Use ‘Transfer on Death’ Form to Avoid Probate Court

Avoiding probate can be tricky, but you might be able to successfully do it following these three straightforward ways. If you own stock certificates or have a brokerage account the ‘transfer on death’ option can be used to avoid probate. This option is often called the ‘Uniform Transfer on Death Securities Resignation.’ You can designate [...]

By |2018-12-17T10:37:59+00:00April 24th, 2017|Estate Planning|

A Pile Of Cash: How Important Is It?

Sure, when it comes to paying for something like a new car -- cash talks. Cash can get you a better deal and eliminate interest payments. But more importantly, than having cash is having cash flow. Cash flow is the true king. Cash flow is INCOME.   Try thinking of your money from a different [...]

By |2019-04-15T21:49:33+00:00April 23rd, 2017|Retirement Planning|

What Drives Your Financial Decisions?

 What drives your financial decisions? Is it Greed? Fear? Common sense?  Some Psychologists say that most financial decisions are made by most people in that order. The highest percentage starting with Greed, then Fear, and finally common sense. It has been my experience that that order may very well be correct.  Let's discuss each of these:  [...]

By |2017-10-23T01:35:07+00:00April 23rd, 2017|Retirement Planning|

One Huge Benefit for Annuity Owners

Many benefits annuities provide are included at no additional cost or expense Almost all new annuity contracts provide an immediate benefit. Is it income? Is it safety? Is it freedom from market risk? The answer to those questions is yes! Plus more. That’s the nursing home waiver. Annuity contracts have a provision that allows annuity [...]

By |2019-02-16T20:08:13+00:00April 18th, 2017|Annuities|

Top 7 Retirement Planning Mistakes to Avoid 

Retirement decisions can be confusing and complicated. Many people make too many mistakes when it comes to decisions that can affect their important retirement period. Listed below are 7 retirement mistakes, possibly you can avoid them. Searching for jobs later in life:  Many people forgo proper retirement planning thinking they’ll be able to offset retirement [...]

By |2017-10-23T01:43:17+00:00April 12th, 2017|Retirement Planning|

Women Have Greater Retirement Needs

  It's well known that on the average woman lives up to seven years. longer than men. This means that they have a greater need for retirement planning since they will be retired longer, and will need more funds. The problem is that many women, during their prime earning years, bring home 70% of the [...]

By |2017-11-20T23:07:04+00:00April 12th, 2017|Retirement Planning|

Make Sure Your Credit Score Is Accurate or It Could Cost You

Credit bureaus track consumers’ credit history: making sure they pay their bills, aren’t late on those bills and how much debt they carry. There are many credit bureaus but big three are Experian, TransUnion, and Equifax. When you try to borrow money from a lender the lender pulls your credit report from one or more [...]

By |2019-03-20T22:20:32+00:00April 11th, 2017|Financial Planning|

Annuities – Confused? – Keep It Simple!

End your confusion by discovering the benefits annuities provide As I speak with callers to my Safe Money & Income Radio Shows, I hear all sorts of ideas about what annuities are and what they can do. There is a lot of useful information available, but at the same time, there is a lot of [...]

By |2019-02-16T20:39:26+00:00April 11th, 2017|Annuities|