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Money

August 2016
Ambord
Dollar Sense

July Potpourri: Your Health – Check Billings, Cut Costs, Heed Warnings

A professional medical billing advocate says “eight out of 10 bills have overcharges on them – you can save 17% to 49% just by looking at each line and checking to see if you’re being billed for medications you didn’t take or tests you didn’t undergo.”

Ambord
Dollar Sense

Metals – Sometimes Precious, Often a Scam: Silver, Gold and Collectible Coins in Your Retirement Nest Egg

It’s a good idea to talk with an advisor who has specific knowledge about this type of investment but who is not also trying to sell it to you.

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If you decide to buy, the Federal Trade Commission (FTC) warns consumers to vet the dealer carefully before trusting him or her with your assets. Most dealers are probably upright, but it only takes one crook to strip away your savings. Know this, says the FTC, if a seller of any product presses you to wire money for a payment, it’s probably a scam.

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.

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