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  • My work plan allows me to take a loan against my 401k.

    “Is that a good idea?”   Actually, there are some good reasons for not dipping into your 401(k). When you take out a 401(k) loan, you are removing resources intended for your retirement. And even though you’ll repay the loan, you’ll lose the time when your money could have... Read more


    Insurance, Depreciation and Recoverable Depreciation When a person obtains a homeowners’ insurance policy, everything that is covered under the policy gets a value attached to it. Over time, the home itself and the items under the policy may decline in value, due to normal wear and tear usage. The... Read more

  • What is LARC?

    Long acting reversible contraceptives (LARC) include the intrauterine device or IUD and the birth control implant.  LARC are extremely effective with failure rates similar to that of sterilization. The IUD is a T-shaped plastic device which is inserted into the uterus and left in place.  Two types of IUD... Read more


    Diabetes is a disease characterized by elevated blood glucose levels. People with diabetes often develop hypertension, high cholesterol, and other cardiovascular diseases. Diabetes affects about 10% of adults in the United States and about 40% of these cases are undiagnosed. For many years the relationship between diabetes and hearing... Read more


    Even if you take excellent care of your teeth and gums at home, you still need to see a dentist regularly. Your dentist can check for problems that you may not see or feel. Many dental problems don’t become visible or cause pain until they are in more advanced... Read more

  • It Only Takes One Bite

    How do dogs and cats get heartworm disease? There’s only one way – through a mosquito bite. It cannot be spread from one pet to another. If the pet is not on a heartworm preventative all year, the larvae mature and multiply, causing damage to the heart and lungs.... Read more


    Rabies is a deadly disease caused by a virus that attacks the nervous system. The virus is secreted in saliva and is usually transmitted to people and animals by a bite from an infected animal. Although bite wounds are the most common way the virus is transmitted, any contact... Read more


    Your auto policy may include six coverages. Each coverage is priced separately. Bodily Injury Liability This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. Make sure to have enough to protect assets. Medical Payments or Personal Injury Protection (PIP) This coverage pays... Read more


    Eating fish every week during pregnancy helps provide the compound DHA or docosahexaenoic acid. DHA is an omega 3 fatty acid that plays a critical role in fetal brain growth and development. As of January 2017, the US Food and Drug Administration, the EPA, and the American Congress of... Read more


    An important benefit from using properly fitted hearing aids is that understanding takes less work and less energy, meaning you will be less stressed and fatigued at the end of the day. We know that persons with hearing loss no longer have “automatic hearing”, that is to say that... Read more

  • “How do you stay calm in this business?” Wow. That’s a Great question!

    Several others have asked me the same thing. Hey, we all know that no one controls the market, and we’re all trying to win in our portfolios, so why do some people seem a mess about and others seem calm? I’d like to say the answer is easy, but... Read more


    These are painful sores on the linings of the cheeks and lips, tongue, or base of the gums. The cause of canker sores are idiopathic, meaning the cause is unknown. Most theories suggest it may involve a weakened immune system, trauma, allergies, and/or vitamin deficiencies. Treatment focuses on relieving... Read more


    As harmful as periodontal disease can be, men and women should know it can be prevented. Taking good care of your teeth and making those dental appointments, no matter how much you might fear the dentist’s chair, are great ways to prevent periodontal disease. Keeping gums and teeth healthy... Read more


    Many of the same problems that affect people as they age, such as arthritis and diabetes, can also affect your pet. Making a few changes to the way you care for your furry friend will help you ensure that your pet stays healthy and happy as the years go... Read more


    Car insurance is sold through three different means; independent agents, captive agents, and direct through the internet. An independent agent is an agent with options. Independent agents have more to offer than other agents making them a strong competitor in the insurance industry. If you are shopping for insurance,... Read more


    Polycystic Ovarian Syndrome or PCOS may affect about 5 to 10 percent of women. The cause is unknown but it is related to many different factors including insulin resistance, increased hormones called androgens, and irregular or absent mensus. Symptoms include menstrual disorders, infertility, obesity, abnormal or excessive hair growth,... Read more


    An updated clinical practice guideline from the American Academy of Otolaryngology – Head and Neck Surgery Foundation was published because there is an inclination for people to want to clean their ears because they believe earwax is an indication of uncleanliness.  This misinformation leads to unsafe ear health habits.... Read more

  • What’s the priority?”

    “I have kids, so I don’t know how to save for college AND retirement. Great question! First, let’s remove the idea that it’s one or the other. Almost everyone with more than one bank account is working toward multiple goals. You can, too. The solution here is develop a... Read more

  • What does it mean for the Dow to hit 20,000?

    Well, nothing really. It’s just a fun number. The Dow Jones Industrial Average (DJIA or Dow) is price- weighted index that gets its value from 30 stocks of large US companies. It’s sort of like a cross-section, and it’s simply a method of attempting to measure the market’s direction... Read more

  • February Is Children’s Dental Health Month

    To ensure overall oral health, it is imperative for children to have dental check-ups at lease two time per year every 6 months. Developing good oral hygiene habits at a young age will increase the probability of keeping the teeth for a lifetime and help prevent dental caries. Dental... Read more

  • D.A.T.A.M.A.R.S

    The American Humane Association estimates over 10 million dogs and cats are lost or stolen in the U.S. every year, and one in three pets will become lost at some point during their life. Furthermore, only about 22 percent of lost dogs that entered the animal shelters were reunited... Read more

  • Frozen Pipes Can Present An Invisible Threat

    Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature, and better insulated can help protect your pipes from freezing... Read more

  • Preterm Labor

    Preterm labor is defined as regular uterine contractions resulting in change in cervical dilation occurring before 37 weeks. Premature birth is delivery of the baby before 37 weeks of pregnancy. Premature delivery can cause your baby to have problems with breathing, eating, and keeping a normal body temperature. The... Read more

  • Identifying Hearing Loss

    15% of Americans have hearing loss.  The statistics are shocking and even more so knowing that over half of those 37.5 million Americans are under the age of 65. Hearing loss can be caused by exposure to loud noises; ear infections, trauma, or ear disease; illness or certain medications;... Read more

  • What Is Endometriosis?

    Endometriosis is the growth of the endometrium (the lining of the womb) outside the uterus which causes irritation and inflammation in tissues such as the surface of the intestines, bladder, outer covering of the uterus and ovaries. It affects one in ten women often in their 30’s and 40’s.... Read more

  • Is this a good time to invest?

    I’m often asked whether or not this or that time is a good time to invest. For example, with the market being as high as it is now, I have encountered reticence about investing in equities, or even investing at all. In response to this, I rely on the... Read more

  • Why dental hygiene is essential for overall health

    Research indicates that oral health mirrors the condition of the body as a whole. Also, regular dental visits can alert dentists about overall health and pinpoint if a person is at a risk for chronic disease. An oral health check-up also may be the first indication of a potential... Read more

  • Secondhand Smoke Affects Pets Too

    The effects of secondhand smoke on people are well documented. Exposure to tobacco smoke causes a variety of serious health problems. Not surprisingly, secondhand smoke also increases the risk of health problems for your pet. Breathing in tobacco smoke can increase the chance that your pet will develop lung... Read more

  • Actual Cash Value vs. Replacement Cost Coverage in Homeowners Insurance

    Homeowners insurance policies offer actual cash value or replacement cost coverage to replace your damaged, stolen, or destroyed personal property. Replacement cost is what you would pay for the item at today’s cost. Actual cash value is what you would pay for a similar item at today’s cost (replacement... Read more

  • Holiday Foods, Are They Safe for Our Pets?

    We’ve all heard about animals getting sick after eating jerky type treats. According to the FDA, there have been reports of 3,600 dogs and 10 cats that have become sickened after consuming jerky treats since 2007 resulting in the death of 580 of those pets. The majority of those... Read more

  • Is Swelling a Common Problem During Pregnancy?

    Swelling of the legs and feet or pedal edema is a common problem in pregnancy. Usually occurring between 22 to 27 weeks, this swelling may continue throughout the pregnancy and postpartum period. Edema in pregnancy is caused by increased blood flow and compression by the enlarging uterus of the... Read more

  • What’s The Most Common Question About Investing

    The most common thing I hear about investing is “that stuff is too complicated for me.” In fact, it’s so prevalent to hear that phrase nowadays that I’ve actually started running across the misconception that a retirement or investment plan has to be complicated in order to be smart.... Read more

  • Helpful Oral Hygiene Tips During Cancer Treatments

    Helpful Oral Hygiene Tips During Cancer Treatments Avoid mouthwashes containing alcohol Avoid candy, gum and soda unless they are sugar-free Avoid spicy or acidic foods, tobacco products and alcohol Brush teeth, gums and tongue gently (twice a day) with a soft-bristle toothbrush and fluoride toothpaste Exercise the jaw muscles... Read more

  • Can Chemotherapy and Radiation Cause Oral Complications?

    Did you know that chemotherapy and radiation treatment can cause oral complications? These are some of the common complications caused by both chemotherapy and radiation: Infection- viral, bacterial or fungal Oral mucositis (inflammation and ulceration of the mucous membranes) Xerostomia/salivary gland dysfunction – which is the dryness of the... Read more

  • Does Your Pet Have Fleas?

    For every one flea you see, there are at least 10 in your house. Fleas can survive on your pet and inside your house anywhere during the colder months. Even if your pet is clean, it can pick up fleas at any time no matter where you are. Fleas... Read more

  • Should I Get a Mammogram?

    The National Cancer Institute states that one in eight women will develop breast cancer. Breast cancer remains one of the most common cancers of women. Fortunately, breast cancer remains one of the most treatable cancers if caught early enough. Breast cancer occurs most often in older women, usually postmenopausal.... Read more

  • “Should I own this stock?”

    I’m often asked “Should I own this stock?” It’s a valid question, but unfortunately, it’s nearly impossible to answer without a lot more information about the person asking me. Before owning any investment, you and your Financial Advisor should carefully evaluate the assets you already own, your place in... Read more