Consumer Beware

CONSUMER BEWARE!

At least once a week I receive an email or cell phone message that sounds like a scam and I bet you do, too. Despite television announcements, magazine and newspaper articles, and warnings posted in public places, scams and other fraudulent schemes take a toll. Investment Scams When I was an advisor in a brokerage …

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spring and mothers

SPRING AND MOTHERS

Yesterday I spent most of the day raking leaves in our yard. The yard did not really need raking, but it was the first day warm enough to be outside and enjoy it, and I wanted the exercise. Iowa The birds are back! We regularly see chickadees, crows, and wrens but they have recently been …

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Computer Desk

MORE ABOUT IRAs

My blog, Traditional or Roth IRAs, covered the basics of contributions to and withdrawals from both Traditional and Roth IRAs. Those are the accounts that you as an individual can use to save for retirement, in addition to any company sponsored retirement plan accounts. There are different rules for Roth IRAs than there are for …

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documents

LEGAL DOCUMENTS FOR EVERYONE

One of my family members recently talked with me about a will and other documents that are necessary for not only a smooth transition of her property at her death but also to appoint others to take care of important matters if she was incapacitated in some way. An incapacitating injury or disease may mean …

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bed

THE TALE OF THE BED

This is a story about a bed. You probably have a similar story. Let’s see …… Newlywed I was married between my junior and senior year in college. We were totally oblivious to the material needs and costs of life together. We did not own a car. My husband had a motorcycle, and I had …

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Roth IRA or Traditional IRA Contributions

TRADITIONAL OR ROTH IRA?

It’s tax season and you may be wondering if it makes sense for you to contribute to an IRA, an Individual Retirement Account. Good question, especially with the option to make a standard deduction, versus itemizing your deductions. Before we talk about the potential for a tax deduction, however, let’s look at your IRA choices. …

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Sunflower Field

CHOICES

Today is sunny and bright, spring is in the air, and I feel excited! What a difference sunshine makes in my outlook! How about you? What makes you feel happy and content? Maybe it is a good run, the smell of coffee, walking on the beach, a good glass of wine, skiing down a mountain, …

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Saving for Education

SAVING FOR EDUCATION

Every day as I prepare breakfast, and then again at lunchtime, I watch parents drop off and later pick up their preschoolers at a church near our house. The little ones hop and skip to where their friends are playing, even if there is a foot of snow on the ground. They are always happy, …

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