It might not be on your calendar, but Aug. 14 is Social Security Day. Since it was enacted on Aug. 14, 1935, Social Security has provided some financial support for millions of Americans during their retirement years. While Social Security benefits, by themselves, probably aren’t enough to enable you to retire comfortably, they can be a key part of your overall retirement income strategy – if you use them wisely. To help you make decisions about Social Security, you will need to answer these … [Read more...]
How to Raise Our Children to Become Philanthropists
Part one of a two part series This column is offered in honor of Black Philanthropy Month. We are forever pushing our children to become entrepreneurs, to start and run their own businesses. We encourage this because we believe it is good for our children as individuals, and good for the Black community. Entrepreneurism is all about becoming financially independent, and building wealth and assets. What we don’t always remember is the value of teaching our children to be philanthropists. … [Read more...]
Another 100 million consumers at Risk From Capital One Bank Data Breach
Largest bank breach affects 140,000 Social Security numbers, 80,000 bank accounts A second major disclosure of major consumer data breach was announced on July 29 by Capital One Bank. That same day, the FBI arrested a suspect was charged with stealing the personal information on March 22 and 23. The apparent focus of the financial theft was credit card applications filed with the bank between 2005-2019. Those most vulnerable are two types of consumers: small businesses whose company credit … [Read more...]
Ask Yourself 3 Questions To Help Find A Financial Advisor You Can Trust
When it comes to financial planning, most Americans take a do-it-yourself approach. In fact, various surveys and studies over the years have shown that anywhere from 60 to 70 percent or more don’t have a fi nancial advisor. But does that mean the remaining minority who do hire someone are more confi dent about what the future holds for them financially? Maybe. But maybe not. Most of those people say they don’t completely trust that their advisor is always acting in their best interests, … [Read more...]
“The Law of Relatives”
The State of California has laws that determine what happens to your worldly goods if you pass away without having made plans for their distribution. The important factor in determining who inherits the property is the legal relationship between the deceased person and his or her survivors. If the deceased person was married and leaves behind a surviving spouse, the surviving spouse will inherit all of the community property. If the deceased person had non-community property (“separate” … [Read more...]
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