I've got to admit it's getting better. It's a little better all the time.”
- Paul McCartney