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Ricado Gutierrez

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Parents, Here’s a Commencement Address for You as Your Child Graduates

The graduate in your family is about to begin a new chapter in life. This commencement — both the graduation ceremony and the life change — is at once an exciting and a scary...

Seeing a Medical Specialist: Everything You Need to Know

From developing an allergy to starting a family, at some point nearly everyone will have a reason to be referred to a medical specialist. Whether you’ve been with the same family practitioner for years...

6 Life Milestones That Change Your Tax Situation

When approaching a major life milestone, you’re probably not thinking about tax time. While this is understandable, it’s important to remember that major life events often change how much you owe to the IRS....

Short-Term Disability: Preparing for the Unexpected

Sometimes life throws you a curve ball that there’s no way to be fully prepared to handle. When you’re faced with an injury or a sudden illness, having to take unexpected time off from...

5 Ways Volunteering Enriches Your Life

In our jam-packed lives, it can seem daunting to carve out time for volunteering, but you may have more time than you think. “Any help makes a difference,” as the Salvation Army says. Giving to your...

How to Prioritize Doing What You Love

When your nine-to-five is hectic and you return home to a never-ending list of household chores, errands that need to be run and other obligations, it’s easy to feel as though your time is...

Keep Your New Year’s Resolution With This Foolproof Formula

Want to actually stick to that New Year’s resolution this year? If you’re like many of us, you’re sick and tired of setting goals on January 1 only to forget about them before February....

Giving Back: Making Your Spring Cleaning Meaningful

Spring is here, and it’s time to start cleaning. This year, get motivated by donating to charity as you clean. Making giving back a part of the process can help convince you to part...

Diverse Literature: How to Expand Your Worldview

When you’re picking out a new book to read on vacation, do you usually just grab the latest thriller in a mystery series? If the answer is yes, you might consider giving the detective...

Natural Disaster Help: Using Your Benefits in Times of Need

Natural disasters can happen at any time and any place, and tragedy doesn’t discriminate. No one wants to believe they’ll experience a natural disaster, but hurricanes, tornadoes, earthquakes, fires and floods can happen to virtually...
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