What is authentication? Authentication is the process or action of verifying the identity of a user or process. 5 Common Authentication Types Password-based authentication. Passwords are the most common methods of authentication Multi-factor authentication...
read moreWhen it comes to “surprise” expenses, the first thought may be a car breaking down, or a sudden medical emergency. However, these aren’t the only expenses that can balloon out of control quickly. There are many unknowns in life, and not everyone ends up with the same...
read moreFor investors, election years should be much like any other year. However, there is sometimes a temptation to try to discern how the political winds may affect investment outcomes. The temptation becomes pronounced in presidential election years, and there is a risk...
read moreDo you ever wonder where your money goes each month? Does it seem challenging to get ahead? If so, establishing a budget can help keep track of how you spend your money and help you reach your financial goals. Examine your financial goals Before you establish a...
read moreWhen housing prices are high, inventory is low and interest rates are double what they were three years ago, it’s easy to understand why would-be buyers are hesitant to get a new mortgage. The good news is that obtaining an affordable mortgage isn’t out of reach....
read moreWhen it comes to retirement, one of the most common regrets expressed by the recently retired in surveys is not having saved enough. Another regret is spending too much too soon. Although it’s not surprising that some wish they were paid more and were able to save...
read moreFraud continues to be a prominent issue impacting consumers, businesses and financial institutions. According to the Federal Trade Commission, consumers reported losing $10 billion to scams in 2023. That’s $1 billion more than 2022 and the highest ever reported in...
read moreAlthough most people recognize the importance of sound retirement planning, they don’t always embrace the work involved. With many investment possibilities, complex rules governing retirement plans, and the unpredictable future of consumer prices, it can be...
read moreWe want to help protect your time and money from fraud. Here are a few tips to help you know how to spot a suspicious request for info from a potential fraudster. Know what we will never do: Ask you to provide your personal info via a text message or an unsecure...
read moreIt’s a fact: People today are living longer. Although that’s good news, the odds of requiring some sort of long-term care increase as you get older. As the costs of home care, nursing homes, and assisted living escalate, you probably wonder how...
read moreThe recent economic environment has put pressure on the real estate and mortgage industries, with a downturn in inventory and an increase in interest rates. We know it’s a normal part of an ever-changing business cycle. And we know that, ultimately, the pendulum will...
read more“Tax efficient” investing means taking steps to minimize losses to taxes in an investment portfolio. However, taxes should not be the primary reason to buy, hold, or sell an investment. Afterall, paying more taxes on an investment that grows substantially can mean...
read moreMany women are working and taking charge of their own retirement planning. What does retirement mean to you? Do you dream of traveling? Pursuing a hobby? Volunteering your time, or starting a new career or business? Simply enjoying more time with your grandchildren?...
read moreWith the rise in work-from-home employment roles, there has been an uptick in job scams. These jobs will be advertised in the same way real ones are. They are prevalent on social media platforms and legitimate job sites. The goal of these fraudsters is to get...
read moreThe earlier you make your IRA contributions, the longer they will grow. So, under that theory, you should have made your IRA contributions for tax year 2023 at the beginning of 2023. However, not everyone has the luxury of having the money ready to invest right away....
read moreThe COVID-19 pandemic changed the way many Americans shop, with online purchasing in the U.S. increasing steadily. More online shopping means more package deliveries for consumers. With the increase in deliveries, the FCC has received more and more complaints about...
read moreI had the fortunate opportunity to begin my career when interest rates were hovering at 12% and there was a regional economic recession. In all the years since then, I’ve learned that the economic pendulum swings back and forth and will eventually correct to...
read moreAccording to the Investment Company Institute’s 2023 handbook, as of the beginning of 2023, some $33.6 trillion worth of assets had been earmarked for retirement. That seems like a mind-boggling amount of assets. However, running out of money in retirement is the...
read moreThe tax deferral accorded to IRAs and qualified retirement plans has helped to push total retirement resources in the USA to $33.6 trillion at the end of 2022 (Investment Company Institute 2023 Fact Book). Eventually, tax deferral must come to an end. The mechanism...
read moreAs a new year quickly approaches, it is important to put tools in place to manage and grow your business effectively. Cash flow can be limited when you are starting a business or managing daily expenses. A business credit card provides you with a line of credit for...
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