Medicaid Can Go Back _ Years to Seize Assets to Pay for Long Term Care

How Far Back Can Medicaid Go to Seize Assets to Pay for Long Term Care?

Smart Quiz: Medicaid Can Go Back _ Years to Seize Assets to Pay for Long Term Care a. 7 years b. 2 years c. 5 years d. 1 year Answer: 5 years ( – Advances in medicine means people are living longer, but it’s also leading to the need for long term care. Even the […]

4 Changes That Can Save Money

Think Outside the Box to Spend Less ( – Sometimes what everyone else is doing simply isn’t good enough. For those with serious financial goals to accomplish, saving more money might require thinking outside the box. These are financial tips for those who are already switching to LED, clipping coupons, carpooling to work and making […]

What You Can Give Away Without Triggering the Gift Tax

Up to $15,000 Per Person Per Calendar Year (2019-2020) Is Safe From the Gift Tax Many people choose to gift assets to members of their family (or even friends and partners) over the course of their lifetime. Usually, this is part of their financial planning efforts. While it can be a great way to distribute […]

5 Often Overlooked Tax Exemptions

Which Type of Account Saves Pre-Tax Dollars?

When It Comes to Tax Time, Every Little Bit Helps! When it comes to tax time, everyone wants to get the most out of their return by minimizing what they owe. Most people get some type of refund, depending on their financial circumstances. Claiming all possible deductions ensures the taxpayer’s money is actually working for […]

Beware This Major Telephone Scam

The Only Time It’s OK To Give Out Personal Financial Information Over The Phone Is When…

( –  Calls from sophisticated scam artists often appear to come from a legitimate bank on Caller ID. The caller might even seem to have access to private financial data, such as banking account numbers, home addresses, employment status, maiden names, or the individual’s date of birth. But that doesn’t mean you should trust them. […]

5 Simple Money Saving Tips

You Can Save Money When...

( – Imagine if you had extra cash left over at the end of the month and all the bills were paid. Even a few extra dollars can seem like a lot if you’ve been struggling to make ends meet. No matter what your financial situation you can decide to start saving money, right now. […]

4 Medical Expenses You Can’t Deduct

( – It’s that time of year again, time to think about filing our taxes. Those who receive a lot of medical care throughout the year will definitely want to consider all the deductions available to reduce how much they owe. There are several expenses that can be claimed on a 1040 schedule A, but […]

Is Coffee Holding You Back?

( – The key to financial success? Stop wasting money on pedicures and $4 lattes. At least that’s what many popular personal finance gurus would have the world believe. How much weight does this line of thinking hold? Do a few, small personal sacrifices really pave the road to financial security? Check the Math While […]

How Do You Know If You Really Can Afford Something?

How Do You Know if You Really Can Afford Something?

Smart Quiz: How Do You Know if You Really Can Afford Something? Enough in Savings Room on Credit Card It Won’t Break You Dedicated Savings Answer: Dedicated Savings ( – We all see extras we’d like to buy from time to time, but bills and other financial obligations simply have to come first. While it’s […]

Finances: Why Learning Young Matters

( – For parents and grandparents, the worry is always there, wondering how their children will make it in this high-pressure world. From being self-sustaining and making ends meet to getting a college degree, everyone wants the best life for their child. The younger generation isn’t saving like they should. Here are some suggestions on […]

3 Best Ways to Prevent Travel Theft

( – Theft is prevalent in every corner of the world. This is even more true in popular travel destinations, where local criminals are more than happy to take advantage of someone enjoying time away. That’s a topic far too few people consider before heading out on vacation. Yet, the last thing anyone wants to […]

Which Question Can Slash the Grocery Bill?

Which Question Can Single-handedly Slash the Grocery Bill?

Smart Quiz: Which Question Can Slash the Grocery Bill? What is good to eat? What do I want to eat? What do we have to eat What is convenient to eat? Correct Answer: What do we have to eat? ( – Meal planning has proven itself to be one of the best ways for families […]

What is the Worst Threat to Financial Health?

What is the Absolute Greatest Threat to Your Financial Health?

Smart Quiz: What is the Worst Threat to Financial Health? a. Over Spending b. Health Decline c. Bad Investments d. The Economy Answer: Health Decline ( –  Routine medical check-ups and prescriptions for everyday ailments can put a dent in just about anyone’s wallet. A true medical emergency or sudden serious illness can quickly deplete […]

A Great Way to Give to Your Favorite Charity

( –  Charities around the world, whether focused on people or animals, all rely on contributions from donors to keep their operations running. Gifts of cash, property and other assets are commonly donated, but what if there was a better way to get more bang for your buck? Enter donor-advised funds. Donor-advised funds aren’t necessarily […]

Great Ways to Score Reading Material Cheap

( –  There’s nothing better than reading a good book. Getting ahold of the latest bestsellers and popular magazines is just a way of life for the avid bookworm. Problem is, it can get pricey, especially if you’re a fast reader. Fortunately, there are ways to cut costs by looking for used bookstores, joining book […]

Creative Ways to Save Money on Meds

New Employee Healthcare Benefits - January 2020

( – When it comes to doctor visits, one thing many people have in the back of their mind is how they’re going to pay for prescriptions. Name brands are expensive and even more costly if there’s no prescription coverage. The good news is, there’s more than one way to pay for a pricey script. […]

Retiring in a College Town

Best Thing About Retiring in a College Town

( – Thinking about where to live after retirement? If a beachfront condo or cottage in the woods isn’t your cup of tea, maybe it’s time to step out of the box a bit. For those who choose a college town, there are plenty of ways to keep busy while enjoying an active lifestyle. Some […]

Help! Someone Stole My Identity!

How to Hack-Proof Your Passwords

( – Identity theft totally sucks, period. If your identity has been stolen, the Federal Trade Commission says you should call them at 1-877-438-4338 or use their website at to file an official report. Read on for additional steps to limit the damage and recover your losses: Review ALL Account Statements Look for any […]

Leaving an Inheritance and Estate Taxes

( – If you plan to leave a significant amount of assets to beneficiaries after you pass on, estate planning is something you’ll want to think about sooner rather than later. Speaking with a qualified professional can help ensure that you take all of the necessary financial steps to reduce or eliminate the amount that’s taxed […]

Giving Someone General Power of Attorney

What is the Greatest Risk of Giving Someone a [General] Power of Attorney?

Smart Quiz! What is the Greatest Risk of Giving Someone a General Power of Attorney? A: Disregarding wishes B: No oversight C: Ultimate authority D: All of the above Answer: All of the Above ( – After a lifetime of managing your own affairs, giving someone Power of Attorney can be terrifying — and rightly so, […]

Which of These Tips Can Save On Gas?

Which of These Tips Can Save On Gas?

Smart Quiz: Which of These Tips Can Save On Gas? Inflate the Tires Get a Gas Price App Lighten the Load All of the Above Answer: All of the Above If you’re cringing every time you stop at the gas pump, you aren’t alone. In fact, that may be one of the few things just […]

How to Read Your Medical Bills

Why You Need to Read Your Medical Bills

( – No matter how often someone visits the doctor one thing’s for certain: medical bills will appear. Instead of tossing them on the counter or in the recycling bin, take time to really review them. If there’s a charge that doesn’t add up or balances weren’t picked up by the insurance company, don’t panic. […]

Want to Travel by RV? Renting vs. Buying

( – If you’re planning your next trip and you’ve decided that an RV is the way to go, you might be caught between renting versus buying. Both have their pros and cons, but it’s really up to you. Are you ready to take on the expense and maintenance of RV ownership, or would you […]

Assisted Living and the Role Pets Play

Why Are Pets Important in Assisted Living?

( – Moving into an assisted living facility can be a challenging transition for a parent or grandparent that you care about. While there are a lot of perks and plenty of activities to keep busy with, loneliness can also set in. Companionship can be beneficial to someone who is recently widowed or finding themselves […]

Creating a Financial Emergency Plan

Avoid Threats to Your Funds By Creating a Financial Emergency Plan

( – Chances are, you have an emergency plan set in case a fire takes over, a natural disaster strikes, or another disastrous situation takes place. You know where to go, who to call, and what to take. While these plans are important, so is creating a financial emergency plan to ensure you have cash […]

4 Big Threats to Your Financial Security

Four Threats to Your Financial Security

( – Having financial security is a goal for many people. We all want the ability to spend as we want when we want, with no repercussions of having little money left for necessities. For those who already have that security in place, it is best to avoid the threats that could get in the […]

Why Downsize for Retirement?

Why Downsize for Retirement?

Enjoy the Retirement of Your Dreams by Thinking Small ( – Attitudes about home size evolve with age according to a 2017 Trulia survey on house size. While many millennials are wishing for more square footage, 36% of Baby Boomers are thinking about downsizing. The idea of a smaller home isn’t just about feeling cozier. […]

This Common Digital Scam Targets Seniors

The Most Common Digital Scam Affecting Seniors Today

Malware Trickery Aims to Take Advantage ( – Scamming seniors into downloading malware is much easier than scamming other age groups. According to researchers, individuals over 65 are 34 percent more likely to be scammed and lose money than people in their 40s. Seniors are often targeted because they are more financially stable, but also […]

Helpful Tax Deductions for Seniors

Which Type of Account Saves Pre-Tax Dollars?

The Standard Deduction Is Most Common, But What Else Should You Be Taking Advantage Of? Sometimes seniors miss out on viable tax deductions that might help save them money or increase the value of their annual return. The most common applied deduction is the standard deduction, which nearly doubled for 2019. This year, singles can […]

New Scam: Grandkids In Distress

What Phone Scam is Easiest to Fall For

Seniors make twice as many purchases over the phone as any other age group. That leaves them wide open and vulnerable to scams involving phone calls. Because everything is done over the phone and disposable numbers and phones are tossed when the scams are complete, the perpetrator is almost impossible to catch. And when it […]


Who's Making Real Money Online?

Who’s Making Real Money Online?

All Kinds of People Are Making Money Online — Why Not You? Working online from home is a concept that appeals to a lot of...

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