stainless steel countertop

The Right Kitchen Counter Tops

Choosing the right countertop can be a difficult task.  Arguably it’s one of the most important and eye-catching aspects of your kitchen. Your countertops need to be right.

Designing the kitchen of your dreams is an exciting task. From paint colors to appliances and cabinets to countertops, there’s so much that goes into kitchen design. The smaller design elements like wall colors and backsplashes are easier to choose, as you don’t have to take durability in consideration when making your choices.

Choosing the right countertop can be a more difficult task. Arguably one of the most important and eye-catching …

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retirement plan

Don’t Retire Without a Plan

Are you prepared for a 30- or 40-year retirement? Whether or not you choose to work with a financial professional, it is imperative that you retire with a plan.

The Social Security Administration estimates that the average 65-year-old woman today will live to age 86 and a 65-year old man today will live to age 84.

Are you prepared for a 20-year retirement? How about a 30- or 40-year retirement? It could happen!

About 25% of today’s 65-year-olds will live past 90, with approximately 10% living to be older than 95, according to Social Security Administration projections.

For generations …

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stealing your identity

Identity Thieves Preying on Elderly

Thieves need only take what won’t be noticed right away. They might not even take anything at all. A camera is all they need to capture any important info.

It used to be that thieves were after your money. Today’s miscreants are after something more. They’re knocking on the door or calling on the phone. They’re trying to get in your email and even going through your trash.

What are they looking for?

Your identity. Your birthday, your name, your social security number, anything associated with you. It’s a very unsettling thought. However, you don’t need to be afraid, …

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false credit alert

False Credit Alarm!

Erroneous fraud alerts are on the rise.  However, banks are now less likely to completely block transactions at the point of sale thanks to real-time tech features.

By: Jennifer Liu

Frequently purchase with plastic?

Then you might have noticed that your bank has become a little trigger happy when it comes to credit fraud alerts lately.

And thanks to the recent uptick in financial data breaches, you can start expecting them more often.

According to a recent survey from, four in 10 Americans have had a transaction blocked or questioned by their card company—and of these alerts, …

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predict data

The Power to Predict

Predictive Analytics: The power to predict who will click, buy, lie, or die. The computer literally learns from data how to predict the future behavior of individuals.

By: Eric Siegel

You have been predicted — by companies, governments, law enforcement, hospitals, and universities. Their computers say, “I knew you were going to do that!” These institutions are seizing upon the power to predict whether you’re going to click, buy, lie, or die.

Why? For good reason: predicting human behavior combats financial risk, fortifies healthcare, conquers spam, toughens crime fighting, and boosts sales.

How? Prediction is powered by the world’s …

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Identity Theft

Signs of Identity Theft

A few days ago Anthem notified its members that it was the target of a sophisticated external cyber attack. Although the company states that based on what they know now, there is no evidence that credit card or medical information were targeted or compromised.

In light of this news, we recommend that everyone, not only Anthem members learn how to protect themselves from identity thieves.

If you suspect that someone is misusing your personal information, acting quickly is the best way to limit the damage. Setting things straight involves some work.

How Do Thieves Get Your Information?
“I thought I …

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CES Las Vegas

2015 CES International Highlights

Although, there were many interesting exhibits at the 2015 CES, I visited only areas that might interest baby-boomer women.

From the many interesting exhibits at the 2015 CES, I selected the following products for my review:


If you use earphones to listen to music or podcasts while on the move, this product will interest you. I tested them and was surprised to learn that I could hold a normal conversation with the representative while listening to music. The design is different in that they don’t actually fit into the ear canal but conform to your ears and sit …

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Protect Your Personal Information

Look for privacy statements on websites, sales materials, and forms you fill out. If a website claims to follow a set of established voluntary standards, read the standards.

Today, it’s quick and easy to get a credit card approved, transfer money from one account to another, renew your driver’s license, fill a prescription from your doctor at your local pharmacy, use store loyalty cards, and purchase products online. But you pay for this convenience by providing more opportunities for your personal information to be changed, stolen, or reported inaccurately. Companies can also use the information you have shared to …

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reverse mortgages for seniors

Reverse Mortgages for Seniors

You can complete an application for reverse mortgages by contacting an FHA-approved lender, if you meet the borrower and property eligibility requirements .

Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to supplement their income. The only reverse mortgage insured by the U.S. Federal Government is called a Home Equity Conversion Mortgage or HECM, and is only available through an FHA approved lender.

If you are a homeowner age 62 or older and have paid off your mortgage or paid down a considerable amount, and are currently living in the home, …

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long term care home

Long Term Care

Just beginning to think about long term care? Protect your family and make your decisions known to them. Long term care is more than just insurance.

Many people think the phrase “long term-care” refers to an insurance policy. While insurance may be part of your strategy, long term care encompasses everything from long term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.

Long term care is a range of services and supports you may need to meet your personal care needs. …

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shopping online

Too Nervous to Shop Online?

The biggest concern for all online shoppers is entering credit card information on the seller’s web page. Follow these tips and minimize your risk.

By: Natasha Morgan

If you’re a shopper who enjoys going to a store, searching for items and talking to sales people, then making purchases online would not appeal to you. However, if you’re like many of us who finds shopping tiresome, the internet could save you time, energy and maybe even money.

Secure Online Shopping
The biggest concern for all online shoppers is entering credit card information on the seller’s web page. Naturally, this should …

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credit cards

How to Shop Online Securely

The temporary credit card for online shopping works just like your regular card and the merchant will never know that it’s not your real card.

By: Natasha Morgan

If you’re like most of us, you cringe when you enter your credit card information for online purchases. After all, how do we know that the merchant is honest?

Truth be told, we don’t. There are so many scams circulating the internet and many of the shysters are technically clever. They can set up websites that resemble those of name brand names and add security logos that are meant to make …

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financial documents

Become Financially Organized

Women who take care of their family schedule, hold a part-time job or run a home-based business, are particularly at risk for losing track of their finances.

By: Rosette Summer

Whether you are retired, a stay-at-home mom or managing a career, becoming financially organized is important to you. Women who take care of their family schedule, hold a part-time job or run a home-based business at the same time, are particularly at risk for losing track of their finances.

According to the US consensus, 5.4 million women are stay-at-home moms. Their 24-hour work schedule often leaves them too fatigued …

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junk mail

You Can Reduce Unwanted Mail

Sending mail that looks like it is from a government agency when it is not, is illegal. With one exception, sending mail that looks like a bill is also illegal.

What can you do about the growing pile of unwanted mail in your mailbox and unwelcome telemarketers on your phone? Actually there’s a lot you can do.

* Tell companies you do business with to remove your name from customer lists they rent or sell to others. Look for information on how to opt out of marketing lists on sales materials, order forms and websites.

* Utilize the services …

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