Debbie McKiver, LLC

03/25/2022

When you are planning for a retirement income you can't outlive, you must not forget about taxes.

When you are planning for a retirement income you can't outlive, you must not forget about taxes. How much you will owe in taxes during your retirement years will depend on a combination of how your retirement income is generated and the dollar amount of your retirement income stream. Sadly, man...

02/27/2022

What happens to your credit score when you apply for Life Insurance?

Key points Buying life insurance is a great way to protect the people you love. Though some life insurance companies check applicants' credit records, that shouldn't impact your actual credit score. Purchasing life insurance is important if you have people in your life who depend o...

01/30/2022

How much is Private Mortgage Insurance (PMI)?

If you are looking to buy a home but are putting in less than a 20% down payment, you'll likely be paying PMI or Private Mortgage Insurance. PMI is an insurance policy for the lender in case you stop making your monthly payments. Depending on your LTV (loan to value) ratio and other factors, you...

01/29/2022

Medicare Advantage plans are privately offered alternatives to traditional Medicare and supplemental government-provided plans.

Still-growing demand among seniors for Medicare Advantage plans has spurred a slew of new health coverage options featuring lower costs and better perks as insurers compete to grow their market shares. “This is a ripe market, and we’re able to take those dollars and invest them in some r...

01/26/2022

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐌𝐞𝐝𝐢𝐜𝐚𝐫𝐞 𝐏𝐥𝐚𝐧 𝐅?

Medicare can be a complicated subject—especially when you dive into all its variations. “A lot of people hear ‘Part A,’ ‘Part B,’ ‘Plan F’ and all these different letters flying around, and they definitely get a little confused,” says Sterling Pr...

01/22/2022

Renovate or relocate - that is the question. If your current home is missing something you no longer want to live without, you probably want to weigh your options.

Renovating a house does not always mean your home insurance costs will increase, although it might.

Renovate or relocate — that is the question. If your current home is missing something you no longer want to live without, you probably want to weigh your options. Renovating a house gives you the flexibility to get the exact features you want, but it can come with unexpected challenges (like....

01/19/2022

Stats say almost half of us have put off getting life insurance coverage that we know we need! If you live in GA, SC, or NC, I can help.

Did you know women are far less likely to have life Insurance coverage than men?

Just when we would like to be carefree again, the pandemic is weighing on our thoughts. Recently, 15% of people surveyed said they’re likely to purchase life insurance due to the impact of COVID-19. Maybe this will be the reminder many people need. Stats say almost half of us have pu...

01/19/2022

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01/18/2022

The Martin Luther King, Jr. Holiday celebrates the life and legacy of a man who brought hope and healing to America.

We commemorate as well the timeless values he taught us through his example — the values of courage, truth, justice, compassion, dignity, humility and service that so radiantly defined Dr. King’s character and empowered his leadership.

On this holiday, we commemorate the universal, unconditional love, forgiveness and nonviolence that empowered his revolutionary spirit.

01/13/2022

Many homeowners in climate-ravaged areas are starting to have to deal with the availability and affordability of insurance.

Extreme Weather will have home insurance costing more.

Wildfires in California and Oregon. Hurricanes that wreak havoc from the Gulf Coast up to the Northeast. Hail in the Midwest that is so big and falls with such intensity that it punctures roofs. Extreme weather is causing billions of dollars in property damage with a greater frequency than even a fe...

01/10/2022

Many People Fear Running Out Of Money In Retirement.

You Can Make It A Goal To Build A More Robust Income Plan, One That Increases Your Paycheck Over Time Without Putting Your Retirement At Risk.

Any Shortfall Could Affect The Retirement Lifestyle You Have Planned, Or The Legacy You Hoped To Leave Behind.

01/06/2022

Let's talk life insurance. Who needs it? When do you need it? How much should you get? What will it cost? And where should you get it?

Why life insurance is a vital purchase for most people.

The pandemic has made it very clear to everyone that life doesn't go as planned. It's also been a bracing reminder that we could die way sooner than expected. And that means you could inadvertently leave people you love in the lurch. Which brings us to one of the lea...