The inflation rate did go down last month, but we are still experiencing rising prices, more than we have dealt with for decades. So, these can be challenging times for those who use their credit cards. Telling people not to use credit cards is unrealistic. Most in-store shopping is done…
Thieves are not stupid. They are clever scoundrels who want your financial records, your cash, or both. They can be ingenious little devils. One trick a thief will use involves the U.S. Post Office. A blue postal drop box is designed to receive a lot of mail and it is…
Some excitement has been generated by the recent decision of the Biden Administration to cancel billions of dollars in college debt. People are hoping that the government will make the final big decision to cancel all the debt held by college graduates. It sounds like a great possibility, but we…
Many organizations offer a retirement planning benefit. It is a good idea, and older employees appreciate having it. A comprehensive retirement program is the best way to go. A quality plus retirement planning benefit would include living wills. No one enjoys thinking about death, but a final illness or terminal…
Medical costs scare people. They might be small prescriptions or extensive therapy sessions; either can cause anxiety. Anyone over 50 years knows the cost of staying healthy can be steep. Be a Proactive Consumer Folks often feel resigned to paying hefty sums and instinctively reach for their credit cards to…
Consumer protection is a government service that covers more than faulty products. Misleading advertising, unfair pricing, and vague refund policies are also covered. It is all intended to safeguard a consumer from unethical practices. It is a great benefit, but consumer protection can be confusing. The Basics of Consumer Protection…
There are many anxious moments in money management. People understand the importance of being responsible, but unexpected emergencies happen. These hit a person’s budget like a tidal wave and create stress. The challenge is not knowing what to do. Adults can manage ordinary expenses, but medical treatment is expensive, and…
Young employees ordinarily are not too interested in writing a will. That is something for older folks to do and those in their twenties feel they have a lot of living ahead of them. We understand that, but we must remind people that while they may be young, they may…
Bankruptcy is not always caused by reckless spending. There are situations when credit card abuse does not play a part in a person’s downfall. It can take a significant bill or a series of major expenses to cause a collapse. The Price of Healing Medical bills are a major…
There needs to be more to an employee benefit than a statement of good intentions. There must be a noticeable quality to whatever service is provided to employees, or else the time, money, and effort expended on the benefit are wasted. The vendor must provide how superior quality is…