The beginning of a new year is a great time to make financial changes we have long delayed or avoided. Here are 21 ideas that may help you manage your hard-earned money better: Take the time to review every penny you make and spend. Make a paper list or an Excel spreadsheet. Examine every expenditure; […]
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The last thing a family wants to do during the holidays is think about or discuss estate planning. But families usually are together during this time, including elderly relatives, so it’s an ideal opportunity to address this subject. Estate planning is not just about what happens when someone dies. It also includes plans while family […]
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In our current climate, more people are working from home to avoid Covid-19. Unfortunately, that puts all of us at greater risk for a computer virus. Almost every week, headlines frighten us with news about data breaches, cyber attacks and identity theft. Innocent-looking emails entice us to click thorough to unprotected sites that download a […]
What comes to mind when you recall holidays gone by? Do you have sweet memories of time spent with friends and family, or unpleasant memories of family and gift-buying stress — along with debt to start the new year? I can’t eliminate the stress caused by 2020 or relatives, but I can provide a few […]
It is not hard to find a country music song about love gone wrong and divorce, but does splitting up always have to end in an ugly legal battle? Not really, if both parties can agree to a non-adversarial divorce method. It’s hard to find an area in the law with more important issues than […]
These days, a greater number of people in long-term relationships are opting to live together without marriage. One reason may be the idea that if the couple splits up, they will not incur the property loss associated with divorce. It is true that, generally, a married couple has property rights not available to single, cohabitating […]
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One of the few things people know about Social Security is that contribution is mandatory, and when they get old enough to retire, they will receive a certain amount of money per month as long as they live. An annuity has some similarities; when properly designed, it can provide guaranteed income in retirement and help […]
