Simple driving tips that save gas, money
When fuel prices spike, lots of tips and tricks to save on gas get trotted out. They’re not all worthy. Here are several that don’t violate the laws of physics, compromise safety or insult your intelligence: Get the junk out of the trunk online pharmacy buy arimidex online with best prices today in the USA Car engineers spend a lot of time engineering pounds, ounces and grams out... READ MORE
Avoid these common investment biases
Many investors have biases when they structure or make changes to their portfolios. Omar Aguilar, chief investment officer of equities and multi-asset strategies at Charles Schwab, addressed some of these biases at Schwab Impact 2019, a gathering of finance industry experts in San Diego in November. They included the following: —Recency bias: This is the tendency to invest based on... READ MORE
Ways to make some money on the side
As we recovered from the recession, many people who wanted to work took any extra jobs they could. In my day, we called these gigs part-time work, second jobs or moonlighting. But today they have been dubbed “side hustles.” A side hustle is usually taken in addition to your other work, or you can string a bunch together. You are freelancing to supplement your income. Let’s face... READ MORE
How to talk inheritance with your kids
One of the most important conversations you can have with your grown children involves plans for your estate — where assets will end up when one or both parents pass away. If you feel the time has come to broach this topic, find an hour or two to pull everyone together for a conversation. Here are some tips for speaking with your adult children: Don’t feel you need to provide... READ MORE
Reasons to get your financial life in order
Scammers regularly target older adults with bogus claims of unpaid bills. Having an organized system to double-check your finances can help protect you, according to Susan Devaney, a professional who specializes in helping older adults move from their longtime homes and resettle elsewhere. It’s also useful to have documentation if you’ve forgotten whether you paid a bill and need to ... READ MORE
Bad financial advice can be very costly
Good financial advice leaves you better off. Bad advice does the opposite and may enrich someone else at your expense. Here are some areas where you need to be particularly careful to seek out good advice, since bad advice can be so costly: Investing buy cytotec online cytotec online generic Most financial advisers aren’t required to put your best interests first. They’re allowed... READ MORE
Financial tasks to tackle at the new year
The beginning of the year is a good time to mark some items off your financial checklist, such as reviewing beneficiary designations, updating contact information and visiting your safe deposit box. A task without a deadline is just wishful thinking. Sometimes, you can get away with procrastinating. If you never get around to alphabetizing your spices, no one’s life will change. But... READ MORE
Protect yourself from fraud by a fiduciary
One in 20 older adults is a victim of financial mistreatment, according to the National Adult Protective Services Association. Most fail to report their victimization, fearing a loss of independence. In part, that’s because the most common perpetrators of financial abuse are family members, unscrupulous caregivers and professional advisers, such as lawyers, accountants and financial... READ MORE
Tax reduction via opportunity zone funds
It’s tough to think of a highly appreciated asset as the problem child in a portfolio. The goal is to choose investments that will flourish, after all. And those strong performers are typically the ones you love best and hold onto the longest. But things can get complicated when it’s time to let go — when that stock stops growing and you’re ready to sell, or when you’re... READ MORE
Questions to ask before investing money
Many people who ask me about investments or setting up an appointment often preface it by saying, “I’m sorry, this is probably a stupid question, but…” Most people are afraid to ask questions about their investments for fear of sounding ignorant or admitting in some way that they don’t have all of their “stuff together.” But there truly are no stupid questions when it... READ MORE
