November and December are big spending months—in 2022 holiday sales surpassed $960 billion. The holidays are also a time to give back, and there are affordable ways to make a meaningful impact this season. The holiday season is officially in full-swing, and if last year’s numbers are any indication, November and [...]
Forty-two percent of Americans do not own any stocks or stock-related investments, according to a recent Gallup poll.1 Individuals may cite different reasons for not investing, but with important long-term financial goals, such as retirement, in the balance, the reasons may not be good enough. Why Invest? [...]
John and Mary are nearing retirement and they have a lot of items on their bucket list. Longer life expectancies mean John and Mary may need to prepare for two or even three decades of retirement. How should they position their money?1 One approach is to segment [...]
As the holiday season approaches, it’s fun to get swept up in the festive spirit and the joy of giving. However, it’s also a time when our wallets can feel the strain of gift-giving, holiday feasts, and family getaways. This year your financial wellness doesn’t have to take a holiday break. Your [...]
The vulnerability that comes with age should be met with care and respect, but unfortunately, some individuals prey on the trust and diminished capacity of the elderly, subjecting them to financial scams and coercion. Elder financial abuse is a distressing reality where perpetrators exploit seniors, often forcing them to withdraw funds or tricking them [...]
In the digital age, matters of the heart have extended into the realm of the virtual world. Unfortunately, this shift has also given rise to a particularly heart-wrenching cybercrime known as romance scams. These scams exploit individuals seeking love and companionship online, often leading them down a path of emotional manipulation and financial loss. [...]
Most children stop being "and-a-half" somewhere around age 12. Kids add "and-a-half" to make sure everyone knows they're closer to the next age than the last. When you are older, "and-a-half" birthdays start making a comeback. In fact, starting at age 50, several birthdays and "half-birthdays" are critical to understand because they have [...]
Some of us share a common experience. You're driving along when a police cruiser pulls up behind you with its lights flashing. You pull over, the officer gets out, and your heart drops. “Are you aware the registration on your car has expired?” You've experienced one of the costs of procrastination. Procrastination can [...]
Traditional Individual Retirement Accounts (IRA), which were created in 1974, are owned by roughly 36.6 million U.S. households. And Roth IRAs, created as part of the Taxpayer Relief Act in 1997, are owned by nearly 27.3 million households.1 Both are IRAs. And yet, each is quite different. [...]
In the realm of cybercrime, impersonation scams stand as a significant threat to individuals and organizations alike. These scams involve perpetrators assuming false identities to deceive victims into believing they are interacting with a trustworthy source. In this article, we will delve deep into the world of impersonation scams, focusing on tactics such as [...]
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