Remar's Report

Documents You Need to Manage Life’s Events

September 2016

Life can be unpredictable and trying to manage both the expected and the unexpected can be difficult. Planning ahead, however, can help you and your family cope with the unexpected, while also managing the expected. Every adult, no matter their age, should make the effort to plan. By having the following documents in order, you can ensure that your wishes are carried out and help avoid family confusion or conflict.

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Working to Pay Down Debt? Avoid Debt Relief Scams and Bad "Services"

August 2016

Millions of Americans owe thousands of dollars on credit cards, student loans, medical bills and other unsecured loans or bills. Many are struggling every month to make minimum payments on what they owe. Even people who are managing their payments would love to pay less. Such circumstances make consumers with debt easy targets for debt relief and debt consolidation scams and schemes.

It’s important that you protect yourself from phony or ineffective debt relief or consolidation schemes that may cost you more money and ultimately increase your debt. These scams often open you up to identity theft, and generally dump you in financial "hot water." Here are some major red flags that we have identified from scammers to help you protect yourself.

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Renting a Car on Vacation: Understanding What Insurance You Need

July 2016

Renting a vehicle is common among vacationers, especially those enjoying a "destination vacation." When renting a vehicle, it’s important to understand your insurance options so you can determine which option provides the best coverage for your rental. Ask yourself: should I take the coverage offered by the rental company or will coverage provided by my personal auto insurance policy and the credit card used to rent the car be adequate?

Finding the best insurance coverage for the vehicle you rent depends on the answers to several important questions. In most cases, the coverage provided by your personal auto insurance policy and credit card will be both excellent and least expensive. But in other cases, the coverage provided by the rental agency may be your best choice, even though it may cost more.

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Avoid 8 Summer Scams Targeting Your Wallet

June 2016

Warmer days bring thoughts of relaxing summer activities, vacation, and plans for completing home maintenance and repairs. Unfortunately, this is also a prime time for scammers as they target your summer activities to steal your hard-earned money. \It is important to watch out for these wide-spread cons and take steps to protect yourself. This article will help you do that.

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Saving for Retirement? Comparing Traditional and Roth IRAs

May 2016

Individual retirement accounts (IRAs) are popular tax-advantaged vehicles for saving for retirement. Understanding the different types of IRAs and the differences between them is important when you begin saving for retirement. Although there are 11 different types of IRAs, the most common are the traditional IRA and the Roth IRA.

The major difference between the traditional and Roth IRA is the nature of the tax advantage. The contributions to a traditional IRA are deductible from the investor’s taxable income in the year of the contribution. Tax on the contributions and the account holder’s earnings is then deferred until funds are withdrawn from the IRA. In contrast, contributions to a Roth IRA are not deductible, but the contributions grow tax-free and are tax-exempt when withdrawn.

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Buying a Car with Bad Credit

April 2016

Is your credit score keeping you from getting a new vehicle? Having bad credit brings concerns of whether or not you can afford a reliable vehicle, get a loan at a reasonable rate, and avoid pressure from lenders. Though these concerns are realistic, it is important to know that most people in this situation are able to find a reliable vehicle and a loan that doesn’t break the bank. To do this though, you have to do your homework to understand the right steps to take. This report will show you those steps and will help you understand what you need to know to get the vehicle you need.

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