Remar's Report

Vacation Travel Tips and Traps

June 2014

Memorial Day has slipped past on the calendar. The great summer vacation season is upon us. Whether you plan to vacation as a family, a couple, a group of friends, or individually, these vacation travel tips can help you get the most value for your money and avoid popular travel traps and scams.

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The Heartbleed Bug Won’t Be the Last! Stay Safe Online

May 2014

In recent weeks, the Heartbleed security bug has been the headline of hundreds of news stories. Not only were user names, passwords, and other personal information potentially exposed, but there was little consumers could do because the vulnerability was in the security software that many website servers used. Once the bug was identified, the majority of endangered websites rushed to patch the problem.

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How to Pay Less Tax Legally and Boost Your Savings

April 2014

Everyone who pays income taxes would like to pay as little as legally possible. Most of us would also like to save more. In 2014, why not use some of the tax deductions and credits that you qualify for to help lower your tax bill? Then use the money you’ve freed up to maximize your savings. The IRS and tax experts note that many people who qualify for the deductions and credits identified in this report fail to take them. A tax credit directly reduces the amount of tax you have to pay. A deduction reduces the amount of income that is subject to tax and therefore usually reduces the taxes you pay. Talk with your tax professional to learn whether any of the strategies described here may be appropriate for your specific situation in 2014.

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Are You Alert to New Financial Scams Targeting Older Americans?

Knowing These Basics Can Help Protect Your Family

March 2014

Did you know that older adults in the U.S. are now the favorite target of financial scams? In 2012, people 60 and older made up 26% of all fraud complaints tracked by the Federal Trade Commission (FTC), the highest of any age group. That figure’s up from 10% in 2008, when it was the lowest of any adult age group. Also note that these statistics represent only the reported cases. The FTC estimates that no more than 10% of these scams are reported. Because about 10,000 boomers turn 65 each day, the popularity of these scams will only grow.

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Start an Emergency Fund or Pay Down Credit Card Debt

Which Should You Do First?

February 2014

This question is familiar to most consumers. It typically occurs each month when the credit card statements arrive. According to TransUnion, the average credit card holder owes just over $5000. And credit cards have relatively high interest rates, with current rates ranging from about 13% to 15.4% APR, according to Bankrate.com. So it would save money to pay this debt down as fast as possible, right? Wouldn't that be more important than saving a small "rainy day" or emergency fund? Not necessarily. Here’s why.

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Don’t Like Being Tracked Online? Here’s What You Can Do About It.

January 2014

I’m sure you’ve heard about businesses and advertising networks tracking our online activities. Why do they do it? Primarily, the trackers want to sell you goods and services or they want to sell your name to a third party that will target you with ads and offers. Like me, you may feel that such relentless tracking and information collection invades your privacy. Until recently, there was little you could do to stop or at least reduce such tracking. Now, a "Do Not Track" option may provide you with some ability to control this practice. This report provides more information tracking and about what you can do to avoid it.

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