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. […]
Jack, a widower, passed away last year at the age of 92. He left an estate valued at $400,000. He was a veteran and relied on a Will that was provided to him free of charge by the military. […]
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? […]
Market volatility is an historic inevitability. There have been periods of decline throughout history, triggered by different types of events, many of which came swiftly and without notice. Trying to time the markets with consistent accuracy, determining when investments are at their top or nearing the bottom, is almost impossible, and it carries a number of risks to investors, especially those nearing retirement. […]
There are so many options when it comes to choosing a credit card. You owe it to yourself to find the one that best fits your needs. As we deal with our members, we frequently hear the phrase “I just felt like a number…no personal connection whatsoever.” This often references a myriad of financial issues, but frequently it relates to credit card service. […]
Many Americans don’t expect to ever retire: That’s the headline of a recent USA Today article about the annual Wells Fargo Middle Class Retirement study, which surveyed 1,000 middle-class Americans between the ages of 25 and 75. Journalist Rodney Brooks reported on the study’s findings and interviewed several financial professionals, including yours truly, about those findings. […]
As Baby Boomers get older, many of them are suffering because they weren’t fully prepared for the hardships of aging. These days, getting old seems to be harder than it used to be––families live farther apart and aren’t always able to care for each other the way they did in the past. […]
When faced with the unexpected cost of long-term care for the first time, people are often concerned about their ability to pay for care for themselves or for their parents. Typically, there are three ways one can pay for long- term care: private pay, insurance, or a government option, such as Medicaid. Frequently private pay isn’t an option, or you can see the writing on the wall that the money will not last. […]
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. […]
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