perm at home

Not a “One-And-Done”: The Importance of Reviewing Your Estate Documents

You know how there are some things in life that you really only need to do once and not feel compelled to ever do them again? Wisdom teeth removal, home perms, and puberty all come to mind here. However, other things that might seem like “one-and-done” issues actually bear repeating. For example, how often should you review[…..]

hand in hospital

Three Legal Strategies When Facing A Major Health Event (Guest Post)

Curtis Kaiser, Esq., a professional colleague and a personal friend of ours, recently wrote his own blog post on Major Health Events. To me it was impactful and I asked Curtis if we could share it with our clients and friends.  Last month, Curtis volunteered a day of his time to be Counselor for a Day in[…..]

Decorated Christmas tree branch with holiday pastry

A Season of Firsts: Financial Tips for New Widows and Divorcees During the Holidays

As any new widow or divorcee knows, the initial year after her transition is full of firsts—the first birthday alone, the first anniversary alone, the first vacation alone—and among the most challenging of these can be the first holiday season alone. “The most wonderful time of the year” may not feel so great this year and the[…..]

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The Complexities of Capital Gains Rates

Most of us know that taxes on capital gains are more favorable than other types of taxable income.  For “ordinary income”, the tax brackets have rates of 0%, 12%, 22%, 24%, 32%, 35% and 37%.  Ordinary income is comprised of things like wages, interest income, and IRA distributions, among other things. To contrast, capital gain rates are 0%, 15% or 20%. […..]

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Credit Freezes, Protecting Yourself Against Identity Theft

Credit freezes are one of the most effective ways for consumers to protect themselves against identity theft.  Data breaches at banks, healthcare providers, insurance companies and credit processors have left consumers vulnerable to fraudsters, and freezing access to your credit file may help you avoid becoming a victim. What exactly is a credit freeze?  A credit freeze[…..]

antiques in market

Are you thinking about donating “big ticket” items of property to charity? Beware of these IRS new regulations

Ten years ago, the Internal Revenue Service proposed regulations that would define how to value (and prove the actual value) of non-cash donations of $5,000 and over to charity.  The regulations involved things like artwork, jewelry, antiques and other possessions whose value is often in the eye of the beholder. Now, a decade later, the IRS has[…..]