Kiplinger’s latest forecast on retail sales and consumer spending iStockphoto By David Payne, Staff EconomistSeptember 27, 2017 Overall sales tumbled in August as sales of autos, building materials, clothing and electronics declined. Hurricane Harvey can partially be blamed, just as Irma is likely hitting September sales. But expect a rebound in the final quarter of […]
Symbol: TSLA Share price: $345.25 Market capitalization: $57.7 billion 52-week range: $178.19 – $389.61 Year-to-date return: 61.6% Estimated 2017 earnings: – $7.46 Estimated 2018 earnings: – $0.78 Price-earnings ratio: Not meaningful Tesla has had plenty to celebrate this year. In July, the company finally launched its first mass-market sedan, the Model 3, to rave reviews, […]
Gold is another popular flight-to-safety play, mostly based on worst-case-scenario fears. The broad idea is that if global economic structures come crashing down and paper money eventually means nothing, humans still will assign some worth to the shiny yellow element that once acted as a currency … even if it doesn’t have as much practical […]
Most of us buy life insurance to provide financial security for our loved ones after we’re gone, but a permanent life insurance policy could provide a valuable source of income while you’re still around to enjoy it. A permanent life insurance policy has two components: the death benefit, which is the amount that will be […]
Oct 20, 2017 … AARP Members Enjoy Exclusive Discounts on Travel, Dining and More. … Join or renew your AARP membership today for money-saving …
Sep 26, 2017 … An AARP analysis of HUD data found that a 62-year-old borrower who gets a reverse mortgage with a 5 percent interest…
Birmingham hit the No. 1 spot with its low health care and transportation costs and large inventory of affordable housing. Here are the poll’s top 10 least expensive cities, with annual individual costs across the five categories. 1. Birmingham, Ala.: $33,219 2. Detroit: $33,356 3. Jackson, Miss.: $33,676 4. Memphis, Tenn.: $33,859 5. Toledo, Ohio: […]
‘My Digital Travel for Seniors’ Learn how to use computers, smartphones, or tablets to plan travel, manage your itinerary, and save money Source: AARP Travel Vacation Planner, Travel Planning, Tips & Savings – AARP
Industriousness Knowing you’re a diligent worker, scammers send out most malware-containing emails and mobile scams early in the business day, when you’re busiest or most distracted. The flow spikes right around lunchtime. Advice: Slow down. “Think before clicking on a link — especially during high activity times such as the upcoming holidays,” suggests Gary Davis […]
You buy the annuity with a lump sum, which goes into the insurer’s general fund. You are credited with a tax-deferred return that’s linked to the market — for example, to Standard & Poor’s index of 500 stocks. If the S&P rises over 12 months, you receive some of the gain. For example, your credits […]
Venmo vs. Zelle The Platform Venmo: Operates through the Venmo app you download to your mobile device. Zelle: Operates through apps of participating banks and credit unions. How it Works Venmo: Transferring is easiest if both parties are on the app. You can “request” or “pay” other users and add a note or emoji as the […]
“Our industry is currently inundated,” Julie Martinez, a housing counselor at the nonprofit agency HomeStrong USA, told the Register. “We have an enormous influx of calls and requests for appointments that’s unprecedented.” Reverse mortgages give 62-and-older owners a chance to make use of the equity in their homes to get cash to pay bills. Officials at […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Executive Summary When we attempt to motivate people, we try to elicit an anticipation of pleasure by promising rewards (a bonus, a promotion, positive feedback, public recognition), or we try to warn of the pain of punishment (a demotion, negative feedback, public humiliation). But what’s not always clear is: Which should we be using — the […]
Executive Summary Becoming location-independent and traveling the world is more possible than ever. With the internet and a laptop, scores of professions that were once desk-bound — consulting, writing, researching, designing, and more — are now free to conduct business from around the globe. But is the lifestyle right for you? Before making the decision, […]
Follow me on Twitter @drClaire Children need sleep, plain and simple. We all do. Without enough sleep, we get cranky and, with time, unhealthy. But for children, it’s especially important because the effects of sleep deprivation can lead to lifelong problems. Studies have shown that not getting enough sleep can contribute to obesity. But even […]
Executive Summary Companies need proactive employees. They are essential for suggesting, developing, and sustaining innovative new projects and for helping companies stay competitive. But organizations must make sure that proactive employees know the types of risks to take and those to avoid. On the one hand, top managers need to provide autonomy so that middle […]
Executive Summary Conventional wisdom suggests that the most charismatic leaders are also the best leaders. But research shows that, while at least a moderate level of charisma is important, too much may hinder a leader’s effectiveness. Three studies — involving 800 business leaders globally and around 7,500 of their superiors, peers, and subordinates — suggests that […]
Make sure your bags don’t become part of the missing millions. Source: Kiplinger 9 Ways to Protect Your Luggage on Your Next Trip
Source: Kiplinger 5 Versatile Dividend Stocks No Matter Your Age
Source: Kiplinger Sending a Child to College? 15 Money-Saving Tips
As you close in on the big day, it’s time to consider how you’ll create income while dialing down stock market risk. Source: Kiplinger Planning Your Transition Toward Retirement
Oct 22, 2017 … Join or renew your AARP membership today — just $16 a year … Get more tips on avoiding scams and fraud…
Employers are required to submit by Jan. 31 a W-2 statement spelling out the wages and tax withholdings for each taxpayer in the prior year. The proposed rules would allow, but not require, employers to truncate the Social Security numbers on W-2s. For decades, federal agencies, taxpayers and consumers have been stricken with widespread identity […]
Close You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits. Got it! Please don’t show me this again for 90 days. Source: AARP Money Consumer Protection: Avoiding Scams, Fraud and Bad Deals
Then the piano migrated to our home. Our two sons took lessons on it, too. When tuners would visit, they would end their work by playing a little Chopin or Bach, no doubt a calculated reminder of what a glorious musical instrument it is — a fact not well revealed by an 8-year-old begrudgingly learning […]
As a result, scammers stole tens of billions of dollars last year from older Americans and the programs that serve them. Medicare fraud alone is estimated at $60 billion annually. In July of this year, 412 people were busted by federal investigators in health care fraud schemes that netted $1.3 billion. So who are these […]
Follow me on Twitter @RobShmerling What a difference a few years can make. Not long ago, I was learning about the dangers of coffee — how it could raise your blood pressure, make your heart race, impair sleep, and maybe even cause cancer. Now, the World Health Organization (WHO) is taking coffee off the possible […]
Executive Summary Executives spend too much time on information processing, reaction, and execution, and not enough on slow, deliberative, reflective thinking. But some CEOs have managed to resist these tendencies. Warren Buffett, Bill Gates, and Mark Zuckerberg read extensively, safeguard time for personal development projects, and constantly seek new stimulus and perspectives. Leaders such as […]
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Executive Summary It has been 10 years since the global financial crisis, and the fall-out continues in the industry that was at its epicentre: banking. There has been a truly dramatic retrenchment from foreign markets, making banking a rare case of an industry becoming less, rather than more, global. But as European banks retreat, China […]
Executive Summary Let’s face it. Most of us go through the motions, phoning it in, but engage in our work less than we are capable of. The consequence is not just lower productivity; it is lower quality of life. Half-hearted effort isn’t fun. The first responsibility of leaders — whether front line supervisors, middle managers, […]
Some fields of study can lead to low pay and limited job opportunities. Source: Kiplinger 5 Worst College Majors for Your Career
Check out our weekly earnings calendar and read the latest quarterly earnings previews. Source: Kiplinger Earnings Calendar, Week of Sept. 25-29, 2017 (NKE, MU, RAD)
The sneaker giant reports its latest quarterly earnings on Tuesday. Plus: Earnings previews for Micron Technology, Rite Aid. Source: Kiplinger Earnings Previews: Can Nike (NKE) Regain Its Footing?
Even seasoned investors can fall prey to a crook, or a financial professional who just isn’t very good. So take these measures to protect yourself. Source: Kiplinger Five Ways to Ponzi-Proof Your Retirement
Typically, the longer you’ve been together, the more assets you’ve acquired, and the more expensive the process. I’ve seen couples spend $200,000 in legal fees. And you have less time to recover financially from divorce the closer you are to retirement. Source: Kiplinger The True Cost of Gray Divorce
Mark “would text me all the time, it was very flattering. He said he was a churchgoing man. And his story was really believable,” said Joan, embarrassed to disclose her real name and how little she actually knew about him. Scammers have long used the internet to target people with their phony sweepstakes and hard […]
Executive Summary The Equifax breach is different from previous breaches. It isn’t the largest or the most embarrassing, but it involves personal data that people didn’t directly give to Equifax, which makes the nature of the breach unique. The company is facing a number of lawsuits, and Congress is demanding answers. But U.S. citizens may find […]
The Consumer Price Index was released by the Labor Department in August 2017. Not everyone anxiously awaits the release of these numbers but the experts have now made estimates of how they will impact estate, gift, and generation-skipping transfer taxes for 2018. These are not official numbers – the Internal Revenue Service will publish the […]
On September 15, 2017, the Internal Revenue Service (IRS) issued proposed regulations (REG-125374-16) amending the definition of obligations that are in registered form to take into account current market practices and changes made by the Hiring Incentives to Restore Employment Act. In addition, the proposed regulations clarify the types of arrangements that qualify as “pass-through […]
Executive Summary Work invariably ebbs and flows, cycling between steady states, where we feel more in control of the pace and workload, and peak periods, where the work crunch hits us hard. Maintaining focus and managing energy levels become critical as tasks pile onto an already full load. When you’re in your next work crunch, […]
Executive Summary The food and grocery industry feels threatened by Amazon’s acquisition of Whole Foods, but it faces a bigger but quieter threat: the long-term decline of people’s interest in cooking. Instead of ignoring this behavioral shift, food companies should become more proactive by exiting categories that have no future, focusing on super-premium products, and using […]
All U.S. citizens have a federally guaranteed right to vote, but those under guardianship (or conservatorship) may not have that right. Although things are slowly changing, some states still deny citizens the right to vote if they have been declared mentally incompetent, and this automatically includes anyone under guardianship, whether or not they actually lack […]
Executive Summary How do you evaluate the myriad of business opportunities you face every day? Should you speak at that event? Author a book? Attend a strategy summit? As you face an opportunity, or as you seek the opportunities you’d like to pursue, try ranking them according to five critical factors. 1.) Will this opportunity […]
Before the medical community had better understanding of the mechanisms that cause disease, doctors believed certain ailments could originate from imbalances in the stomach. This was called hypochondriasis. (In Ancient Greek, hypochondrium refers to the upper part of the abdomen, the region between the breastbone and the navel.) This concept was rejected as science evolved […]
You can’t give your required minimum distribution from a 401(k) to charity without triggering a tax, but you can donate your 401(k) RMD tax-free if you roll the money over to an IRA. Source: Kiplinger Making Charitable Donations From Your Retirement Accounts
Former governor Martin Schreiber discusses the often overlooked needs of caregivers. Source: Kiplinger Coping Advice for Family Caregivers
Despite the popularity of using dividend yields to choose stocks for their retirement portfolios, there’s a better indicator that investors should be looking at. Source: Kiplinger This Will Make You Rethink Your Dividend Investing Strategy
Source: Kiplinger The 7 Best Dow Jones Stocks to Buy Today
Navigating the world of car expenses can be confusing, but some extra legwork can really pay off. Source: Kiplinger Car-veat Emptor: Tips to Control Car-Buying and Repair Costs
Some facilities charge hundreds of dollars more for x-rays and tests than competing providers. “I’ve seen people get charged $500 for an x-ray that should be about $30. It happens all the time,” says Jeffrey Rice, CEO of Healthcare Bluebook, which compares prices using a nationwide database of medical payments. Independent radiology centers often charge […]
Raising the red flag on low interest and interest free loans to trusts Over the years, trusts have consistently proved to be a reliable and attractive vehicle for many, offering flexibility and benefits with regard to estate planning, investments, the protection of assets and tax planning. However, the increased use in trusts has led to […]
Jennifer Riel, an adjunct professor at the Rotman School of Management, presents a model way to solve problems: integrative thinking. It’s taking the best from two inadequate options to come up with a successful solution. She gives examples from the film industry to show how CEOs have put the process to work. Riel is the […]
If you’ve ever cringed in a meeting when your direct report was talking, you know how tough it can be to watch a team member undermine themselves. Maybe the person is interrupting colleagues too often. Or being condescending, or even combative. No matter the specific behavior, your employee is clearly rubbing people the wrong way. […]
Executive Summary The online economy — from search to email to social media — is built in large part on the fact that consumers are willing to give away their data in exchange for products that are free and easy to use. But a new working paper, released this week by Lesley Chiou of Occidental College and Catherine Tucker […]
Tackle the setbacks in order to market that property properly. Source: Kiplinger Make These 5 Fixes After a Home Sale Falls Through
Most people know HSAs offer a sweet tax deal, but they also offer a couple other important benefits you might not have considered. Source: Kiplinger What’s the Big Deal About Health Savings Accounts?
Kiplinger’s latest forecast on inflation Source: Kiplinger Moderate Inflation Will Return
It’s not uncommon for one person in a couple to take the lead in finances, but that can cause big problems later on. Source: Kiplinger When You Lose a Loved One Who Handles All the Money
Source: Kiplinger 5 Emerging-Markets Funds That Are Crushing U.S. Stocks
Kiplinger’s latest forecast on interest rates Source: Kiplinger The Fed Forges Ahead
If you wait until the last minute (zero to six days out), you’re likely to shell out more than 20 percent over the average ticket price. “Timing is a big factor in getting a good deal on airfare,” Sarah Gavin, vice president of global communications at Expedia, said in a statement. “People typically know pretty […]
Avis & Budget Members save up to 25% off base rates, plus get a free upgrade on compact through full-size car class bookings (based on availability). Grand European Travel Members save $100 per person on guided vacations and river cruises, plus receive a free gift. Hilton Hotels Members save up to 10% off the best […]
There are a number of types of relief available from the agency: physical business loans to repair or replace disaster-damaged property; economic injury loans to help small businesses meet ordinary and necessary financial obligations; and home business loans to repair or replace disaster-damage real estate and personal property. Loans for physical businesses and economic injury […]
In a survey released Tuesday, RewardExpert, a company that helps travelers maximize their mileage and points for travel, looked at 53 top destinations to see which one takes the prize as the greenest big city in the U.S. To make the determination, no plane trips were required. Data was gathered from the U.S. Census Bureau, Alliance […]
Issues and Recent Developments in Art Law 10/05/2017 11:00 AM – 10/05/2017 12:00 PM Program HighlightsPlease join Christie’s and the Locke Lord LLP Art Law Group for an overview of the art market and key legal issues. Thursday, October 5, 201711:00 a.m. – 12:00 p.m. (Eastern)Program will begin promptly at 11:00 a.m.. Please register below […]
The beneficiary of a special needs trust can never control or access trust funds – that is the job of the trustee. A common fear among beneficiaries or their families is that the trustee may not do what’s in the beneficiary’s best interests and that, if this happens, the beneficiary may not be able to […]
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My father was ecstatic when he retired from the US Postal Service after 30 years. But it didn’t take long before he began to miss the packlike male bonding he took for granted: group lunches, team projects, water cooler banter. When they were gone, it left a big hole in his life. “Men acquire friends […]
Low prices aren’t the only thing you’ll find at the discount supermarket. Source: Kiplinger 3 Reasons to Do Your Grocery Shopping at Lidl
Medicare covers fewer health care expenses in retirement than many people realize, but our strategies will help you save money as you fill in the gaps. Source: Kiplinger How Much Will You Spend on Health Care in Retirement?
There’s a lot to love about working part-time in retirement. Earning a paycheck is one obvious benefit, but there are other less-obvious reasons why it could be a great decision for you. Source: Kiplinger 6 Hidden Benefits of Consulting in Retirement
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Follow me on Twitter @drClaire These days, tattoos are increasingly common. According to a 2015 Harris poll, three in 10 American adults have a tattoo — up from two in 10 in 2012. They are particularly popular in young people; among Millennials, nearly half have a tattoo. In most states, you have to be at […]
Your success at the negotiation table requires a blend of different techniques. Chris Voss, former lead international kidnapping negotiator for the FBI, spent his career navigating high-pressure situations. While most individuals will never be bargaining to save a human life like Voss did, each of us negotiates daily with colleagues, vendors, friends, and family members. […]
Source: Kiplinger 12 Dividend Aristocrat Stocks to Earn Income All Year Long
Source: Kiplinger 5 Great Stocks and ETFs for Your Starter Portfolio
Source: Kiplinger 8 Hidden Values in the Used Car Market
Finding a new job later in life can present some challenges when it comes to age discrimination. Here’s how to combat them. Source: Kiplinger Battling Age Bias When Job Hunting
If you’re worried about outliving your savings (and who isn’t?), a lifetime of guaranteed payments could ease your mind. Source: Kiplinger Seeking Secure Retirement Income? An Annuity Could Be a Good Fit
Craft a solid plan for before and after the deed. Source: Kiplinger 8 Keys to Quitting a Job Like a Professional
Age doesn’t matter at Splash Lagoon. From spinning in the new Aqua Tumble to floating down the lazy river, there is plenty to do at this waterpark in Erie, Pa. Splash Lagoon has nine water slides, a wave pool, rope courses and much more. And to prove it’s a park for all ages, there’s Paradise Cove, a secluded whirlpool for adults […]
A city is never all about one neighborhood, but an old German area in Cincinnati called Over-the-Rhine has managed to turn this town around — encouraging investment and drawing new residents to its gentrified coolness. OTR, as locals call it, is now a vibrant, carefully cultivated 319-acre mix of condos, apartments, restaurants, bars and shops, […]
Many of you have heard of the new Federal estate tax “portability” rule that allows a surviving spouse to effectively inherit any unused federal estate tax exemption of a predeceased spouse. An individual can only use the unused estate tax exemption from his or her “last deceased spouse.” Some married clients conclude that portability means […]
A husband died in 2012, and his estate filed a gift tax return to report a deceased spousal unused exclusion (DSUE) and elected portability. The IRS sent a letter to husband’s estate accepting the estate tax return as filed. Portability allows a surviving spouse or the estate of that surviving spouse to use the unused […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
Follow me on Twitter @RobShmerling If you look at photos of President Obama taken before he ran for president and since he left office, you’ll notice a distinct difference: where there used to be only dark brown hair, there is now far more gray than brown. It seems that the stress of running a country […]
An “Echo Dot” device, left, and an “Echo” device stand on display during the U.K. launch event for the Amazon.com Inc. Echo voice-controlled home assistant speaker in London, U.K., on Wednesday, Sept. 14, 2016. The Seattle-based company today announced that its Echo product line will be available in the U.K. and Germany starting in the […]
Source: Kiplinger The 10 Best Dividend Funds to Buy Now
Many players in the NFL and NBA famously run into trouble after retiring from the sports world. We can all learn from their mistakes. Source: Kiplinger Don’t Make These 3 Pro Athlete Retirement Mistakes
Here’s a breakdown of how compensation for financial advice works, and what kinds of services you can expect to receive for the price you pay. Source: Kiplinger Your Financial Adviser Charges What? Understand the Value of Advice
Kiplinger’s latest forecast on the direction of energy prices Source: Kiplinger Gas Prices Have Crested
The announcement applies to Floridians in Alachua, Baker, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Duval, Flagler, Gilchrist, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Levy, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Union and […]
Close You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits. Got it! Please don’t show me this again for 90 days. Source: AARP Money Living On a Budget and Tips to Save […]
Close You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits. Got it! Please don’t show me this again for 90 days. Source: AARP Money Saving and Investing – Mutual Funds, Stocks, Bonds […]
Close You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits. Got it! Please don’t show me this again for 90 days. Source: AARP Money Credit, Personal Loans & Debt Relief – Reverse […]
Close You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits. Got it! Please don’t show me this again for 90 days. Source: AARP Money Tax News – Tax Credits, IRS Policies, State […]
Avis & Budget Members save up to 25% off base rates, plus get a free upgrade on compact through full-size car class bookings (based on availability). Grand European Travel Members save $100 per person on guided vacations and river cruises, plus receive a free gift. Hilton Hotels Members save up to 10% off the best […]
Avis & Budget Members save up to 25% off base rates, plus get a free upgrade on compact through full-size car class bookings (based on availability). Grand European Travel Members save $100 per person on guided vacations and river cruises, plus receive a free gift. Hilton Hotels Members save up to 10% off the best […]
Avis & Budget Members save up to 25% off base rates, plus get a free upgrade on compact through full-size car class bookings (based on availability). Grand European Travel Members save $100 per person on guided vacations and river cruises, plus receive a free gift. Hilton Hotels Members save up to 10% off the best […]
Avis & Budget Members save up to 25% off base rates, plus get a free upgrade on compact through full-size car class bookings (based on availability). Grand European Travel Members save $100 per person on guided vacations and river cruises, plus receive a free gift. Hilton Hotels Members save up to 10% off the best […]
Avis & Budget Members save up to 25% off base rates, plus get a free upgrade on compact through full-size car class bookings (based on availability). Grand European Travel Members save $100 per person on guided vacations and river cruises, plus receive a free gift. Hilton Hotels Members save up to 10% off the best […]
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Privacy Policy (Updated: October 8, 2015): hide JD Supra provides users with access to its legal industry publishing services (the “Service”) through its website (the “Website”) as well as through other sources. Our policies with regard […]
On September 13, 2017, Governor Chris Christie signed into law New Jersey Assembly Bill A-3433, otherwise known as the Uniform Fiduciary Access to Digital Assets Act (“UFADAA”). The Act becomes effective ninety days after the Governor’s enactment and applies to those persons who are residents of the State of New Jersey or who resided in […]
Experts have started to calculate the inflation adjustments to key estate and gift exemption amounts for 2018. Note that these are not the official figures to be released by the IRS, but should be used as a guide. The IRS will officially release the numbers later this year. For an estate of any decedent dying […]
A blog by definition is a regularly updated website or web page, typically one run by an individual or group, and is written in an informal or conversational style. As with any conversation, there is usually a blend of fact and opinion. In the case of a blog on medical topics, frequently the opinions are […]
Irma is gone, but those who were in her path will need assistance for many months to come to rebuild their lives. Charities have set up funds and organized relief efforts for those who want to donate time or money. Source: Kiplinger Helping Victims of Hurricane Irma
What you study can have a big impact on pay and employment prospects. Source: Kiplinger 5 Best College Majors for Your Career
Seven time-tested investing tips retirement savers can take away from Warren Buffett. Source: Kiplinger Be More Like Warren Buffett, Less Like You, When Investing Your Money
The storm and subsequent closings are, of course, a massive blow to the area’s $2.7 billion tourism industry; the island chain is typically abuzz with visitors snorkeling, fishing and dolphin-spotting. Hotels are reimbursing visitors who’ve already paid for rooms, according to Ashley Serrate, a representative from the Keys’ Tourism Development Council. The businesses here have […]
But even if Harry’s Supreme Formula HGH and Youthful Vigor HGH actually contained human growth hormone, consider this bit of knowledge: When taken in pill form—and not injected—real HGH is degraded by enzymes in the intestines before it can reach the bloodstream, rendering it useless, says Marc R. Blackman, M.D., of the National Center for […]
Do you care who will receive your assets upon your death? Do you have a minor child or children and want to have a say in who takes care of them if something happens to you? Do you care who will take care of you if you become incapacitated? Are you interested in minimizing taxes […]
When you have a negative emotion, are you upset or disappointed in yourself? Do you feel “bad” or “guilty” about this emotion? If so, you may be at risk for poorer longer-term psychological health. A study in the July 2017 Journal of Personality and Social Psychology looked at the psychological health of people who accept, […]
Earn additional income in retirement by starting a business that serves your peers. Source: Kiplinger Boomers Eye Work in Aging Market
Here are several ways for family-owned and privately owned companies to place assets out of reach. Source: Kiplinger Businesses Need Asset Protection, Too
Required minimum distributions can be a tax minefield if you’re not prepared for them. Here are some basics anyone with a traditional IRA or 401(k) should know. Source: Kiplinger Avoid Mistakes and Penalties with the ABCs of RMDs
Source: Kiplinger 10 High-Yield Dividend Investments to Set and Forget
Why it’s important to get on the same page about how you’ll spend your golden years. Source: Kiplinger 5 Money Conversations Couples Should Have Before Retirement
This assistance can be especially important for those who lacked flood insurance when the disaster struck. A poll by the Insurance Information Institute found that only 12 percent of U.S. homeowners had a flood insurance policy in 2016, down 2 percent from the previous year. Homeowners and renters who hold standard insurance policies are covered […]
New Jersey is one of two states that impose both an inheritance tax and a State estate tax upon death (Maryland is the other state). According to a bill signed into law by Governor Chris Christie in October 2016, the estate tax exemption amount in New Jersey is $2 million for individuals dying in 2017, […]
Reprinted from Probate Law Journal of Ohio, with permission of Thomson Reuters. Copyright © 2017 Years after the initial enactment of the Ohio Trust Code and articles published in this journal1 the Tenth District Ohio Court of Appeals in Zook, et al. v. JP Morgan Chase Bank National Association, et al., 10th Dist. No. 15AP-751, 2017-Ohio-838, […]
Investors shun bargain shares at their peril as stocks of fast-growing companies soar. Source: Kiplinger Are Value Stocks Ready to Rebound?
Source: Kiplinger 7 Safe Stocks to Prep for a Market Storm
Everyone needs to take precautions in today’s world of constant data breaches. Here are six steps to protect yourself. Source: Kiplinger How Consumers Can Clean Up After Equifax Disaster
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