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With lifespans longer and families more spread out, it's essential that I think about long-term care. Long-term care insurance comes in many forms at many costs. The days of an unmarried woman taking care of elderly relatives are a thing of the past, which is why long-term care insurance products are more popular. Long-term care insurance goes beyond the standard health care insurance policy. A long-term care insurance policy protects against the risk of having to pay out of pocket for in-home and/or out-of-home care services.

Persons: —, Robert Kircher, what's, What's Organizations: Service, Northwestern Mutual Insurance, Life Locations: United States, Massachusetts, Policygenius

Juneteenth became an official federal holiday two years ago, but it was an unofficial holiday for many Black people before then. We should say, "We are a nation of Indigenous peoples, enslaved peoples, and immigrants." Since President Biden signed the Juneteenth National Independence Day Act into law two years ago, Juneteenth is now a federally recognized holiday. Some schools, such as Georgetown, have gone further than acknowledgement by renaming buildings that glorify slave owners and offering full scholarships to descendants of enslaved peoples. The Juneteenth National Independence Day Act is but another step towards inclusion of all peoples who made America: "We are a nation of Native peoples, enslaved peoples, and immigrants."

Persons: Juneteenth, —, Lincoln, Biden, Charles, Willa Bruce, Klansmen, Gavin Newsom, Bruce Organizations: Service, Union, Texans, Plymouth Rock, Civil, Evanston, Colleges, Ivy League, Brown, Princeton, Harvard Locations: United States, Indigenous, Texas, Plymouth, America, Manhattan, California, Evanston In Evanston , Illinois, Christian, Evanston, Amherst , Massachusetts, Amherst, Columbia, Georgetown

Since then, the ways we work have shifted dramatically, and it's time for retirement to catch up. Small businesses are less inclined to provide retirement plans. There are seasonal workers, gig workers, freelance workers, independent contractors, and recognition of the work of caregivers. The pension system and other retirement plans need to address the inherent inequities of previous centuries. Most large corporations still offer sponsor retirement plans, but many employees aren't eligible because of years of service and vesting requirements.

When the enslaved population was first freed, the Freedman's Bank was established to provide a savings and wealth-building tool. Black bank customers lost millions in deposits. When Freedman's Bank closedA short nine years after opening, the Freedman's Bank closed in 1874. The Freedman's Bank collapse destroyed Black people's trust in financial systemsMy grandmother had a bank account. In short, in the African American community, the Freedman's Bank collapse is to finance what the Tuskegee experiments are to healthcare.

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