Become Your Family CEO

Posted by Richard on June 12, 2019

Think of your family as a business. Your family is your personal corporation that makes sales (your work income), has operating expenses (bills), and needs to make a profit (savings and retirement). If you want your corporation to make money, you can do some of the same things a CEO does. Periodic expenses As CEO […]

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Should I Co-Sign My Kid’s Mortgage?

Posted by Richard on

As a parent, you would do anything for your child. But co-signing a mortgage is a major business decision, not just a family plan. Take the child out of the equation and think of the child as a borrower. There are advantages for the borrower if you co-sign the mortgage. With you as co-signer, the […]

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Beware These Email Phishing Attempts

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Seen lately in the wild are these phishing attempts: * Funny and fake: The director of the FBI needs your help for wiretapping the Internet! Evidently something you did with a bank was legal but because there are scams on the Internet, you are going to be sent $10.7 million. Go figure. Obviously, the FBI […]

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Kitchen Sinks Can Be A Design Feature

Posted by Richard on

Love it or hate it, the fact is, we spend a lot of time at the kitchen sink. Plus it’s a feature of the room that can draw the eye, so why not take a little time to choose one that’s got both form and function? Many homeowners today are choosing large single-basin sinks with […]

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Vested: It’s Not What You Wear; It’s What You Own

Posted by Richard on May 14, 2019

It’s a term thrown around a lot, and it sounds important: vesting. As in, being fully vested — that sounds pretty good and it is. According to the IRS, being vested in a retirement plan means ownership. All employee contributions to a retirement plan are 100% fully vested — the employee owns everything he or […]

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Securing Internet of Things (IoT)

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You are on vacation; wouldn’t it be nice to check in on the family pet? Or you are at work; it would be nice to check to see if the baby is down for a nap. The convenience of security cameras and baby monitors make them an important part of the Internet of Things (IoT). […]

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Airports Taking A New Look At Senior-Friendly Designs

Posted by Richard on

Airport torture. Enormous concourses 100-miles long. No benches. Dragging a suitcase. That crowd pushing around. The flight schedule is unreadable. The flight announcements are mumbles. By the time you haul your suitcase out of the luggage carousel, you’re finished. Something should be done. People aged 65 or older are becoming a very large group and […]

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How to Photograph Your Property For Max Impact and Quick Sale

Posted by Richard on

A majority of homebuyers today research online prior to checking out a house in person, and surprisingly few listings include anything other than mediocre photos. So good photography immediately sets you apart from other sellers. If possible, it’s a good idea to hire a professional real estate photographer. Real estate photography is a specialty unto […]

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Some 401(k) Fears Valid, Others Not, Experts Say

Posted by Richard on April 10, 2019

Fear: The boss might steal it. Somewhere on an assembly line is a young worker who once told a reporter: I wouldn’t put my money in a 401(k) because the boss could steal it. Rest easy. In average situations, there is very little chance the boss could steal the money from a 401(k), which would […]

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Taxes And Retirement

Posted by Richard on

Upon retirement, you don’t get a paycheck with the proper amount of taxes withheld. That’s obvious. What may not be so obvious until you retire is the amount of taxes you owe. Unlike employees, retirees write checks for their taxes, making them acutely aware of their tax burden. Of course, everything we save for retirement […]

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