HUGO A RUIZ, Agent with New York Life

11/29/2024

The Fed's rate cut will provide relief for some borrowers, but savers will have to work harder to get decent returns.

The Fed's rate cuts will provide relief for some borrowers, but savers will have to work harder to get decent returns.

11/28/2024

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

11/25/2024

The IRS recently unveiled the new income tax thresholds for capital gains in 2025, reflecting adjustments for inflation.

For the 2025 tax year, the IRS has increased the capital gains tax income thresholds. Here's what you need to know.

11/24/2024

The end of the year can serve as a motivator for getting your finances in order. What moves should you be making?

From applying for Social Security and donating to charity to maximizing your savings accounts, here are seven retirement moves to make before 2025.

11/23/2024

What you should know about AI integration strategies and how to address the challenges and opportunities.

This article offers insights into how leaders can integrate AI into their organizational strategy while also addressing the challenges and opportunities it presents.

11/21/2024

Borrowers can once again apply for the new Saving on a Valuable Education plan, but it's unclear if and when the benefits will go into effect. Learn more.

Borrowers can once again apply for the new Saving on a Valuable Education plan, but it's unclear if and when the benefits will go into effect.

11/17/2024

Looking for life insurance that's versatile and flexes as your needs change? See how the customizable options in our term life insurance can help you meet both short- and long-term goals. https://nyl.co/48QnHmB

11/14/2024

Let's celebrate and support the small businesses that make our community special. Shop local

11/14/2024

All three major indexes moved higher in late trading following Powell's comments about the strength of the US economy.

"Overall, the economy is in solid shape," Powell said in his prepared remarks on Monday. "We intend to use our tools to keep it there."

11/14/2024

Perhaps no one knows more about the importance of protecting the future than military families. I'm honored to be able to work with many of these homefront heroes on a daily basis. From providing financial protection to helping you save for retirement, learn about the different insurance options available and reach out. I have your back every step of the way.

11/14/2024

Nobody knows what the future may bring. That's why it's important to prepare early—when rates are typically at their lowest. Whether you’re looking to remain at home rather than a nursing facility, avoid being a burden to your loved ones, or protect your assets for your family—we have ways to help. Reach out, and together we'll come up with a strategy that gives you more financial flexibility when you need it most.

11/14/2024

The cost of a nursing home or an at-home health aide can vary greatly depending on where you live and the services you need, but there's one thing they all have in common—they aren't cheap. Don't wait until an emergency puts you and your loved ones in a difficult situation. Learn how long-term care insurance can provide you with the financial coverage to choose the type of care you want.

11/10/2024

Wanna start the day off right? Give me a call and let me show you how you can get $ 1 million of dependable term life insurance for less than your daily cup of coffee.

Discover how term life insurance from New York Life can protect you, and learn about converting to permanent coverage such as whole life insurance.

11/05/2024

New York Life's term life insurance offers flexible options for whatever your needs may be. https://bit.ly/4fzLcCk

11/04/2024

Guide to understanding home equity.

Equity is the portion of the home that you own. Knowing how to calculate home equity can help you decide how and when to access it.

11/04/2024

Lower mortgage rates will breathe some life into the market but stretched affordability and low inventories will continue to hold back activity.

11/04/2024

What do Americans with household incomes of $100,000 or more mean when they say they live paycheck to paycheck?

More than four in 10 (42%) Americans with household incomes of $100,000 or more say they live paycheck to paycheck. Here's what they mean.