Protect Yourself… You Could Be a Target Courtesy DATU Credit Union, Denton County LIVING WELL Magazine Most Americans are caring, compassionate, and trusting. That, coupled with major changes in technology, a sluggish economy, and an aging […]
While the planning process should be strategic enough to take into account your assets, your age, and your life circumstances, it should also include the things that touch your heart––your family’s needs, your hopes for the future, your concerns related to risk, your ability to withstand market volatility for potential long-term gains. […]
In the last few weeks, major headlines have focused on the debit and credit card breach at Target––the nation’s second largest discount retailer. The debit or credit cards of more than 70 million Americans were compromised. In subsequent weeks, Neiman Marcus revealed a security breach that affected over a million customers and Michael’s craft stores is now investigating a potential customer data breach. […]
In today’s fast-paced world, computers and mobile devices are not only must-have gadgets, they’re essential to daily life. From social networking and e-mailing to research, online shopping and more, people are connected more than ever before. And since the Internet is the new medium for interaction, business and communication, it’s more important than ever to be safe and secure when using it. […]
If you are the parent or grandparent of a disabled child or young adult, you have several special estate planning challenges. If the disabled child or disabled adult is receiving support from the state or federal government, they usually cannot have more than a small amount of assets held in their name. For example, if they have more than $2,000 in a checking or savings account in their name, this could threaten their government benefits. So how do you leave a gift or inheritance to that disabled heir without losing their government benefits? […]
There are a lot of people out there, many with a fist-full of credentials, who are intimating that the glory days of the United States are over. Some liken us to the Roman Empire—and you know what happened to them. […]
Whether you plan to use a trust or a will as the center stone of your estate plan, the following list may help you avoid some common estate planning mistakes: […]
In a time where the median household income is shrinking in nearly every major city, prices of goods and services are on the rise and credit card debt is just beginning to decline from an all time high, it is easy to find yourself falling behind on monthly expenses. If this is the case, then it may be time to start learning the basics of household budgeting. […]
Most people, as they grow into adulthood and enter the “real” world, dream of ownership. The possibility that a home, a business, or some other physical article might someday become theirs is looked upon as a wish come true. […]
If you are the designated person given the responsibility to close a relative’s home, this article will give you insight as to the pitfalls and problems. You may be the executor of your mother’s estate or the trustee of her trust that owns the home. At her death or disability requiring she move, you may have to handle the following: […]
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