Category: Finances

5 Ways to Prepare Your House to Retain Heat This Winter

Oil and natural gas prices are expected to significantly rise this winter. While you can’t control prices, you can take some measures to conserve heat. Here are five ways to prepare your house to retain heat this winter.

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3 Ways You Can Plan for the Holidays Today

It’s not too early to plan for the holidays, especially this year: disruptions in supply chains could mean that items you were hoping to purchase for gifts could be difficult to come by. Even books are affected because of limited supply of paper and because some popular gift books are printed overseas. This includes coffee table books, children’s picture books, books with fancy paper or covers—in other words, gift-y books. Supply chain issues across industries are predicted to hamper holiday shopping, so if you usually wait until after Thanksgiving to shop, you might be out of luck.

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Your Estate Planning Shouldn’t End When You Write Your Will

You’ve taken care of all your estate planning and have a health care proxy, power of attorney, and executor of your estate. Bravo! However, your estate planning really shouldn’t end when you write your will.

Consider this: what if the unspeakable happens and you are incapacitated or die. Does your health care proxy know how you want to be cared for? Do you want to be kept on life support, and if so, under what circumstances should life support be continued or terminated? Does your power of attorney know where you keep your important papers? Does your executor know where to find your will and, if you have any, trust documents?

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How and Why to Balance Your Checkbook – Even if You Are Not Writing Checks

Most of us aren’t writing many checks these days, but we are still spending money and receiving payments. In the old days, there were only two ways to withdraw funds from your bank account: write a check or hand over a withdrawal slip to a bank teller. You deposited funds in person at the bank. Then with the marvelous innovation of ATMs, it was no longer necessary to go into a bank to withdraw, deposit, or transfer money. Today you can pay bills online through your bank’s website or app, or through apps such as Venmo, Zelle, & CashApp or transfer funds to and from PayPal. Your paycheck is most likely deposited directly via EFT. All this said, how and why do you need to balance your checkbook even if you are not writing checks?

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How to Endure a Layoff with Grace

COVID-19 and the closing of the economy has resulted in a lot of layoffs, temporary and permanent. Being let go from a job because of cutbacks is even harder than being fired. You know you’ve done nothing wrong. You understand why it’s happening, still, you feel that you have done something wrong or that your employer didn’t value you. In case you have fallen victim to the corona virus in the way, here are some do’s and don’ts of how to endure a layoff with grace.

What to Do When a Spouse Dies

Being prepared for whatever life throws at you is so important. This became glaringly so to me recently as a client of mine suddenly lost her husband. One of the first questions she had for me was what to do when a spouse dies. Isn’t there a checklist? As a result, I hope this will help any of you who may need this or at least prove to be a source of help to which to refer.

How to Buy Big Ticket Items

While I’m sure that the first thought on your minds in the age of COVID-19 is not making big ticket purchases, the economy is bound to get better, and life will go on. You may, indeed, be thinking of such because of spending so much more time at home, so …. consider the following in between Zoom classes and Skype meetings and what not. To assist you here are ways to help you decide how to buy big ticket items.

Get Organized for the IRS by Gathering Your Tax Return Information Early

Just like every other aspect of your life, “doing your taxes” can be vastly improved by a bit of planning and organization. The best time to get organized for the IRS is BEFORE tax documents start landing in your mailbox, or online accounts. Spending 15 minutes the first week of February will save you time when it comes to meeting with your tax preparer, certified public accountant, or sitting down with TurboTax. It will also help avoid potential refund delays or IRS penalties if you end up owing this year. Here are some tried and true tips on getting organized for the IRS.

Grocery Shopping and Delivery Services

Have you explored the use of grocery shopping and delivery services yet? How do you get the best value from services like Instacart, Amazon Subscribe and Save, Prime Pantry, Peapod, and other grocery shopping services?

Organize Yourself For A Fantastic Wedding

You’ve just gotten engaged. Now the fun part begins! Planning your big day. By this time next year, you and your fiancé will either be exhausted or ready to elope to Vegas. Here’s how to organize yourself for a fantastic wedding from that first “Yes” to ensure your day is all you – not your mother, grandmother, mother-in-law, the man on the moon – want it to be.

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