How to be Financially Prepared for a Disaster or Emergency

unsplash-rainIf a disaster or emergency strikes you may only have minutes to respond and protect yourself and your family.  Once the emergency has passed, your next focus will be on how to rebuild your life. Having access to your finances, insurance, medical and other necessary records will be critical to start your recovery quickly. Continue reading

What to know about the Equifax Breach

unsplash-cityOn September 7, 2017, Equifax, one of the three main credit reporting agencies, announced a massive data security breach that exposed vital personal identification data — including names, addresses, birth dates, and Social Security numbers — on as many as 143 million consumers, roughly 55% of Americans age 18 and older.1 Continue reading

Can You Afford to Have One Spouse Stay Home?

unsplash-child 1For many families, this is an important question. Unfortunately, most dual income couples feel that both of them have to work in order to meet their expenses and maintain their lifestyle. If you evaluate your situation financially–factoring in the cost of working and the amount of taxes that you pay while both of you are working–you may find that you have a choice. One of you may be able to stay at home without seriously affecting your cash flow. This evaluation will at least enable you to make a more informed decision. Continue reading

What To Know If You Are An Executor Of An Estate

unsplash-lakeWhen people pass away, they usually leave behind money and other things of value (assets). In addition, they may have auto loans, mortgages, and other outstanding debts (liabilities). Together, the assets and liabilities left by a decedent are known as the estate. Settling an estate means that someone follows the legal and administrative procedures set up to pay the liabilities of the estate and distribute the remaining assets to the rightful beneficiaries. Continue reading

8 Financial Tips Every College Student Needs

unsplash-workerCollege is an exciting time, but it’s also an expensive undertaking. According to the average accumulated student loan debt is between $26,000 and $100,000.

It’s important that parents prepare their college freshmen for their money choices, just like they would prepare them for other life decisions. Before they head off to school, make sure your college student knows these tips that will allow them to enjoy the college experience at the lowest possible cost. Continue reading

How Divorce Effects Your Social Security Benefits

unsplash-mountian viewAfter a divorce, you can claim retirement benefits based on your own earnings record (if you have been employed and have accumulated enough credits over the years), or you can claim benefits based on your ex-spouse’s earnings record (whether or not you ever worked), provided that certain requirements are met.

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Key Steps To Protect Your Vacation


Travel insurance refers to specialized coverage you can buy to insure yourself against various risks that travelers face. Travel insurance policies may protect you against one type of hazard (e.g., getting sick or having a trip canceled) or against a group of hazards. You can purchase travel insurance from insurance companies, travel agents, tour operators, cruise lines, rental companies, or travel assistance companies. Coverage, cost, and terms vary widely. Continue reading