[See our Disclaimers page about relying on this website’s contents.] All of our ancestors conducted business by paying with cash. When we were younger, our parents told us that it was irresponsible to live without carrying substantial amounts of cash. Those beliefs may have been valid in the past, but doing business without keeping a […]

[See our Disclaimers page about relying on this website’s contents.] The “holiday” retail season has expanded beyond December into Black Friday, Cyber Monday, and pre-Thanksgiving sales. We could complain about Christmas commercialization and mourn the loss of Christmas past, but holiday sale jingles would drown out those objections. So what are we to do about […]

[See our Disclaimers page about relying on this website’s contents.] Financial experts often say that if you die without a last will and testament, the state will decide who gets your assets. That statement is true if you die owning assets without joint owners and without naming beneficiaries of bank accounts, insurance policies, retirement plans, […]

[See our Disclaimers page about relying on this website’s contents.] As our local schools reopen consider this wish list: new band instruments and industrial arts resources for our schools; new audio equipment and nursery facilities for local church congregations; enhanced pediatric resources for our hospitals; and improved family recreation resources in our parks. Your local […]

[See our Disclaimers page about relying on this website’s contents.] We think about gift-giving during the holidays, but many people miss  opportunities to give taxable dollars to their favorite tax-exempt churches, colleges, and poverty relief organizations. An entire segment to estate planning is dedicated to the process of helping people give money to charities and […]