When You Should or Shouldn’t Buy Life Insurance

And, a warning about job scams targeting college students. Created for {EMAIL} | [Web Version]( May 15, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Instagram ]( [Youtube]( [SIGN UP]( ⋅ [WEBSITE]( [] Introduction [] [Stepping Into Scams Aimed at College Students]( Job hunters are a big target for scammers, and I should know. I received a job offer that was too good to be true and urgently required me to accept and send copies of sensitive documents. I didn’t fall for it, but this scam is more targeted. Kiplinger senior digital editor Alexandra Svokos has the [details of an FTC scam warning issued for college students](. Don’t let the college student in your life be taken advantage of and lose their savings. - Donna LeValley, personal finance writer P.S. I welcome your questions and suggestions about this newsletter – you can reach me at d.levalley@futurenet.com [Is your money working hard enough?]( It should be! Learn how Betterment's automated investing and savings technology can make your money hustle, while you don't. [LEARN MORE]( ADVERTISEMENT [] TOP STORY [] [How to Estimate Your Social Security Benefits in 6 Steps]( [How to Estimate Your Social Security Benefits in 6 Steps]( (Getty Images) To plan smart for retirement, estimate your Social Security benefits years before you'll need the money. Although the Social Security Administration will provide estimates, knowing what you can expect from Social Security allows you to adjust other aspects of your financial planning. Here are [six steps you can use to estimate your future Social Security benefits](. [] PLACES TO LIVE [] [Blue Zones: A Blueprint for Adapting Health and Financial Security into Longevity]( [Blue Zones: A Blueprint for Adapting Health and Financial Security into Longevity]( (Getty Images) We all know ways to better our health and increase our longevity, and some communities provide the optimal conditions for improving the length and quality of your life. If you can’t move to a “blue zone” you can implement changes in your life to get the same benefits. Read on to find out [where you can find blue zones worldwide and how to replicate the habits of those communities where you live](. [7 Mistakes People Make When Hiring a Financial Advisor]( Working with a financial advisor can be a crucial part of any healthy retirement plan. But choosing the wrong one could wreak havoc. Avoid these 7 mistakes when hiring an advisor, so you can work to potentially save years of stress. [See the list]( ADVERTISEMENT [] LIFE INSURANCE [] [4 Cases When You Should or Shouldn’t Buy Life Insurance]( [4 Cases When You Should or Shouldn t Buy Life Insurance]( (Getty Images) The decision to buy life insurance, and how much to buy, is dictated by your responsibilities now and in the future. You don’t want to underestimate your obligations or waste money on insurance that isn’t necessary. Use these [f]([our scenarios to evaluate your life insurance needs and to determine if it makes sense to buy any](. [Do You Need a Retirement Spending Plan?]( Spending your hard earned retirement money can be complicated—and it's important to make the right decisions that will help your savings last. Vanguard Personal Advisor is built to provide you an ongoing collaboration with our professional advisors — no matter where you are in your journey. 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