Archive - September 2015

1
Planning For College – Choices and Payment
2
How To Protect Yourself From Investment Rip Offs
3
Exception to the Divorced Spouse Remarriage Rule
4
Starting Social Security is an Individual Decision
5
How to Keep Your Identity Safe Online

Planning For College – Choices and Payment

Part 1 of this series addressed how parents and family members can sometimes influence a child’s choice of schools through words and actions. Part 2 focused on the myriad of choices and how to assist a child in narrowing the selection to those best suited to help achieve vocation goals. The final segment of this 3 part series will attempt to outline options to think about when paying for a college education. While it may be possible to cover the entire cost of a child and their siblings’ education, it might be worth considering other options that involve the child. …

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How To Protect Yourself From Investment Rip Offs

We think the way financial professionals make their money matters.

Recently, I read Alex Padalka’s article in Financial Advisor IQ, “Top IBDs Rake It in From Revenue-Sharing,” which made me realize how lost the average investor must feel. Most average investors don’t trust the financial services industry to do what is right. That’s because the world of so-called advisors is filled with people who have a vested interest in commission-based products and services.

The article talks about IBDs, an acronym for Independent Broker-Dealers but is never defined, making money from revenue-sharing commissions, which also aren’t explained. …

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Exception to the Divorced Spouse Remarriage Rule

Generally speaking, when a divorcee is receiving a Social Security spousal benefit based on an ex-spouse’s record, the recipient must remain unmarried in order to continue receiving the ex-spouse benefit. (For more details on this, see Coordinating Social Security Benefits in Matters of Divorce and Remarriage.) In many cases,when a divorcee remarries, the spousal benefit based on his or her ex-spouse’s record will end.

However, there is an exception to this rule that I recently became aware of. It’s in part because the circumstances surrounding this exception have recently become more common – so let’s get to the exception.…

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Starting Social Security is an Individual Decision

It seems simple enough—the longer you wait to start Social Security, the more you’ll get. So you should wait as long as possible…unless you just can’t wait. You might need the money right away. Or you might be overwhelmed by what it all means and figure the sooner you take it the better because after all, you worked for it. But then again, you don’t know how long you’ll live or the quality of life you’ll have.

If all of that sounds imprecise, that is because it is. The decision to start getting Social Security is an individual one …

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How to Keep Your Identity Safe Online

Many websites require users to register and create an account in order to read and access the site. Most of these are legitimate websites who are concerned about security and trying to protect their sites from attack. But some websites are fishing for your personal information.

Those sites invite you to give them your name, email address, create a password, and answer several common security questions. Then, they use the personal information that you have given them for their own purposes.

At a minimum, you have given them your email address and they can use that information to send you …

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