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Money

September 2015
Ambord
Dollar Sense

Do Savings Bonds Make You Yawn?

$16 billion worth of the bonds have matured, which means they no longer earn interest. Yet, the Treasury Department reports that they have not been cashed. Why not? It’s believed that in many cases, the bondholders are deceased, and many of the beneficiaries don’t even know they exist.

Ambord
Dollar Sense

Ghosts Walk Among Us and They Have Credit Cards

They comb obituaries for information such as: home address, birth date and place, mother’s maiden name, the workplace, military service. These details may be enough for a thief to get the deceased individual’s SSN and clean out existing accounts, open other accounts, and possibly apply for veterans’ benefits or other government benefits, all in the name of your loved one. And the thief never even has to crawl out from under his rock to do it.

Ambord
Dollar Sense

No Wonder I’ve Lived This Long – I Can’t Afford to Die

Statistics show that right now, burial is slightly more common than cremation, but in coming years it’s expected that more people will choose cremation. Whichever you choose for your last wishes, if you don’t have several thousand dollars set aside for your funeral and you don’t already have a good life insurance policy in place, what are your options?

Ambord
Dollar Sense

The Worst Places to Hide Money in Your House

Many sources say that a huge user of power is your tabletop cable box. The New York Times says that little cable box uses as much power in a year as your big refrigerator. It’s always on “standby” and if it has a DVR attached or connected, the power use is higher.

David
Legal Ease

There’s Enough Grief for Your Spouse When You Pass Without Poor Financial Planning Adding to It

Having a durable power of attorney for financial matters is also important because a spouse cannot automatically act for a disabled spouse just because they are married, even for certain jointly titled assets such as real estate.

Telleen-Lawton
Financial Fortitude

Financial Quandaries: Irresponsible Brother; Possible New Husband

A pre-nup is a good idea for any situation where either of the parties comes to the marriage with substantially different assets, but this won't affect your legal responsibilities. You should see a lawyer in your state before making a decision.

August 2015
Ambord
Dollar Sense

Potpourri: Miscellaneous Information about Making Money, Keeping Your Money, and Other Stuff That’s Just Good to Know

Do you know a senior who needs legal help but can’t afford an attorney? There are many sources of low- or no-cost legal help, depending on your financial situation and where you live. Here are four.

Ambord
Dollar Sense

What You Should Know about Scams and Scoundrels Who are Out to Steal Your Money

John Gannon is the president of the Investor Education Foundation, part of the government’s Financial Industry Regulation Authority (FINRA). He says the most likely target is 55- 65, male, college-educated, and financially astute.

Ambord
Dollar Sense

When Adult Kids Live in Your House

It could be that your kids have left home and later suffered a significant loss, like a spouse, a job, or had a house foreclosed. There’s no shame in needing to regroup, for a time. But there’s also no reason why a healthy adult shouldn’t be contributing financially to make the household run.

David
Legal Ease

Trying to Avoid Probate? Just a Will Alone Won’t

Unfortunately, many people share the same misconception that by preparing a last will and testament probate can be avoided. Whether probate will be required has nothing to do with whether you have a will.

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