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November 2017
Dollar Sense

Divorced and Considering Remarriage? Consider Estate Planning Arrangements First

A pre-nup agreement is not a popular topic with many people because it seems to anticipate failure. But instead of looking at it that way, look at is as a sort of insurance policy to make sure your children from your previous marriage will inherit what you want them to inherit.

Dollar Sense

Stuff You Should Know to Protect Your Money and Your Identity from Schemers, Scammers and Other Creeps

Your phone rings, you answer, and the caller says “This is Equifax calling to verify your account information.” The FTC says, STOP! Tell them nothing because they are not from Equifax, they are scammers.

* * * *

The Federal Trade Commission reports that scammers are spreading information about secret accounts, also called “Social Security trust accounts,” which you can use to pay your bills, through the Federal Reserve Bank.

Legal Ease

Why Lack of Proper Planning Can Be Devastating

Why would I need to get the court involved when I have the right to conduct all banking on his behalf under the power of attorney? I assume the bank is wrong, but what can I do, am I at their mercy?

Financial Fortitude

Buckets of Money

The latest figure shows Americans save about 4% of their income on average. At that rate, it could take 25 years to save one year’s worth of income. A one or two-year retirement doesn’t jive well with our longer life spans and expectations of an enjoyable and stress-free retirement.

October 2017
Dollar Sense

Don’t Fall for Disaster-Related Scams

Most of all, trust your instincts. If you have doubts about hiring someone, don’t. There will be another “someone” to help you.

Dollar Sense

Potpourri: Stuff You Should Know to Protect Your Assets, Your Cash and Just Possibly… to Rearrange Your Work Life

Most working at home (as employees, not self-employed persons such as freelancers) are baby boomers, according to the U.S. Census Bureau American Community Survey. The older the worker, the higher the chance he or she will be working from home.

Dollar Sense

Stuff You Should Know about Estate Planning

You may want to set up separate accounts, rather than leaving one IRA to be divided among them. The reason for that is because funds in an inherited IRA are distributed based on the life expectancy of the oldest beneficiary, without regard to the age of the younger beneficiaries.

Legal Ease

The Power – Or Not – Of the Agent for Your Power of Attorney

Limiting the powers that your agent [with a power of attorney] would have in a financial durable power of attorney is not the answer because you want your agent to be able to act on your behalf, whatever that entails, if you cannot act for yourself.

August 2017
Dollar Sense

Consider a Health Savings Account to Boost Your Retirement Savings

You can only contribute to an HSA until you become eligible for Medicare Part A benefits, generally 65 years old. You can still have an account and take distributions from it, but you can no longer contribute to it.

Dollar Sense

Life Insurance Is a Flexible Tool

If giving to your favorite charity or your church is important to you, life insurance adds flexibility in how you do it.... One note of caution: don’t cash in the policy and donate the proceeds, or you could end up owing taxes on the gain. Instead, consider transferring ownership of the policy to the charity of your choice.

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