Finances

What’s the Deal with Identity Theft?

In 2015, identity theft was the number one consumer complaint at the Federal Trade Commission (FTC). Breaches at healthcare companies Anthem and Premera alone exposed 91 million consumer records to the bad guys. In 2014, more than one billion records containing personally identifiable records were leaked. Today, identity theft is the fastest growing crime in the world. Everything from your credit card information to your medical history is at risk. This is a frightening book. Robert Ryerson talks about the black market value of stolen data like medical records and the reality that our innocent children can be victims of this crime. … [Read more...]

What You Don’t Know About Retirement Income Can Hurt You!

What You Don’t Know About Retirement Income Can Hurt You!

In the past, retirement planning was focused on reaching “the number” or what the value of our “nest egg” needed to be. For years, clients and advisers focused solely on their “account value” to gauge whether or not they’re were going to ever retire. We were told that this “number” was different for every person. Well, the reality is that today, that “number” should no longer the sole focus for investors hoping and praying to retire. Rather the focus should be on “how much” will that number provide in income! Recreating a paycheck in retirement or funding the day to day needs for retirees has become more important that the journey to a … [Read more...]

What’s the Deal with Reverse Mortgages?

What’s the Deal with Reverse Mortgages?

People entering, nearing, or in retirement are all wondering how they are going to make their retirement nest eggs last as long as they do. Studies show that the main fear that people have in retirement is running out of money. Add to that the reality that the rules for retirement have changed; government regulations have both helped and hindered those who are retiring. For many in the Boomer generation, it will be a challenge to make the money last without having to adhere to an unpleasant budget. To survive and thrive in retirement in the coming years requires new thinking and a clear understanding of the options open to retirees. One of … [Read more...]

What’s the Deal with Retirement Planning for Women?

What’s the Deal with Retirement Planning for Women?

Why is retirement planning different for women? Women are completely comfortable talking about many “M-word” topics: their marriages, motherhood and their mothers, merlots and martinis, mammograms and menopause. But, bring up money and the conversations often screech to a halt. Ask how prepared a woman is for retirement and she can tell you the exact date when she wants to retire, but not how much money she’ll need for a 30-year retirement. In this thought-provoking, but non-traditional, fun approach to planning for a woman’s retirement, Marcia Mantell guides women through the key questions they’ll need to answer before they will be … [Read more...]

What’s the Deal with Estate Administration?

What’s the Deal with Estate Administration?

what's the deal with estate administration

Estate administration is an on-the-job learning experience that most hope they will never have to experience. What’s the Deal With Estate Administration? answers the questions that you didn’t even know to ask, especially at a time that is quite overwhelming for all of us. In her previous book, What’s the Deal With Estate Planning? Peggy R. Hoyt provided a fresh new approach to thinking about estate planning that focuses on the personal aspect, not just the documents involved! Her unique approach to estate planning addressed questions regarding planning for mental incapacity, planning for long term care and ultimately, planning for your death. … [Read more...]