Joe Melchor, Agent with New York Life Insurance Company

Millennials' finances are a mixed bag, with some hit incredibly hard by the 2008-09 Great Recession or COVID-19 pandemic, while many have since earned good jobs, engaged in smart retirement planning and secured what may be the last truly low mortgage interest rates on homes.

I’m a Millennial in Great Financial Shape — 11 Steps I Took To Get Here Millennials' finances are a mixed bag, with some hit incredibly hard as young workers during the Great Recession of 2008-09 and others suffering during the COVID-19 pandemic. Yet many millennials have...

The minimum credit score for a mortgage loan depends on the type of loan you’re applying for. Here’s how they work.

What Credit Score Is Needed to Buy a House? Understanding how lenders use credit scores can give you an edge when you apply for a mortgage loan.

Did you know that over 70% of Americans over the age of 65 will need some form of long-term care in their lives? Planning for retirement means preparing for life's uncertainties. Reach out and let's work together to ensure you're well-prepared for the future.

Long Term Care Insurance Costs by State and Region | New York Life Use New York Life's tool to access long term care insurance cost information by state and region. Learn more about long term care costs and what they include.

Worried about your retirement? You're not alone. Only 33% of retirees feel confident that they have enough money to last through retirement. Let's change that statistic together. Reach out to learn how my tailored retirement strategies can help you feel more secure about your financial future.

A recent study showed that people who own life insurance feel more secure in their financial decisions. Contact me to learn more.

Insurance Policies | New York Life Insurance policies help protect your family now and in the future. Learn how our agents can help you design personalized solutions.

A recent study showed that people who own life insurance feel more confident about retirement. Contact me to learn more.

Insurance Policies | New York Life Insurance policies help protect your family now and in the future. Learn how our agents can help you design personalized solutions.

By incorporating life insurance into your strategy, you can protect your loved ones while still being able to plan for the future.

Playing Offense with Life Insurance | New York Life When dealing with your own financial future, risk has real-world consequences. Learn how life insurance can help defend against financial risks.

Social media can be a great resource for tips and advice. But when it comes to your financial security, it never hurts to follow up with a trusted professional. Whatever your goals for the future may be, I can provide customized guidance to help you in your journey. Reach out, and let's talk.

As a parent, one of the greatest gifts you can give yourself—and your family—is the assurance of a secure retirement. That's why it's important to plan ahead to ensure financial stability during your non-working years. This Parents' Day, give your future self a pat on the back by reaching out and letting me help you build the retirement you deserve.

A recent study showed that people who own life insurance feel more optimistic about their family's financial future. Contact me to learn more.

Insurance Policies | New York Life Insurance policies help protect your family now and in the future. Learn how our agents can help you design personalized solutions.

A recent study showed that people who own life insurance feel better prepared for the future. Contact me to learn more.

Insurance Policies | New York Life Insurance policies help protect your family now and in the future. Learn how our agents can help you design personalized solutions.

As the cost of colleges and universities continue to skyrocket, Gen-Zers are looking to trade schools to kickstart entrepreneurship dreams.

Gen Z Looking to Trade Schools to Kickstart Entrepreneurship

Millions of children are now caregivers at home without any government recognition, pay or support. Nonprofits lend a hand, but the kids need more.

Role reversal: millions of kids care for adults but many are alone. How to find help.

Learn how whole life insurance can help build lifelong security for those you love, while also building cash value that can be passed on, generation after generation. Reach out, and let's start securing your family's financial future today.

What is Whole Life Insurance? | New York Life Wondering what is whole life insurance and why do you need it? New York Life tells you everything you need to know.

At New York Life, we believe inclusion unlocks the power of our diversity. Our teams represent the rich tapestry of the communities we serve. That's why I'm excited to share New York Life's recent DEI report. It's not just a document—it's a testament to our commitment to creating an inclusive environment for everyone.

New York Life's 2023 Diversity, Equity, and Inclusion Report. We can help you create a temporary, long-term, or permanent life insurance solution that meets your needs and your budget

Five economic indicators that show continued underlying strength in the US economy.

5 indicators that show the US economy is still firing on all cylinders despite slowing GDP "The workhorse of the US economy remains the consumer, and there's really not much sign of a slowdown," Carson Group said.

In the midst of the ongoing financial crisis, women are rethinking how they do everything from celebrating friends’ milestones to planning families. Surveys dig into key changes women are making to adjust for the rise in cost of living and the nuanced shifts in behavior.

Gen Z and Millennial Women Are Checking the Price Tag on Major Milestones Credit Karma’s latest consumer surveys reveal the added cost of being single and plans to delay family planning given the current cost of living.

Believing this myth about credit cards could actually harm your credit score in the long run. Here's why people tend to fall for it anyway.

The No. 1 credit card myth that 'just will not seem to die'—why you shouldn’t fall for it

As more than 1,000 providers shut their doors for a Day Without Child Care, we examine a few numbers that reveal why the landscape is in crisis.

The child care system is broken. Here are 5 striking statistics that show why.

When you spend money on a product or service, there’s often the unspoken expectation that you’ll get exactly what you paid for. That relates to both the quantity and quality of a product or service. Sometimes that doesn’t happen, and in those instances, you may be experiencing shrinkflation.

Shrinkflation: What It Is and How to Beat It - NerdWallet Shrinkflation happens when a company reduces the quantity or size of a product but sells it at the same price.

One shopping binge 18 years ago is not likely to have sent you down the path to financial devastation, nor will that horrible auto lease you jumped into before you were financially mature enough to know better. But if those two small mistakes were followed by routine overspending, adding to growing credit card debt, multiple refinances of your home mortgage on top of more car leases, those minor problems grew into major problems.

Finances unraveling? Don't let mistakes set you back. The antidote is to correct the small mistakes as they occur.

Creating a budget is the first step toward financial success. With these five easy steps, you can take control of your personal finances, work to achieve your goals, and gain the confidence to build a better future.
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Running a business is no small feat. At New York Life, we understand the value of having talented employees. Help reward and retain your employees with a custom life insurance plan for your business.

Small Business Insurance | New York Life Learn how small business solutions from New York Life can protect business owners and their employees with a variety of services.

It may feel like the IRS taxes most of your hard-earned money, but some types of income are nontaxable.

Types of Income the IRS Doesn't Tax

🚀 Another amazing day providing valuable options through our worksite program! A huge shoutout to Region 6 for giving me the chance to showcase how New York Life’s guaranteed insurance and exciting offers can benefit your team. The energy and enthusiasm were incredible, and I can't wait for our next event! 🌟

If you're looking to elevate your team's benefits package and provide them with top-notch options, reach out to me. Let's make your workplace even better together! 📞💼

Helping your child go to college is a gift they will use for the rest of their life. Without a strategy, however, student debt can end up hanging around just as long. Between tuition, books, and room and board, here are some strategies you can use to help make paying for college easier.

How to Pay for College | New York Life Trying to figure out how to pay for college? These long- and short-term strategies from New York Life will help you secure funds for a college education.

The sticker price of college tuition only continues to increase.

Soaring Costs: Here’s How Much College Tuition Has Increased in 8 Notable States The sticker price of college tuition only continues to increase. In March 2024, NBC 10 Boston reported that two Massachusetts colleges, Wellesley and Boston University, now have annual student costs...

Here are five simple ways to 'do this, not that' when trying to find out from a nonprofit what kind of impact your donations are having.

How to Assess the Impact of Your Charitable Giving