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Being Smart About Apps

Being Smart About Apps

Smartphones and mobile apps are very much on the upswing, which is changing how we use, share and store information. As of May of this year it was reported that smartphone owners use more than 30 apps in a month, roughly one-third to one-half of the apps they have installed on their phones. And using those apps has become a daily habit. People now open or launch an average of nine apps each day.
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A Legacy Plan for Your Pets

A Legacy Plan for Your Pets

Since our pets have shorter life spans, we don’t typically think about outliving them. But it does happen. It is estimated that between five and seven million companion animals end up in animal shelters due to the death of their owners. For some pets, they are lucky to be surrendered to a no-kill shelter and will live out the rest of their lives with good care. Unfortunately, another nearly three to four million of them end up being euthanized (60 percent of dogs; 70 percent of cats) when new homes can’t be found.
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Legacy Planning in an Election Year

Legacy Planning in an Election Year

Election year is officially under way and with it comes the slew of campaign ads, increasingly tense debates – both on television and on Facebook – and the knowledge that before year’s end, all of us will have to cast our votes. Regardless of your positions on the issues at hand, one thing is certain and that’s change.
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Respecting Caregivers

Respecting Caregivers

I have always had respect for caregivers. It is a difficult responsibility, requiring a great deal of sacrifice and dedication. Not surprisingly, it can also result in a lot of stress and, in many cases, financial as well as physical strain that can impact the caregiver’s own well-being. A recent study by the National Alliance for Caregiving and AARP showed me some of the numbers and really opened my eyes to how extensive the issue of caregiving actually is.
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Check Your Beneficiary Designations

Check Your Beneficiary Designations

I regularly urge readers to organize their estates and I’ve talked at length about including all assets in that planning, so I would be remiss not to mention an important piece of estate organization advice. Make a habit of periodically checking the beneficiary designations on your life insurance policies – as well as other financial accounts for which you may have beneficiaries. The reason for this is that these designations bypass your will. That means that the proceeds of the insurance are not controlled by your will but rather the beneficiary designation listed on your policy.
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