Remar's Report

It's Time to Check Your Social Security Statement Online

March 2016

According to the Social Security Administration (SSA), checking your Social Security statement annually is something all working adults should do. An annual review allows you to check the accuracy of your earnings recorded for the previous year and gives you the opportunity to correct any mistakes that may have been recorded on your statement. Each statement also estimates the monthly Social Security payment you can expect in retirement based upon your current average earnings and planned retirement age. Having access to these various estimates can help you with your retirement planning. With all of this information at your fingertips, it makes sense to start checking your annual Social Security statement early in your working career, rather than waiting until you near retirement. If you don’t check your Social Security statement regularly, now is a good time to start!

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Why Do Scams Continue to Work?

February 2016

Scams have been around for generations. Scammers are all around us, using various different methods, with the same goal – to steal other people’s money. Scams are continually evolving, as scammers continuously come up with new ways to "deceive and thieve." Even though each new variety of scam brings in widely publicized warnings and descriptions, people still fall for them. Scammers are master manipulators and know how to use several basic strategies to trigger your emotions and trick you into taking quick action. No matter the scam, knowing these basic strategies can help you do a better job of recognizing any scam, whether it arrives by email, text, phone, snail mail, or in person.

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Make the Most of Your Financial Resolutions for 2016

January 2016

What are your financial resolutions for 2016? A recent survey from Fidelity, found that most people want to save more, spend less, and pay down debt. These are great financial goals, but making them a reality is not so easy. Why? First, the goals are vague–without a plan that has specific action steps, the goals will remain as just nice ideas. Second, achieving the goal of saving more requires most people to spend less and reduce debt. Thus, an effective plan must address all three goals in concrete ways. Here are some tips to help you get started.

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Seven Tips for Getting Better Customer Service

December 2015

Dealing with customer service for products and services is a fact of life. A recent Consumer Reports survey found that 88% of survey participants had dealt with customer service at least once during the year. Of the participants, a majority indicated that dealing with customer service is a time-consuming and frustrating process.

The need for customer service range from repair requests for utilities, services, and products, to help with troubleshooting new devices, to correction of faulty bills. The holiday season also brings gifts of new toys and products that increase the need for customer service.

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November's Time to Consider Health Plan Re-Enrollments & Savings for 2016

November 2015

Each year, November marks the midpoint to enroll, re-enroll, or make changes to your health-care plans for the coming year. These plans include health insurance provided by your employer, health insurance you buy individually on the Health Insurance Marketplace (state or national), Medicare, and various tax-advantaged health savings plans. It is importanta to take time now to consider what you and your family need for 2016. By doint this, it can help you get the best coverage and benefits, while saving money where possible.

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When You Give—Stay Alert for Crowdsourcing Scams

October 2015

In recent years, crowdfunding (also sometimes referred to as crowdsourcing) has become a popular way to raise money for a variety of creative projects, new business ventures, and charitable causes. In crowdfunding, individuals or businesses typically use an online platform to seek small sums of money from a large number of people. Larger crowdfunding platforms include Kickstarter, GoFundMe, Indiegogo, and RocketHub. However, there are hundreds of platforms online, many of which are very small.

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