Saturn Wealth


Keep Your Life Insurance When You Retire

October 1, 2018

Some good reasons to retain it.   Do you need a life insurance policy in retirement? One school of thought says no. The kids are grown, and the need to financially insulate the household against the loss of a breadwinner has passed.   If you are thinking about dropping your coverage for either or both…

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Little-Known Homeowners Insurance Facts

September 27, 2018

You may be surprised to learn what is and is not covered.    If you have a homeowner’s insurance policy, you should be aware of what the insurance does and does not cover. These policies have their limitations as well as their underrecognized perks.   Some policies insure actual cash value (ACV). ACV factors depreciation…

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New Medicare Cards Are on the Way

September 24, 2018

In the coming months, they will reach retiree mailboxes.   New Medicare cards will be mailed out between now and next April. They have an 11-digit I.D. number instead of your SSN, and they are made of paper rather than plastic. This new 11-digit number is called the Medicare Beneficiary Identifier (MBI). If you have…

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What Determines Car Insurance Rates?

September 20, 2018

Driver history is just one factor; there are many others.   Your auto insurance payment is not just based on your driving history. Assorted variables come into play that have nothing to do with your accident record or your experience behind the wheel.   Where you live counts. If you reside in a congested big-city…

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Financial Elder Abuse: Perception vs. Reality

September 17, 2018

Someday, you or your parents could be at risk. You may know victims of financial elder abuse. According to a new Wells Fargo Elder Needs Survey, almost half of Americans do.1   As you read or hear stories about seniors being financially exploited, you may think: not me, I would never fall prey to that…

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Financial Fraudsters Preying on Boomers & Elders

September 13, 2018

If something sounds too good to be true, it probably is.    If you are in or near retirement, it is a safe bet that you would like more yield from your investments rather than less. That truth sometimes leads liars, scammers, and fraudsters to pitch any number of too-good-to-be-true “investment opportunities” to retirees. Given…

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How Your Credit May Affect Your Life Insurance Premiums

September 10, 2018

You may be surprised to learn about the potential relationship.   Does your credit history partly determine the cost of your life insurance? It may. The potential for such a relationship may surprise you – and the relationship is not without controversy.   Insurers think a good credit history implies several things. It signals a…

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Combining Your Finances When You Marry

September 7, 2018

How separate (or intertwined) should your financial lives be?   Some spouses share everything with each other – including the smallest details of their personal finances. Other spouses decide to keep some individual financial decisions and details to themselves, and their relationships are just fine.   Just as a marriage requires understanding, respect, and compromise,…

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Guarding Against Identity Theft

September 5, 2018

Take steps so criminals won’t take vital information from you.   America is enduring a data breach epidemic. The latest annual study of the problem from Javelin Strategy & Research, a leading financial analytics research firm, says that 16.7 million people across the nation were impacted by I.D. theft in 2017 – an all-time high.1…

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Do You Know Who Your Beneficiaries Are?

September 3, 2018

Why you should periodically review beneficiary designations.   Your beneficiary choices may need to change with the times. When did you open your first IRA? When did you buy your life insurance policy? Are you still living in the same home and working at the same job as you did back then? Have your priorities…

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