In an era where texting has become a primary mode of communication, understanding text etiquette is crucial for maintaining strong personal and professional relationships. How we craft and send messages can influence how we are perceived, impact relationships, and even determine professional opportunities. While texting offers convenience, it also requires careful consideration to ensure clarity, professionalism, and respect.
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The Check Is In The Mail! That Could Be a Big Problem.
In the age of digital payments, check writing is declining, but check fraud is on the rise. This low-tech fraud could cost you everything.
Retirement Savings Win Out Over College Accounts
Parents often face an ongoing struggle – should I save for retirement or fund my children’s education? It’s important to prioritize your needs. Here’s why.
Beyond the Beach: 5 Overlooked Steps Retirees Should Take Now
Retirement can be a wonderful chapter, but ensuring your financial house is not just in order but thriving is crucial. Many retirees focus on investment management but often miss key areas that can significantly impact their long-term security and legacy. Here are five often-overlooked yet vital steps that you should consider taking.
IRS Releases Standard Mileage Rates for 2025
The IRS has increased the optional standard mileage rates for computing the deductible costs of operating an automobile for business purposes for 2025. Here’s what you need to know.
Auto Insurance Rates Are Soaring, But You Can Limit the Damage
Nationally, auto insurance premiums have soared by about 50 percent over the past three years. Here are the biggest factors and what you can do about it.
Schwab Phishing Scam Alert
A new phishing scam involves attackers texting individuals from an international number about a disbursement from their Schwab account. This is an attempt to get people to provide their login credentials. Here’s how it works.
Charitable Gift Giving: Opportunities and Scams
The cries for charitable gifts are swinging into high gear. Most people do the majority of their giving in the final 6 weeks of the year. Cybercriminals know this, and are adept at crafting false solicitations designed to capture your donations.
Inflation, Deflation, and Disinflation
Inflation is decreasing. Are you wondering why you’re not feeling it? We are asked this question often. Let’s explore the concepts of inflation, deflation, and disinflation.
Seizing Control of Your Retirement: Monthly Pension vs. Lump Sum
The end of the year tends to be a popular time for people who are looking to retire to do so. For those fortunate enough to be able to choose between a monthly pension or taking a lump sum payment, the question they must ask is, “Which one do I choose?”
Social Security Announces 2.5% COLA Increase for 2025 Amid Cooling Inflation
The Social Security Administration announced a 2.5% Cost of Living Adjustment for 2025, effective January 1, marking a modest boost compared to last year’s 3.2% increase. This increase may feel insufficient to many.
Medicare Open Enrollment: It’s Time To Review Your Healthcare Coverage
The Annual Medicare Open Enrollment period has begun. If you need to make changes to your plan for 2025, now is the time. Here’s what you need to know.
When can Medicare Part D be opted out of?
A common question from individuals researching their Medicare options is, “Can Medicare Part D be opted out of?” Howard Hook was interviewed by the New York Post and offered an answer to a reader of the “Dear John” column.