Monday, September 30, 2019
Thursday, September 26, 2019
Your Safe Money Show highlights for September 28th
Here's Your Safe Money Show highlights for Saturday September 28th.
The 2020 Census will be happening in March, and there’ll be changes to go over and why it’s important to participate.
Health Insurance Open Enrollment is coming, and I’ll have how to make the most of it.
And I get this question often, so I thought it was time to go over how to roll over your 401(k) plan to a Roth IRA.
Listen at 7:30 a.m. at 95.5 FM KBEK. They stream live at kbek.com.
Hear recent shows at the podcast page at yoursafemoneyshow.com.
The 2020 Census will be happening in March, and there’ll be changes to go over and why it’s important to participate.
Health Insurance Open Enrollment is coming, and I’ll have how to make the most of it.
And I get this question often, so I thought it was time to go over how to roll over your 401(k) plan to a Roth IRA.
Listen at 7:30 a.m. at 95.5 FM KBEK. They stream live at kbek.com.
Hear recent shows at the podcast page at yoursafemoneyshow.com.
Wednesday, September 25, 2019
Deer crashes and insurance
Car accidents with deer are especially common this time of year. Driving at dawn and dusk are the highest risk times for deer crashes.
Hitting a deer can be costly: According to the Insurance Information Institute, the average cost of deer-crash insurance claims was $4,179 in 2017.
If you have comprehensive coverage on your car insurance policy, hitting a deer is typically a covered loss. Keep in mind that for comprehensive coverage to apply, your vehicle must make physical contact with the deer. In other words, if you swerve to avoid hitting a deer and crash into another object or vehicle, you would need collision coverage to help repair damage to your car.
When you purchase comprehensive or collision coverage, you choose a set deductible. That's the amount you'll pay out of pocket before your insurer reimburses you for a covered claim.
Check with your agent to be sure you have proper coverage.
Call Dennis Norby if you have any questions.
Hitting a deer can be costly: According to the Insurance Information Institute, the average cost of deer-crash insurance claims was $4,179 in 2017.
If you have comprehensive coverage on your car insurance policy, hitting a deer is typically a covered loss. Keep in mind that for comprehensive coverage to apply, your vehicle must make physical contact with the deer. In other words, if you swerve to avoid hitting a deer and crash into another object or vehicle, you would need collision coverage to help repair damage to your car.
When you purchase comprehensive or collision coverage, you choose a set deductible. That's the amount you'll pay out of pocket before your insurer reimburses you for a covered claim.
Check with your agent to be sure you have proper coverage.
Call Dennis Norby if you have any questions.
Monday, September 23, 2019
Thursday, September 19, 2019
Your Safe Money Show topics for Saturday September 21st
Sure hope you can listen to Your Safe Money Show this Saturday (September 21st) at 7:30 a.m. at 95.5 FM KBEK.
I'll be talking about if a fire, flood, or other unforeseen disaster hits, do you know how to file a claim with your insurance company? I’ll have what you need to do to file a claim.
Cell phone plans can be expensive I’ll share ways to reduce your phone bill.
And if you head to warmer climate in the winter, we’ll go over tips for being a snowbird.
KBEK streams live at kbek.com.
Hear recent shows at the podcast page at yoursafemoneyshow.com.
I'll be talking about if a fire, flood, or other unforeseen disaster hits, do you know how to file a claim with your insurance company? I’ll have what you need to do to file a claim.
Cell phone plans can be expensive I’ll share ways to reduce your phone bill.
And if you head to warmer climate in the winter, we’ll go over tips for being a snowbird.
KBEK streams live at kbek.com.
Hear recent shows at the podcast page at yoursafemoneyshow.com.
Wednesday, September 18, 2019
Tuesday, September 17, 2019
Finding your retirement age
Deciding when to retire might be one of the biggest decisions you ever make.
I want to share with you factors to consider whether you are retiring soon or down the road. How much have you saved? Many of us count on Social Security benefits for our retirement income. So, maximizing the benefits you have coming is important.
You also have to look at 401(k) accounts, IRA’s and any other retirement savings you have, and will there be enough to carry you all the way through your retirement. Having an account that offers lifetime income might be a good fit for you.
Next you should consider your health and the cost of health care too. There are benefits to working longer if you can, but as you decide “when” to retire your health is crucial to that decision.
And finally, what are your goals in retirement? Don’t overlook this consideration and just pick a date to retire.
Many people want to travel just keep in mind travel costs money.
Having a plan and finding a way to reach your goals is the difference between a so-so retirement and an awesome one.
Retirement planning is what I do call for a no cost, no obligation appointment at 320-679-5183.
I want to share with you factors to consider whether you are retiring soon or down the road. How much have you saved? Many of us count on Social Security benefits for our retirement income. So, maximizing the benefits you have coming is important.
You also have to look at 401(k) accounts, IRA’s and any other retirement savings you have, and will there be enough to carry you all the way through your retirement. Having an account that offers lifetime income might be a good fit for you.
Next you should consider your health and the cost of health care too. There are benefits to working longer if you can, but as you decide “when” to retire your health is crucial to that decision.
And finally, what are your goals in retirement? Don’t overlook this consideration and just pick a date to retire.
Many people want to travel just keep in mind travel costs money.
Having a plan and finding a way to reach your goals is the difference between a so-so retirement and an awesome one.
Retirement planning is what I do call for a no cost, no obligation appointment at 320-679-5183.
Monday, September 16, 2019
Thursday, September 12, 2019
Your Safe Money Show highlights for September 14
Maybe you’ve heard about “break-even” calculations
when it comes to your Social Security benefits and when you take those benefits. I want to examine this for
you.
And I have
things to know about student health insurance as our college age children are
back at school.
Listen at 7:30 a.m. Saturdays at 95.5 FM KBEK.
They stream live at kbek.com.
Hear recent shows at the podcast page.
Wednesday, September 11, 2019
Monday, September 9, 2019
Friday, September 6, 2019
Special broadcast of Your Safe Money Show from August 31st
Today Friday September 6th at 11 a.m. KBEK 95.5 FM will be replaying our show from Saturday August 31st.
On this show we talked about financial scams that especially pinpoint seniors. Also should you move near your adult child in retirement? And how to avoid the money pits of retirement.
You can hear the show from August 31st and the previous shows in August at your convenience by going to the podcast page at yoursafemoneyshow.com.
Thursday, September 5, 2019
September 7th Your Safe Money Show
September 7th Your Safe Money Show highlights:
As children are back at school, I thought it would be a good time to discuss ways to teach our children and grandchildren about money.
We’ve talked before about unclaimed money; well I’ll have more details on where to find money that might be yours.
And protecting your retirement savings means the difference in a so-so retirement and an awesome one, so I’ll have information on that as well.
Listen at 95.5 FM KBEK at 7:30 Saturday morning. They stream live at kbek.com.
Hear recent shows at the podcast page at yoursafemoneyshow.com.
As children are back at school, I thought it would be a good time to discuss ways to teach our children and grandchildren about money.
We’ve talked before about unclaimed money; well I’ll have more details on where to find money that might be yours.
And protecting your retirement savings means the difference in a so-so retirement and an awesome one, so I’ll have information on that as well.
Listen at 95.5 FM KBEK at 7:30 Saturday morning. They stream live at kbek.com.
Hear recent shows at the podcast page at yoursafemoneyshow.com.
Wednesday, September 4, 2019
Is moving near an adult child in retirement a good idea?
There’s a lot to
consider before you make a big move in retirement to be near your adult child.
Ask these questions first. What role do I want to play in my child’s life?
Discuss this with your son or daughter.
Would I really like to live in the area my child has chosen? Try doing a trial run for a month or so and find out all you can about the area.
How do I want to spend my time? You cannot depend on your adult children for your social life. Look into hobbies, volunteering, travel, and make sure you have a plan.
What if I have a health scare? And what if my child needs to relocate after I’ve moved? You’ll want to see about health coverage and doctors in your child’s area. Will you be able to get to the clinic or hospital, is transportation an issue or not? What will you do if your child moves? Is it a possibility? It’s also important to look into the “financial” impact of a move. Do a cost-of-living comparison. Explore differences in state and local taxes. They might vary widely from what you currently pay.
Find out about local resources for retirees. A good place to start your research is by checking the state’s department of aging site. It will likely have information about regional Area Agencies on Aging as well as local community centers. And talk with your financial person about the feasibility with your finances, if the move will be doable.
Would I really like to live in the area my child has chosen? Try doing a trial run for a month or so and find out all you can about the area.
How do I want to spend my time? You cannot depend on your adult children for your social life. Look into hobbies, volunteering, travel, and make sure you have a plan.
What if I have a health scare? And what if my child needs to relocate after I’ve moved? You’ll want to see about health coverage and doctors in your child’s area. Will you be able to get to the clinic or hospital, is transportation an issue or not? What will you do if your child moves? Is it a possibility? It’s also important to look into the “financial” impact of a move. Do a cost-of-living comparison. Explore differences in state and local taxes. They might vary widely from what you currently pay.
Find out about local resources for retirees. A good place to start your research is by checking the state’s department of aging site. It will likely have information about regional Area Agencies on Aging as well as local community centers. And talk with your financial person about the feasibility with your finances, if the move will be doable.
Tuesday, September 3, 2019
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