Do You Suffer From Sleep Apnea?
Sleep apnea is a disorder that occurs when a person’s breathing is briefly interrupted during sleep. Breathing pauses can last between 10 to 20 seconds and can occur frequently during the night. Chronic sleep deprivation from sleep apnea causes...
Long-Term Care Insurance Update
The Federal Long Term Care Insurance Program (FLTCIP) was created by the Long Term Care Security Act, which was signed into law by President Clinton on Sept. 19, 2000. Fifteen months later, the Office of Personnel Management selected John Hancock...
Financial Aid for Students
As the cost of college continues to escalate, many parents find that they do not have the funds or resources needed to assure that their children can pursue a higher education. They fail to take advantage of the numerous student aid programs...
Ensuring Financial Stability
A sufficient amount of money in savings accounts can protect you from unexpected financial hardships, such as those associated with illness or divorce. Financial advisors recommend that everyone have at least three months’ salary in the bank for...
Expectations Filled With Hope
While we shared memorable moments at events with friends and family in 2008, almost all of us will look back at 2008 as a year when we survived numerous personal challenges — not only those that come with aging, but periods of stress and/or...