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May 2016
Ambord
Dollar Sense

Potpourri: Several Ways Thieves Use Your Phone Against You and What to Do About It

Suppose the call says “press one to prevent future calls” or “text NO to opt out of future text.’” Don’t be fooled. If you follow their directions, you are confirming that your phone number is active and the problem will likely get much worse.

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A thief wants your smartphone like he or she wants your wallet. And depending on what’s in your phone, it may be worth a great deal more, like your bank account and credit card logins. Thieves are hoping you have stored this information in your phone.

David
Legal Ease

What You Say Is What She’ll Get – But Not Necessarily What Either of You Wants

You need to make sure that she is added to the title as a joint tenant with rights of survivorship, and not as a tenant in common. If she is added to the title as a tenant in common, then each of you will be deemed to own an undivided one-half interest in the home, and upon your death your 50% interest would need to be probated prior to it being distributed to your daughter.

April 2016
Ambord
Dollar Sense

Potpourri: Stuff You Need to Know to Protect Yourself and Your Money - Answers to Medicare Questions

After collecting an upfront fee, the asset recovery company files a dispute with the credit card company. They may also file a complaint with an agency such as the CFPB, that processes complaints at no charge. In other words, the asset recovery company charges a small fortune to do what the consumer could’ve done him or herself, for free.

Ambord
Dollar Sense

What Are Your Chances of Needing Long-Term Care? And Then, How Will You Pay For It?

Adults who are 65 years old today have nearly a 70% chance of needed some type of long-term care (LTC) services and support in their remaining years. Men average 2.2 years in long-term care, while women spend an average of 3.7 years there. A full 20% of people who enter LTC will need it for five years or more.

David
Legal Ease

Tracking the Elusive Beneficiary

I don’t have much in the way of assets, but I do want what I have to go to my only child, my daughter, upon my death without going through probate. I know all about trusts and the advantages of setting up a trust, but that is not the direction I want to go in because I don’t think the assets I have justify the cost of setting up a trust.

Telleen-Lawton
Financial Fortitude

Whose Side Is Your Fiduciary Actually On?

This distinction becomes important when an advisor receives a commission for a product that is "suitable," but an alternative product (for which maybe she or he won't receive a commission) would have been a better choice for the client....Conflicted advice costs the public something like $8.5 to $33 billion annually, mostly from higher fees and sub-par returns.

March 2016
Ambord
Dollar Sense

Lump Sum Pension Payouts: A Good Idea for You?

With the goal of making your money last another 20 years, you were getting a monthly pension check of $1,500. Then you took your money out in a lump sum. Still hoping for 20 years of payments, you might only get a monthly check of $1,213. Why?

Ambord
Dollar Sense

What to Do When an Inheritance is Coming Your Way

Suppose you’re within a few years of retirement when Uncle Buck leaves you a large amount of stocks. You’re grateful, but your asset allocation is now skewed. Don’t rush to sell. You’ll need to sit down with your advisers and rebalance your portfolio, being careful not to trigger a tax bill.

David
Legal Ease

Death, Taxes and Gifts in 2016

A person or a married couple can make annual exclusion gifts of $14,000 or $28,000, respectively, to as many people as they want without any gift tax consequences.

Telleen-Lawton
Financial Fortitude

Saying Goodbye to Social Security File and Suspend Provisions

Your wealth manager was correct that strategizing with your Social Security claim has been a financial boon to many retirees, and you are right that some of these strategies (or loopholes, depending on your persuasion) are ending.

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