Dalya Sayed, MBA Financial Representative with NPC

Biggest Money Mistakes New Parents Make thestreet.com

College costs are ever-increasing. With the right planning, you can create a strategy that will work for your family. Read this article to learn more.

It Costs How Much? Saving for Your Child’s Education livingconfidently.com

Insurance Options for Business Succession Planning livingconfidently.com

Fifty-one percent said they became more financially responsible since the beginning of the pandemic, with 26% starting to track their expenses

What Financial Comfort Looks Like After A Pandemic forbes.com

Ways to utilize your policy in different ways, such as continuing to protect your spouse from your untimely death, possibly supplementing your retirement income with the policy cash values,ii, iii or utilizing it for estate planning purposes

3 Important Insurance Considerations for Retirees livingconfidently.com

Council Post: Overcoming Battered Investor Syndrome What many are experiencing now is what I call the Battered Investor Syndrome. That is a situation in which people give the power of their wealth-building and investments to others outside of their control: Wall Street.

Consider how much debt you have, and how much income you have to work with (in addition to the fact that you're likely still building your career)

Why Are You Waiting to Have Kids Until You're Financially Stable? Waiting to have kids until you can afford them? Make sure you understand the entire situation—here are a few pros and cons.

Can assist in putting together a more complex, comprehensive plan if you need one, by defining your goals, making an action plan and follow through, you'll be well on your way to progress.

Council Post: Empower Yourself By Building A Comprehensive Financial Plan A lot of people think, “I’m not wealthy, so I don’t need a financial plan,” but in reality, everyone with financial responsibilities needs a financial plan.

Permanent life insurance policies can serve as tax-advantaged savings vehicles through the accumulation of cash value

Getting Life Insurance in Your 20s Pays Off Find out how Americans in their 20s can benefit from a well-thought-out life insurance policy, especially if they are able to build cash value.

And if you haven't done so in the past few months, now is a good time to reassess your financial plan as a whole contact me to help review what you currently have in place.

The U.S. is officially in a recession. Here's what you should do with your money The U.S. economy officially peaked in February and has since entered a recession, ending the longest expansion on record, the National Bureau of Economic Research declared Monday. Here's what you should do with your money in response to the economic downturn.

Of those benefits, the most helpful may be student loan forbearance

What the CARES Act means for your student loans — everything you need to know The CARES Act can make managing student loan debt easier in the short-term.

You may not have the luxury of opening your own 401(k) as a stay-at-home mom, but you can still fund a spousal individual retirement account

I’m a 32-year-old stay-at-home mom, and my husband earns $150,000 a year. Will I ever be able to enjoy a retirement? Have a question about retirement, including where to retire? Email [email protected]

Biden also joins a growing chorus of Republican and Democratic policy makers who want to allow student loan borrowers to discharge their in bankruptcy. Borrowers now have to exhibit a " certainty of hopelessness " to walk away from their student in court

Big changes could be coming for student loan borrowers More relief could be on its way to those struggling with student loan debt. Here are the proposals on the table.

Regret purchases tend to come in three types: things you never used; habitual things, like restaurant meals or drinks you no longer get any value from; or expensive things that kept you paying for a long time

Here are the top 5 things people wish they hadn't spent their hard-earned money on Why did I buy that fill-in-the-blank? From RVs to timeshares, here's what people most regret spending money on.

This ratio means that you should spend no more than 25% to 33% of your in paying off your debt

Should I Pay off Debt or Invest Extra Cash? Deciding whether it is better to use excess cash to pay down debt or to invest depends on your investment options, risk tolerance, and cash flow situation.

How to protect your retirement funds and recover financially from the coronavirus pandemic Here are four ways to protect your retirement funds and put yourself in the best position to recover financially after the coronavirus pandemic.

When deciding whether to increase what you save in your retirement accounts, first consider the following questions:

Retirement Savings Tips for 35-to-44-Year-Olds If you are 35 to 44 or older, consider these tips to manage caring for children and aging parents while still saving enough for retirement.

How much can you save by refinancing your student loans

How to choose the best student loan refinancing offer Refinancing your student debt could save you cash. Here’s how to go about it right.

Your level of success will rarely exceed your level of personal development, because success is something you attract by the person you become

If you do these 5 things, you'll probably end up rich Following these fundamentals won’t guarantee wealth. But these are the same principles preached in nearly every important finance book.

Across all life insurance policies — including more expensive and guaranteed-to-pay-out whole life policies, in addition to cheaper, temporary term life policies — that breaks down to $538 in premiums per year, or about $44 per month

The average life insurance rate by age, s*x, and coverage type The average life insurance rate is $44 per month. But, every rate is different, and it can vary based on your age, s*x, health, and lifestyle.

The report analyzes the pandemic's impact on agriculture, construction, higher education, health care, hospitality and gaming, manufacturing, nonprofit organizations, the public sector, restaurants, and small businesses

10 Industries Hit Hardest by COVID-19 | ThinkAdvisor Each of these industries is grappling with a specific set of struggles, though many of their challenges are common.

The economy is forcing us to spend in different ways, so it depends on your personal situation. As in any kind of crisis, you want to look at your cash flow and ask yourself; How secure is my income

Making Smart Financial Decisions During a Crisis | Jess Ann Kirby It’s a scary time right now for all of us—especially financially. Faced with job uncertainty, we’ve all got questions about what we should or shouldn’t be doing with our money. We spoke to Jess’s financial advisor, Kevin R. Worthley, CFP®…

Join us on Wednesday, June 3 at 4:00 PM ET for a complimentary webinar. As states begin to reopen and employees slowly return to the workplace, employers are tasked with protecting the safety of their staff, customers and vendors. Small business owners must also manage employees' requests to extend leave to care for children and other loved ones.

Balancing safety and recovery: Returning to the workplace while managing employee leave Wednesday, June 03, 2020 at 04:00 PM Eastern Daylight Time.

The saying "save for a rainy day" usually implies saving for a vacation, a home, or a wedding. Those are the events we look forward to in life, but it's also important to save for the moments we don't always plan for, like a disability.

Bank on Your Good Health | Living Confidently Chronic illness could interrupt your ability to earn a living. Tips on how to lower your risk and protect your lifestyle.

Life can present a lot of uncertainty and "what-if?" moments. Keep yourself and loved ones financially protected by taking the steps to minimize those "what-if?" scenarios.

Video: Moving in the Right Direction | Living Confidently Every day, people are required to face the unexpected. Disability income insurance can prepare you for life’s twists and turns.

PAS is a wholly owned subsidiary of Guardian and a member FINRA , SIPC

Video: Disability Insurance: What Are My Options? | Living Confidently Knowledge is power when it comes to understanding how much income protection you may need in the event of a work-stopping illness or injury.

Keeping your business strong requires a lot of hard work. If you're a business owner, you've invested a lot of time and effort to build your business. What if a disability were to prevent you from working and running your business?

Infographic: Keeping Your Business Strong - livingconfidently.com livingconfidently.com

The younger you are, the more invincible you may feel. It's still important to consider the risks, however. Protecting your income at a younger age will keep you prepared.

Infographic: Disability Insurance. Why Now? | Living Confidently © 2020 The Guardian Life Insurance Company of America Securities products and advisory services offered through Park Avenue Securities LLC (PAS), a registered broker-dealer and investment adviser. PAS is a wholly owned subsidiary of Guardian and a member FINRA, SIPC.

Repaying student loans can cause a lot of stress for many. Imagine having to worry about your loans without an income due to a disability. Watch this video to help ease your mind on how to prepare for the unexpected.

Video: Student Loan Protection | Living Confidently Learn why protecting your student loan payments is an important aspect of your income protection strategy.

As a young professional you're making your way up in your career. Suddenly, you find yourself unable to work due to a disability. This break in your earning power can have a long-term effect on your financial well-being. It's easy to think: That won't happen to me. Well, it's better to prepare.

Financial Hacks for Millennials: Income Protection | Living Confidently One in four young workers today is anticipated to have an interruption in their career due to illness or injury. Income protection insurance can replace earnings during a disability and recovery.