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March 23, 2019

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Steiner and Granger: What does the Supreme Court Ruling on the Health-Care Reform Law mean for you?

Provided by Steiner & Granger
Insurance and Financial Services
jgranger@sagepointadvisors.com

On June 28, 2012, the U.S. Supreme Court ruled, in a landmark decision, that the Patient Protection and Affordable Care Act (ACA), including the provision that most Americans carry health insurance or pay a penalty, is constitutional.

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Steiner and Granger: Of Taxes Past, Present, and Future

Provided by Steiner & Granger
Insurance and Financial Services
jgranger@sagepointadvisors.com

With the 2011 tax filing season behind us, much attention is being paid to the expiring "Bush tax cuts"-- the reduced federal income tax rates, and benefits, that will expire at the end of 2012 unless additional legislation is passed. In fact, though, several important federal income tax provisions already expired at the end of 2011.

Here's a quick rundown of where things stand today.

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Steiner and Granger: Retirement rules of thumb

Provided by Steiner & Granger
Insurance and Financial Services
jgranger@sagepointadvisors.com

Because retirement rules of thumb are guidelines designed for the average situation, they'll tend to be "wrong" for a particular retiree as often as they're "right."

However, rules of thumb are usually based on a sound financial principle, and can provide a good starting point for assessing your retirement needs. Here are four common retirement rules of thumb.

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Steiner and Granger: Four money mistakes you might be making

Provided by Steiner & Granger
Insurance and Financial Services
For more information: jgranger@sagepointadvisors.com

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Steiner and Granger: With mortgage rates so low, does it make sense to refinance?

Provided by Steiner & Granger
Insurance and Financial Services
For more information: jgranger@sagepointadvisors.com

Historically low mortgage interest rates have prompted many homeowners to think seriously about refinancing, but there's a lot you need to consider before filling out a loan application.

Start by determining why you want to refinance. Is it primarily to reduce your monthly payments?

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Steiner and Granger: Long-term care planning is important for women

Provided by Steiner & Granger
Insurance and Financial Services
For more information: jgranger@sagepointadvisors.com

The prospect of needing long-term care is an important, yet sometimes overlooked, part of financial and retirement planning. Yet it may be especially vital for women to consider as they often face the need for long-term care as both a caregiver and recipient.

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