Living Well


3 Reasons to Visit the Inn at Morro Bay

3 Reasons to Visit the Inn at Morro Bay Vacation Spot VERGE Magazine

How this Maritime Village celebrates the holiday season
by VERGE Staff | Vacation Spot | Friday, December 21, 2018

There's always a lot going on in and around the active seaside town of Morro Bay. Visually recognized from the north, south, east and west for miles by the colossal rock, aka Morro Rock, Morro Bay is centrally located between Los Angeles and San Francisco on scenic Highway 1 in San Luis Obispo County, surrounded by miles and miles of beautiful hiking trails with breathtaking views of the sparkling Pacific Ocean. 

Where to Stay in New York City this Fall

luxury vacation hotels in New York City Fall Vacation Living Well VERGE Magazine

Luxury travel advisors share the hottest hotels to stay at in NYC 
by VERGE Staff | Vacation Spot | Saturday, November 3, 2018 

If you enjoy vacationing during the off-season, then a trip to “The Big Apple” may be the perfect destination. Lavish vacations are not limited to the Caribbean. …

What The Cayman Islands Offer Travelers

Cayman Islands Vacation Spot Living Well VERGE Magazine

The Cayman Islands Promises "Worry Free Hurricane Guarantee" 
by VERGE Staff | Vacation Spot | Tuesday, June 5, 2018

The Cayman Islands prides itself in providing travelers with unrivaled vacation experiences and allowing guests to be unburdened by the stresses of everyday life. With an unpredictable hurricane season around the corner, the Cayman Islands Department of Tourism continues to give its visitors peace of mind with the destination's "

Marriott Vacation Club Opens Resort on the Island of Bali

Marriott Bali Nusa Dua Gardens Vacation  Living Well VERGE Lifestyle Magazine

Marriott Vacation Club continues to add exciting new vacation destinations in Asia and the Pacific
by VERGE Staff | Vacation Spot | Thursday, February 8, 2018 

Marriott's Bali Nusa Dua Gardens—Marriott Vacation Club's all-new vacation ownership escape—is now open on the island of Bali.  …

Secure Your Child's Future

Selfless Journey of Motherhood

The Selfless Job of Motherhood: 
Supporting Your Child's Financial Future at Every Age
by VERGE Staff | Your Money | Thursday, May 8, 2014

Mothers make all kinds of sacrifices for their families, including financial sacrifices in order to help and protect their children, from covering countless childhood expenses to helping an older child during his or her own financial challenges. …

Money Management Tips for Millennials

2014 Financial Advice

New Year's Resolution Tips for Managing Your Money
by VERGE Staff | Your Money | Monday, December 16, 2013

Each year, more than 40 percent of Americans, across all generations, make New Year's Resolutions. Many want to improve their health or travel more in the new year. Others seek to fix their finances. …

Shopping on Black Friday

Shopping Online

Shopping Online or in Traditional Stores: Which is the Better Sell? 
by VERGE Staff | Your Money | Friday, November 29, 2013 

Black Friday is known as the busiest shopping day of the year in America due to the big deals retailers claim to offer on their products. But of course, there are pros and cons to shopping on Black Friday, regardless of whether you choose to shop online or in traditional brick and mortar stores. 

College 529 Plans

529 Plan Save for College

7 Reasons Why Having a 529 Plan is a Great Way to Save for College
by Minya K. Irby | Living Well | Thursday, November 14, 2013 

The most effective way to save for a college education for yourself or a loved one is with the use of a 529 plan. A 529 plan is a qualified tuition program designed to assist an individual in achieving higher education through the prepayment of tuition or by allowing an individual to make cash contributions to an account on behalf of a beneficiary for qualified higher education expenses. …

Government Crisis and Your Money

Government shut down in America

How the U.S. Government Shut Down Impacts Your 401(k) 
by Minya K. Irby | Living Well | Wednesday, October 16, 2013 

Your 401(k) represents your long-term investment in the stock market, so the government shutdown in the U.S. has a trickle-down effect, right down to your 401(k). In reference to the last government shutdown in the nineties- historically- after a government shutdown, the following 12 months has presented a double-digit market gain. …

Understanding Obamacare

understanding obamacare

What the New Healthcare Marketplace Means For Americans
by Minya K. Irby | Living Well | Wednesday, October 2, 2013 

For many Americans, October 1, 2013 initiated a new direction in healthcare. For the first time in American history, you’ll have the option to purchase healthcare in an open market system called the “Healthcare Marketplace.” …

Four Kinds of Money- Part 1

Four Kinds of Money

What Kind of Money are You Using in Your Savings Plan?
by Minya K. Irby | Living Well | Wednesday, August 14, 2013 

When planning for your savings or retirement, you should know what kind of money you’re working with. Believe it or, not all money is the same. No, not all money will produce the same results. …

Four Kinds of Money- Part 2

Four kinds of money part 2

What Kind of Money are You Using in Your Savings Plan?
by Minya K. Irby | Living Well | Wednesday, September 18, 2013 

In the previous article, I explained the differences and benefits of having the first two kinds of money in your savings plan, which is “free money” and “tax-deferred money.” …

Face Your Money Challenges

the interest pay and the interest you earn money

The Interest You Pay and the Interest You Earn 
by Minya K. Irby | Living Well | Wednesday, July 31, 2013

There is a challenge that many of us face when it comes to understanding our money. This challenge could be the reason that most of us have more days in a month remaining than we have money at the end of a pay period. …

Your Time and Money

your time and money

Orphan 401(k) Plans 
by Minya K. Irby | Living Well | Wednesday, July 17, 2013 

Times are rapidly changing, the days of working “30 and out” or even “25 and out” with one employer is long gone. Remaining with the same employer for longer than 10 years is almost unheard of. The U.S. Bureau of Labor and Statistics reported the median number of years that wage and salary workers remained with a current employer was 4.6. …

Prioritize Your Insurance Coverage

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You Can't Afford to Be Unprotected
by Minya K. Irby | Living Well | Wednesday, July 3, 2013 

The expression “insurance poor” is a popular phrase. It means that you are paying more in insurance premiums than you can afford to pay. Your insurance premiums should fit comfortably within your budget. …

Are You Secure with Social Security?

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It's Never too Early to Start Planning for a Comfortable Retirement
by Minya K. Irby | Living Well | Wednesday, June 19, 2013

"The question isn't at what age I want to retire, it's at what income.”  
~George Foreman

The bottom line is whether you are age 25 or older- the time to start planning for your retirement is now. Think about it…It may seem like you were just graduating from high school or college just a short while ago— but if you think again, you’ll realize that time really does fly, as those days are long gone.