Dear Vicki

Dear Vicki Tightening our belts My husband and I both took early retirement. Perhaps we retired too early because we now need to tighten our financial belts. Our investments haven’t done as well as we hoped and our house is not worth the amount we anticipated. I feel stressed about our change in circumstances and […]

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Long Term Care Planning

Chart Your Course:  A Guide Long-Term Care Planning  This column presents general information regarding estate and disability planning and probate. It is not intended to create an attorney-client relationship or constitute legal advice to readers. Individuals with legal concerns should consult with an attorney for advice regarding their specific circumstance.  By Jessica L. Estes With […]

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The Difference Between a Will and a Trust

Chart Your Course:  A Legal Navigation Guide The Differences between a Will and a Trust This column presents general information regarding estate and disability planning and probate. It is not intended to create an attorney-client relationship or constitute legal advice to readers. Individuals with legal concerns should consult with an attorney for advice regarding their […]

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Hidden Treasures: What’s in Your Attic?

Hidden Treasures: What’s in Your Attic? By Kathryn Marchi Giving money to charitable organizations or seldom-used items to thrift shops seems to have become a part of the American culture. It is our way of giving to those less fortunate. These donations of clothing and household goods seem to be accentuated for many of us […]

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Estate Planning: Why It’s Important

Estate Planning: Why It’s Important By Margo Cook Many of us spend nearly all of our lives working, saving and accumulating, yet we may spend hardly any time planning what should happen to those hard-earned assets after we die. In fact, we probably spend more time deciding what color to paint the house than who […]

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Charitable Remainder Trusts

A Legal Navigation Guide Charitable Remainder Trusts  By Jessica L. Estes With the holidays fast-approaching, things can get quite hectic: family gatherings, holiday decorating and shopping for that unique, but perfect gift for each of your loved ones. This year, as you make your list and check it twice, you may want to consider a […]

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Should a 529 Plan be a Part of Your Estate Plan?

Chart Your Course:  A Legal Navigation Guide Should a 529 Plan be a Part of Your Estate Plan? By Jessica L. Estes Autumn is my favorite time of year. For me, it represents a new beginning. Trees lose their leaves to make way for new growth, gardeners plant their bulbs for next year’s blooms, and […]

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Financial Late Bloomer?

Financial Late Bloomer? There’s Always Time to Cultivate a Retirement Plan By Pamela Monetti           Will I have enough money to retire?  If you are 50 or over and have asked that question, you are not alone.  Many people invest for retirement by determining how much they are willing to save, rather than how much […]

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Tax Planning 2013

Tax Planning 2013 As the federal budget debate continues, uncertainty will continue to surround tax policy. This article highlights changes in the law affecting tax year 2013 to help you with tax planning strategies. The new law permanently extends Bush era tax cuts for most taxpayers, starting in 2013. Tax increases for certain taxpayers:  Tax […]

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Saving Money on Your Health Care: Getting Your Insurance Plan to Pay

Saving Money on Your Health Care:  Getting Your Insurance Plan to Pay By Peggy Owens “To be or not to be, that is the question.”  Shakespeare was not talking about health care or health insurance reform.  But he might have been.  As I am writing this in early fall, we have no idea where the […]

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Optimizing Income:The Insurance Industry’s Best Kept Secret

Retirement Income Planning Optimizing Income: The Insurance Industry’s Best Kept Secret By David E. Wirsing  We’ve all heard about the baby boomer generation and while some might be growing weary of hearing more, the compelling fact is that they amount to almost 80 million people.  This significant block of individuals represent almost 30 percent of […]

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Keeping Your Bank Account Safe from Fraud

    Keeping Your Bank Account Safe from Fraud By Wayne Zussman           The National Center on Elder Abuse says financial exploitation of seniors is an increasing problem, including cases in which money is stolen directly from a senior’s bank account. The research company Gartner Inc. estimates that two million people in the United States […]

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Benefits Go Unclaimed

Benefits Go Unclaimed Hundreds of local, state and federal programs offer benefits to seniors. Most people are familiar with Medicare, Medicaid and Social Security, but what about smaller, lesser known, but no less valuable benefits?  Many seniors could take advantage of such opportunities, if only they were aware that these programs existed. Where to Start? […]

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Making a Difference for Women and Families in Anne Arundel County

Making a Difference for Women and Families in Anne Arundel County By Julie Crudele Anne Arundel Women Giving Together Anne Arundel Women Giving Together (AAWGT) began in 2005 when a small group of local women who believed that substantial change can be achieved in small financial increments, came together to make a difference in the […]

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FIRST STEP TO STARTING YOUR OWN BUSINESS:DISCOVER YOUR PASSION

FIRST STEP TO STARTING YOUR OWN BUSINESS: DISCOVER YOUR PASSION By Louise Whiteside You’ve been retired for a year. Eighteen holes of golf, breakfast with the guys, or lunch with the girls is becoming humdrum. You think there must be something more exciting in life. Maybe you’re working at a job that’s less than inspiring. […]

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Passing on the Special Gift of Giving!

Passing on the Special Gift of Giving! by Tricia Herban One of my Best Way To Get Over A Ex Boyfriend childhood memories is the time when I was standing next to my Dad’s desk while he was writing checks. He had papers everywhere and I had no idea what he was doing. It looked as […]

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Benefits Go Unclaimed

Benefits Go Unclaimed By Wayne Zussman and Karen Baer  Hundreds of local, state and federal programs offer benefits to seniors. Most people are familiar with Medicare, Medicaid and Social Security, but what about smaller, lesser known, but no less valuable benefits?  Many seniors could take advantage of such opportunities, if only they were aware that […]

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Guardianships

Guardianships By Albert Northrop Help me out here. I know I’ve been writing articles for this publication for a few months now, but I can’t seem to recall what they were about. It seems to me that I was writing about things that have to do with estate and money concerns as we get older. […]

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Try Charitable Strategies of the Wealthy

TRY CHARITABLE STRATEGIES OF THE WEALTHY By Wayne B. Zussman           Warren Buffett, along with Bill and Melinda Gates, have challenged the nation’s billionaires to give away at least half their net worth. To date, the Gates have given $14.5 billion to fund vaccines. Along with Warren Buffett, who says he will donate 99 percent […]

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How to Combat and Reduce Medical Debt

How to Combat and Reduce Medical Debt By Wayne B. Zussman      Medical debt is the most common form of debt affecting seniors, according to Financial Web’s article on Personal Debt for Seniors. With financial demands including limited “retirement income, rising health care costs and the expense of long-term housing,” seniors are finding it challenging […]

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