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Money

May 2012
Ambord
Dollar Sense

Work-at-Home Job Offers? How to Identify the Scams

If you know what to look for, the scams are not hard to recognize. They have many aspects in common, like the promise of high pay for few hours of work and no skills or experience required. In reality, few if any businesses post notices recruiting people to fill jobs like that.

Ambord
Dollar Sense

Do You Bank Online? Are You Sure It Is Safe?

Consumers love apps, widgets, and any faster, newer, cooler technology-related gadget. So do thieves. In fact, increased use of online banking is like waving a red flag that motivates thieves to find even more ways into your computer.

Ambord
Dollar Sense

The Plans No One Ever Wants to Make: Funeral Arrangements

Trustworthy funeral homes will have no problem complying with these rules. On the other hand, the less trustworthy funeral homes may try to manipulate you to believe that cost should not matter at a time like this. Of course it matters!

April 2012
Kennedy
Inside Out and Round About

Deeper in Debt: A New Year, New Goals

If you could do it then, you can do it now -- only a little differently because you can’t get a penny for bottles anymore because they are all disposable, and the energy might not be there to deliver papers.

David
Legal Ease

The Important Topics to Discuss with Your Estate Planner

For instance, if the bulk of your $5,000,000 estate is tied up in retirement type investments, i.e., IRA's, 401k's, tax-deferred annuities, etc., those types of assets typically would not end up in trust; instead, you would name your children as the beneficiaries of those proceeds at your death.

David
Legal Ease

How to Protect Your Power of Attorney from Abuse

Another step you can take as a protective device and one I always recommend to my clients, is that you make sure that whoever you have named as your agent does not have access to a copy of the power of attorney until it needs to be used.

David
Legal Ease

You Must Re-title Assets in the Name of Your Trust to Avoid Probate

You have to understand that a trust only helps a person's estate avoid probate if the trust in fact owns that persons assets at his or her death. If the individual dies with assets in his or her name alone, then those assets generally need to be probated.

Ambord
Dollar Sense

How to Avoid Bad-Apple Tax Preparers

Before you hand over your tax information -- which includes your Social Security number and those of your spouse and dependents -- to someone you barely know, do some checking.

Whether or not you have to file, it might be a good idea. The deciding factors include your age and gross income and filing status. Persons age 65 or older are allowed to have more gross income than younger taxpayers before they are required to file.

Ambord
Dollar Sense

Looking for Part-Time Work?

SCSEP pays the wages, but after the initial training period, some of these seniors are hired by the charities they trained with. Some go to work for other charities where they will work for several months while acquiring new skills. But the ultimate goal is for the seniors to be placed in good jobs in the public or private sector.

Ambord
Dollar Sense

Your Future Comfort Could Depend on Long-Term Care Insurance

Also ask the agent what the effect of inflation on your policy will be. There could be a long gap of time between purchasing the policy and using it. Obviously benefits that are eaten up by inflation will be of little use.

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