The National Institute on Retirement Security (NIRS) states that American workers have not set aside nearly enough for retirement planning to the tune of trillions of dollars. Why? Well as the old adage goes, “Failing to plan is as good as planning to fail.” One of the first pitfalls in retirement planning is giving up…
There are so many people in our midst who are considered indigent. We see them on street corners, in parks, and where homeless people congregate. We may wonder how they get by from day to day. But do you ever wonder what happens when an indigent person dies? Cities, counties, and states have processes in…
Welcome back to the fourth and final article in our series on How to Raise Responsible Kids. You can read part 1, where we defined what responsibility means, and part 2, where we shared the first step to raising kids who are responsible with money, and part 3 where we shared how to raise kids…
Welcome back to the third article in our series on How to Raise Responsible Kids. You can read part 1, where we defined what responsibility means [Part 1], and part 2, where we shared the first step to raising kids who are responsible with money [Part 2]. Guide to Raising Responsible Kids Part 3 Today,…
Welcome back to the second article in our series on How to Raise Responsible Kids. You can read part 1, where we defined what responsibility means Part 1. Guide to Raising Responsible Kids In short, responsibility means your children are “able to be trusted to do what is right.” So let’s look at what that…
The Guide to Raising Responsible Kids My guess is that if we did a poll of every parent we know and asked them what they most want for their kids, what we would find at the core is that we all want to raise responsible kids. We may each have a different definition of what…
The practice of burying our dead in the ground has been traced back over 100,000 years ago. For the vast majority of that history, those burials have been green. In fact, the practice of embalming, one of the most environmentally harmful aspects of modern American burial, didn’t begin until the Civil War – in an…
Most people know they need a will. And many of them fully intend on writing a will … someday. But life is busy and the will keeps getting put off. Eventually, someday becomes never. In fact, nearly half of American adults will die without a will in place. So what happens if you die without…
Have you ever thought about what happens to your social media accounts after you die? According to the Pew Research Center, 74 percent of Internet users maintain a social media presence using websites like Facebook, LinkedIn, Instagram, and Twitter. The far majority of those use Facebook. What Happens to Your Digital Accounts After Death? Who…
If it’s important to you that your children attend college, the time to start saving is now, no matter how young or old they are; the question for you to ask is where to place your savings. How to Successfully Save for Your Child’s College Education If you start saving early in your child’s life,…
Choosing the Right Life Insurance Policy Life insurance products can be complicated, and because they often come with high commissions for the people selling them, it can be hard to know what to buy and who to trust when you are making that decision. The place to start is to think about whether and why…
In June, the United States Supreme Court issued its decision in Obergefell v. Hodges, a highly publicized case upholding the rights of same-sex couples to marry. This decision has widespread implications in various areas, many of which have not been anticipated in mainstream media coverage. Background on Same-Sex Legality Most of the plaintiffs were same-sex…
Most everyone needs a trust, and most folks don’t know it. Why You Need Trust A trust will save you thousands and thousands of dollars. But what is it? A trust is a legal creation set up to benefit someone or something. For example, some people set up trusts to benefit their children, their grandchildren,…
Dear Friends, It’s holiday season when travel is the busiest and careful planning is necessary to nab the best airfare or book that awesome hotel before it slips away. One thing that is probably not on your holiday travel to-do list is estate planning, but it should be so you can travel with peace of…
The Home Sale Closing Process A home sale closing is the end of the process of buying a home. It is the point at which the seller gets paid and the buyer receives title to the property. In addition to the seller and buyer, the parties present at a closing are usually the following: the…
Protecting Your Child As a parent, your number one job is to keep your children safe, and that’s not always easy. In our imperfect world, there is no shortage of potential dangers to innocent children. One of a parent’s worst nightmares is the thought of child abduction or receiving an AMBER Alert. We hear stories…
What to Consider and Avoid Creating a legally valid estate plan and building a deck are two entirely different things which America, as a nation, often do with the do-it-yourself plan – and a less-than-perfect deck won’t devastate your family’s financial future or the relationships among the people you care about most. The prevalence of…
You have likely heard over and over that there are many advantages to creating a comprehensive estate plan. One of the most important benefits for many individuals is that it allows you to help prevent disputes among your loved ones after you are gone. Below are a few steps to follow when establishing your estate…
The term “blended family” has become commonplace in our society and refers to a family where one or both spouses were previously married and have children from prior marriage. In some instances, the new couple goes on to have children of their own. With children, stepchildren, and ex-spouses involved, estate planning can get quite complex….
If you are in your “golden years” and are looking for ways to spread your wealth, you should consider the various tools that will allow you to financially protect and benefit your grandchildren. Carefully planning your gifts to your grandchildren is not only a generous act but can also be a financially wise move in…
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