To protect your savings if you suffer an illness or injury that leaves you unable to work, make sure you have disability insurance. A recent survey by BenefitsPro.com found that only one-third of Americans currently have a disability policy. Most disability policies that you get through your employer usually cover 40 percent to 60 percent of your salary. This kind of insurance provides steady payments if you become unable to work and keeps you from tapping your retirement savings.
It's a fact few of us like to think about, but death is a part of life. Failing to prepare for this could leave loved ones struggling to deal with their loss as well as how to pay for it. Which is where life insurance comes in. These policies come in many forms and typically provide a lump-sum payment upon your death to beneficiaries whom you've designated. It's an important financial tool many are choosing to go without.
If you're about to retire, the last thing you need is a lot of bills. Over the past 30 years, American families have taken on increasing amounts of debt, even as incomes failed to keep pace. About 80 percent of American households now have some form of debt, according to the Pew Charitable Trusts' survey of American family finances. Older Americans owe more than ever before, with the amount of debt held by people over age 60 hitting $3 trillion, according to the Federal Reserve Bank of New York.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Musk AND Zuckerberg or Musk + Zuckerberg.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used). For example, results will contain either cake or cookie by searching cake OR cookie or cake,cookie
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".