What is Mom’s Password?

What is Mom's Password?

Let’s face it. We live in a sophisticated, technologically driven world whether we like it or not.  Like most things in life, that happens to be both good and bad news. What is Mom's Password? But with technology comes passwords, usernames,  and PIN numbers. Not only are we instructed to keep these in a “safe” place, we are challenged with the task, on a daily and sometimes hourly basis, of remembering what password goes with what. What is Mom's Password? So how do we keep all our passwords and usernames straight while we gracefully age and our short term memories grow a bit

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Will My Advance Directive Work In Another State?

Smiling senior lady choosing travel tour with manager

Making sure your end-of-life wishes are followed no matter where you happen to be is important. If you move to a different state or split your time between one or more states, you should make sure your advance directive is valid in all the states you frequent. An advance directive gives instructions on the kind of medical care you would like to receive should you become unable to express your wishes yourself. It often designates someone to make medical decisions for you. Each state has its own laws setting forth requirements for valid advance directives and health care proxies. For

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How can identity thieves use your personal information?

If an identity thief gets ahold of your information, it can be used in many ways. Your Social Security number can be used to create new accounts, take out a loan or apply for a job. Your bank account can be drained and fraudulent purchases can be made. Someone can use your information to see a doctor or get prescription drugs. If you lose your driver’s license or your wallet is stolen, someone might use your ID to avoid a DUI or speeding ticket or might try to purchase controlled items. If you’re a parent, teach your kids safe online

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How to Protect Yourself from Identity Theft

How is identity theft committed? Your personal information can easily fall into the wrong hands. Often, thieves search through trash for sensitive documents, but increasingly information is stolen from online sources. You might fall prey to a fraudulent phishing email that steals your information, or someone might use a “skimmer” to take your credit card number. Your information can also be leaked from companies you do business with, or hackers may access your wireless internet signal. Your personal information can fall into the wrong hands in many ways. In the past we thought of identity theft in physical terms: someone

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Ultimate Guide to Burial Insurance for Seniors

Ultimate Guide to Burial Insurance for Seniors

With about 40% of adults in the U.S. foregoing life insurance, it makes sense to discuss how this can affect family members and close friends. For those of you who have played a part in financing a funeral when an uninsured family member or friend has passed away, certainly, you are intimately familiar with the financial burden that can accompany the grief of losing a loved one or close friend. Ultimate Guide to Burial Insurance for Seniors When the market crashed in 2007, practically every working person in America felt the impact. Many seniors who were hoping to stop working postponed

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Life (and Death) Happens: Why a Plan Is So Important

Growing up as the youngest of seven children I was surrounded by many maternal figures. The age difference between me and my oldest sister is sixteen years. In addition to the love from my parents, my siblings made sure I had everything I needed – everything except a plan for the unthinkable. At 10 years old, life was “normal.” I was doing well, going to school and hanging out with my friends. My childhood home was in the suburbs of Palm Desert, Calif. My siblings and I really didn’t want for anything. My father owned his own contracting business and

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How Retirees Can Earn Money Online

How Retirees Can Earn Money Online

As a retiree, there are many activities that you can spend your days engaged in. Maybe you’re working on a project that you’ve always dreamed of doing. Perhaps you’re living casually, traveling the world or ticking off items on your bucket list. How Retirees Can Earn Money Online Whatever it is you’re doing the chances are that you’ll need money to do it, and since you’re not working, you may not want to go ‘all out’. However, instead of returning to the typical 9-5 workforce, why not use the power of the internet to earn money from the comfort of your

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How to Budget Online Holiday Spending

How to Budget Online Holiday Spending

Five things you can do now to avoid post-holiday blues How to Budget Online Holiday Spending Online shopping has made the holidays considerably easier to manage in recent years.  No longer do shoppers have to elbow their way through massive crowds in shopping centers, wait in seemingly mile-line long lines to check out, and inch through enormous parking lot logjams at a snail’s pace. Instead, it takes far less time to click away on one site after another, loading up carts and checking out in about as much time as it takes to make a cup of coffee. With so

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How to Outsmart a Fraudster

Hands on the Money

Frauds and scams have escalated. Here are a few tips I received from my bank that will help keep us aware of scams. The following note appeared in my email this morning and I hope you take precautions to remain safe. "Carol, we've become aware of a widespread scam targeting bank customers nationwide, including ours. Please use caution when discussing your bank accounts over the phone as you could be chatting with a scammer, disguised as a Bank employee. Keep in mind, while we do make follow-up calls occasionally, we don't call our customers out of the blue." Here are

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