hobartfinancial

For Some Retirees, Home is Where the Debt is

Today’s pre-retirees and retirees tend to have far more debt than those in years past. In addition to factors like credit card payments and medical expenses, this generation is seeing the effects of higher home prices and easily obtained low […]

Medicare News

Earlier this year, Congress passed a last-minute budget deal that included provisions affecting Medicare benefits. Specifically, one provision will permit certain therapies to continue beyond the previous caps, subject to conditions. All therapy (physical, speech and occupational) must continue to […]

Consider Having a Backup Plan

When looking ahead in anticipation of Social Security benefits, many people expect to wait until an average age of 66 to make a claim.1   However, Nationwide Retirement Institute’s fifth annual Social Security survey found many retirees start drawing Social […]

Technology Pros and Cons

Not all innovations are initially successful. Think about the driverless car. It sounded like a great idea — helping the disabled and elderly retain some independence — until the first pedestrian fatality involving a driverless car occurred in Arizona this […]

Notes on U.S. Infrastructure

The American Society of Civil Engineers has given the U.S. an overall infrastructure grade of D+. Throughout the next decade, it will take more than $4.5 trillion to fix our aging infrastructure — including upgrades to roads, mass transit, wastewater […]

Music Plays Instrumental Role in Healing Ailments

Hearing a familiar song from a happy period in your life, such as childhood, can instantly make you feel joyful. It’s as if you’re right back there — toe tapping, head bopping and singing along. Just as with our sight, […]

Demographic Differences

Consider these questions for a moment: Have your outlook and attitude toward politics and culture changed over the years? Or are you the same as always? If you were a conservative young adult, do you hold the same beliefs today? […]

End-of-Life Issues

Before today’s modern medicine, people usually died of three things: injury, infections or some type of nutritional deficiency.1 Painkillers may have come in the form of herbal tea or some other applied root, so pain was a fact of life. […]

Ideas for Your Inner Entrepreneur

One of the perks of retirement is having the time to pursue new interests. If you’ve always dreamed of starting your own business, retirement could provide the perfect opportunity. It’s a good idea to get a financial checkup before you […]

A Look at How America Ranks

In his first year in office, President Trump has promoted his “America first” philosophy. This new focus, with its trade protectionism and tough stance on immigration, has somewhat changed the U.S. narrative on a world scale.1 Considering this new emphasis […]