A lackluster jobs report released on Friday led to a major stock market sell-off on Monday.

Americans may have getting their finances in order as one of their resolutions, and financial experts say it’s one they should start working on now.

Beneficiaries are people (or a person) that derive an advantage from something such as a trust, will or life insurance policy should someone die.

But despite worries of a worsening economic climate, there are steps that can be taken to make sure you not only survive financially, but thrive.

There are reasons for people both under 60 and over 60 to still be optimistic about investing.

Florida consumers who are struggling with the high price of everything from gasoline to food should consider a new budget mantra: “Is it a need or a want?”

Have you heard of the concept of a reverse mortgage, but felt leery? Is it just another loan to take out? Why would someone do something like a reverse mortgage?

As you age, there are some considerations you’ll have to start mulling: For example, would you be ready to fund a long-term care situation?

Think about when people could only use cash, and then checks came around. It felt wild, that a piece of paper could be worth money.

The advertiser paid a fee to promote this sponsored article and may have influenced or authored the content. The views expressed in this article are those of the advertiser and do not necessarily reflect those of this site or affiliated companies. We asked Certified Financial Planner Nancy Hecht, of The Hecht Effect, how to use it. Put it toward bills or catch up on the requirements of day-to-day life, save the money to bolster your liquid cash savings or pay down debt: for example, student loan debt or credit card debt. Despite the fact that there’s been some debt forgiveness, you’re still going to have to pay back money, possibly on the back end of a loan.

The advertiser paid a fee to promote this sponsored article and may have influenced or authored the content. The views expressed in this article are those of the advertiser and do not necessarily reflect those of this site or affiliated companies. What should small businesses be thinking about, considering all of the above? Look at your actual physical and financial structure to see what moves youll want to make now. To hear more from Hecht, in a recent episode of The Hecht Effect, watch the video above.

The advertiser paid a fee to promote this sponsored article and may have influenced or authored the content. The views expressed in this article are those of the advertiser and do not necessarily reflect those of this site or affiliated companies. When you reach a certain age, youll be required to comply with Required Minimum Distribution rules that the federal government puts in place, regarding your 401k. Let Nancy Hecht, certified financial planner, of The Hecht Effect, do the explaining in this recent podcast episode. Watch the entire video, above, to hear from Hecht.

Two months after being furloughed from her position with a mobile ultrasound service Meagan Johnson, a veteran medical assistant, said she still has no unemployment benefits from the Florida Department of Economic Opportunity. I have bills, I keep calling trying to get them postponed.”Johnson has worked for Life Line Screening for 7 years. “The day it turned ineligible was the day the rest of my co-workers got paid," she said. "Power ,water, mortgage rent and car payment.”Hecht said this will be a new experience for a workforce that has never experienced unemployment before. If you would like to help Meagan Johnson or you have an unemployment issue to share email News 6 investigator Mike Holfeld mholfeld@wkmg.com.

ORLANDO, Fla. – Certified Financial Planner Professional (CFP, AIF) Nancy Hecht discusses investing on an introductory level. What are the basics of investing and how should you get started? Get the answers by watching the video above.

ORLANDO, Fla. – Certified Financial Planner Professional (CFP, AIF) Nancy Hecht discusses the difference between short term and long term investing. What is right for you? Find out by watching the video above.

ORLANDO, Fla. – Certified Financial Planner Professional (CFP, AIF) Nancy Hecht talks about why it’s important to assign a beneficiary and how often you should review who’s going to get your money. Check out all the details in the video above.