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Money

August 2016
Ambord
Dollar Sense

You Gave Your Power of Attorney to the Wrong Person… Now What?

Distribute copies of the new power of attorney to everyone you normally transact business with, immediately. Make sure it‘s understood that the previous agent no longer has power to act for you. Don’t delay. In some states, banks will be protected if they continue to honor the old agent’s demands, unless they have received a notice of revocation.

David
Legal Ease

Handling the Important Legal and Financial Matters after a Spouse’s Death

Even with the best and most complete estate plan, there are always matters that need to be addressed when one spouse dies.

July 2016
Ambord
Dollar Sense

Beware! Tis the Season for Counterfeit Money

When tired or distracted consumers get in a rush and scoop up a handful of bills in change without looking closely – on vacation, at neighborhood garage sales, or at the mall – it’s heyday time for crooks. If you’re going to avoid being a victim yourself, you must be on the lookout for fakes.

Ambord
Dollar Sense

Biting into the Donut Hole of Drug Costs

Ask your druggist about discount programs. Some do not work in coordination with Medicare, but many do. Depending on the drug, it might be cheaper to actually bypass your insurance (especially private insurance) altogether. Your insurer may not tell you this, because in some cases, they are profiting by your lack of knowledge.

David
Legal Ease

How to Anticipate Trust Traps for His Kids, Her Kids and Second Marriage Issues

This is a common concern among people in second marriages who have children from prior marriages. Most people want to make sure that their own children receive a portion of their estate and that the surviving spouse honors the agreed-upon plan of disposition that both spouses put together while they were alive.

June 2016
Ambord
Dollar Sense

Avoid these Money-Stealing Scams

One way to verify the sender is to let your cursor hover over the website address. The genuine address for the Social Security Administration is: ssa.gov. Thieves attempt to fool people by adding a character or two, hoping you won’t notice. For example, a fake website might look like this: ssa.gov2e.

Ambord
Dollar Sense

Life Insurance: A Few Things You Need to Know

Under normal circumstances, a paid-up life insurance policy will at least help pay for your final expenses, and possibly much more. Depending on the type of policy, it may also help pay the costs of long-term care, should you need it.

David
Legal Ease

One of the Most Common Concerns: Disinheriting Children

You are not legally obligated to leave anything to this child or any child for that matter. However, in order to avoid him contesting your will by claiming that he was left off accidently, you need to specifically disinherit him in the will, or if you are creating a trust to distribute your assets, then in the trust.

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.

* * *

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.

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