After almost two decades as a financial advisor, there is one lesson I have learned, which I can reveal with completely certainty. People are planning averse. When it comes to individual planning such as financial or estate planning, people have a hard time focusing on goals that are beyond six months. The process can be complex and the decisions required can be numerous. The obstacles are even greater for a business owner. Just mention the term succession planning, and you can see the pain on the owner’s face. To read the rest, Click Here to check out my August MMR column
“There are a thousand hacking at the branches of evil to one who is striking at the root.” Henry David Thoreau Last month, my MMR column focused on education and awareness of identity theft, a crime which has impacted every part of our life. Types of information which have been compromised include: Social Security Number, Credit/Debit card number, Protected Health Information, DMV Records, Financial Accounts, and Email/Password. Source- ITRC 2018. In part 2, I will be sharing best practices for identity theft Prevention, Monitoring and Recovery. Just in time for your summer travel season, a gold mine for thieves. Let’s start with a personal story. To read the rest, Click Here to check out my July MMR column
According to the U.S. Department of Justice, in 2016, a whopping 26 million Americans 16 or older, reported they had been victims of identity theft during the prior 12 months. The good news is 88% had almost no out-of-pocket losses. Still, behind every number is a real person, with a real story, and that’s where we begin. Consider the following true story. A woman receives a bill from a hospital, requesting payment for a surgical procedure which included an amputation of her left foot. The problem…. She never had the surgery, as demonstrated by the fact that both her feet were intact. To read the rest, Click Here to check out my June MMR column
Listening is the musician’s currency. When something interferes with listening, it can be torture, especially for the performing artist. 50 million people in America today have reported ringing in the ear – a definite problem for music listeners and music makers. This ringing is called tinnitus, a medical term for auditory perceptions usually heard in the ear(s), but not produced by external sound. Since tinnitus can be brought on by exposure to loud sounds, it’s no surprise that a disproportionate number of musicians have it. To read the rest, Click Here to check out my May MMR column
What is Identity Theft? Identity theft is the misuse of another person's identifying information. In true identity theft, an identity thief uses another person's Social Security number and other identifying information to fraudulently open new accounts for financial gain. Victims may be unaware of the fraud for an extended period of time, which can allow the criminal to continue the ruse for months or even years. The criminal can use the victim's identity to work, receive medical care and commit other types of fraud. Account-takeover and credit-related fraud are common problems associated with identity theft. The Case of the Disappearing $300,000 Loan. Content published by CyberScout.com For homebuyers, nothing beats the excitement and relief that comes with a home loan approval. So you can imagine the horror when those funds suddenly disappear. John and Nancy Ritter* experienced the trauma of this situation firsthand when a thief used stolen personal information to initiate a fraudulent wire transfer of…
January 24 , 2019- Winter NAMM Idea Center Video: Strategies to Engage and Keep Your Best Employees.