Organize Important Papers in Case of Emergency

Help others find key documents and records if you are incapacitated

 Based on content from the NIH/National Institute on Aging AgePage "Getting Your Affairs In Order."

No one ever plans to be sick or disabled.   Yet, planning ahead can make all the difference if you take an unexpected trip to the hospital or suffer a health problem making it hard to remember where you put everything.   Good planning and organization is a gift to those who will help you manage your health and financial affairs if needed.

How Life Changes When You Get Out of Debt: 3 Stories To Spark Your Debt-Free Journey

Andrew Lisa   Wed, June 28, 2023

According to the Money and Mental Health Policy Institute, problem debt is a primary contributor to mental health issues. It destroys relationships, suffocates personal and professional growth, and kills marriages.

Since debt makes future borrowing both necessary and more expensive, it leads to an endless cycle of financial insecurity characterized by perpetual anxiety and stress.

How to Keep Your Money Safe When Online Banking

Ashley Kilroy  Wed, June 28, 2023  SmartAsset

Bank failures and economic turbulence have made bank depositors nervous – but what about banks where you can’t visit a branch or speak to a teller? Can you withdraw your money when needed and protect yourself from risks? While the rise of online banks has given customers increased savings and a higher APY, it also raises questions about accessibility and safety. However, online banks are safe as long as they are insured by the FDIC. Because online banks can get the same coverage as brick-and-mortar banks, their customers aren’t at risk of losing their deposits.

16 Rules That Oprah, Mark Cuban, Beyoncé and Other Millionaires Swear By

Gabrielle Olya   Tue, June 27, 2023

Being a millionaire or billionaire -- especially a self-made one -- usually requires being disciplined about saving and spending, as well as investing wisely. Although the super-rich can splurge on lavish vacations and fancy cars, some eschew a luxurious lifestyle for one that allows them to maintain their wealth over the long term.

So, if you want to live like a millionaire yourself, you'll have to follow the money rules of the wealthy.

Dangerous Android Trojan Targets 600 Banking Apps — And It's Draining Accounts

Anthony Spadafora   Updated Tue, June 27,

Android smartphone owners are once again under attack from the dangerous Anatsa banking trojan which has been updated with new capabilities and can now target even more banking apps.

As reported by BleepingComputer, this new mobile malware campaign has been active since March of this year and so far, banking customers in the U.S., U.K., Germany, Austria and Switzerland have been targeted by Anatsa.

I’m a Millionaire: Why I’m Not Passing Generational Wealth to My Kids

Andrew Lisa   Tue, June 27, 2023

In America, success is largely measured by wealth, and if you earn enough to outlive you, you can pass it on to your kids. But is generational wealth a worthy aspiration?  There’s a growing movement among millionaires and billionaires to give away their fortunes — but not to their children. By ensuring that your kids are born rich, the theory goes, you rob them of the tools they need to succeed independently.

GOBankingRates spoke to a self-made millionaire who adheres to this philosophy, because his ability to succeed was rooted in the fact that no one was going to do it for him. Here’s his take on the issue.

I’m a Financial Advisor: Here’s the First Thing I Tell New Clients To Do

Andrew Lisa   Mon, June 26, 2023

The most universally applicable piece of money advice is to work with someone who gives money advice for a living. Capable and experienced financial advisors often join family doctors and lawyers as the most trusted and indispensable professionals in the lives of the clients they serve.

They guide their clients through debt reduction, estate planning, taxes, investing, entrepreneurial endeavors and the basic day-to-day management of their personal finances. Perhaps most importantly, they cut through the clutter, confusion and conflicts of interest that bombard people every day with misinformation through their phones, laptops and social media feeds.

Jaspreet Singh on the 75/15/10 Rule: This Is How the 1% Manage Their Wealth

Dawn Allcot   Sun, June 25, 2023

Finance YouTuber Jaspreet Singh (of Minority Mindset fame) recently created a popular video describing how the 1% manage their wealth. It all starts with increasing wealth through multiple streams of income.  One thing to keep in mind, however — the key is not so much how much money you earn, but all about how you spend and save.

Singh and other finance experts promote the 75/15/10 rule for budgeting. It’s a simple concept — and as long as you are making enough money to make ends meet, you should be able follow this simple formula.

Financial Goals That Are Easy To Stick To All Year

June 19, 2023 By Cynthia Measom

Setting goals can be a key step in taking control of your finances. Putting a plan in place can help you stay on track and ultimately save more money. But financial goals can be hard to see through, and people often initially stick to their plan only to let those goals slide as time goes by.

To avoid giving up, here’s a tip: Instead of making your financial goals endless and challenging, take them month by month — and try to have some fun with each one. In a year, you may be surprised at what you’ve achieved financially.

I’m About To Retire: Here’s the Money Advice I Wish Someone Had Given Me

Cynthia Measom   Sat, June 24, 2023

Many people view retirement as the day they’ll be able to kiss their job goodbye and live life at a more relaxed pace. However, if you don’t take steps to ensure that your retirement savings and investments are on track with your goals annually, leaving your job behind might come a lot later than you’d like.

Find out what money advice people on the verge of retirement wish someone had given them when they were younger, and see if it makes sense for your situation.