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Money

March 2016
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.

February 2016
Ambord
Dollar Sense

January Potpourri: One Way to Reduce Prescription Costs and Other Pill-Related Stuff

Suppose you find a pill you can’t identify. Maybe it’s in the bottom of your purse, or maybe you found it when you swept the floor. Pills are too expensive to just toss, and too dangerous to guess about.

Ambord
Dollar Sense

Mysteries Are Fun, But Your Estate Plan Shouldn’t Be Mysterious

It’s a good idea to have your attorney and financial advisers present, so they can answer questions your heirs might have about tax implications and legalities involved in an inheritance. You can build trust among your family members and give them a chance to ask questions and work out contentious issues ahead of time.

David
Legal Ease

Can You Step In Now or Not? Finances and Health Are Hanging in Balance

It appears that the type of durable power of attorney your mother created was a springing durable power of attorney, which means you have no authority to act as her agent until she has been determined by one or more doctors to be disabled.
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The health care power of attorney naming you as your father’s patient advocate only becomes effective granting you authority to act on your father’s behalf at that time when your father can no longer make decisions for himself regarding his health care.

January 2016
Ambord
Dollar Sense

A High-Paying, Fast Growing Industry Made for Veterans Young or Old, with Free Training

You may be near or past retirement age and just want something to do with your days, or a way to bring in a little extra money or both. In 2013 two thriving companies announced they were committed to putting veterans (and in some cases their spouses) to work.

Ambord
Dollar Sense

What You Should Know to Protect Your Money and Your Identity in Tax Season, Plus Why Do We Say ‘Pay Through the Nose?’

To protect taxpayers, the IRS reminds us how to spot a fake. Here are five things tax scammers  and fake IRS agents do, which the actual IRS will not do:

David
Legal Ease

Expense of Creating a Trust vs. Probate Fees – The Choice Could Be Costly

How large is your estate? If it is sizable, that will only cause the cost of probate to go up because the inventory/appraisal fees that are paid to the probate court are based on the value of your assets. Consequently, the more you have in value, the more you will pay in inventory/appraisal fees.

Telleen-Lawton
Financial Fortitude

Women’s Retirement – Bleak or Blessed Financially?

Career-wise, we're a sandwich generation, caught between childhood expectations of being unpaid homemakers and wives and today's reality of providing for ourselves. Whether by choice, divorce, or widowhood, we face the challenge of building a retirement nest for ourselves. And doing it now.

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