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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What You Need to Know About Recent Social Security Changes

In late October as part of the budget bill, three social security options for claiming benefits were eliminated. These options are file and suspend, restricted applications, and retroactive lump sum payments. The elimination of these options do not affect how Social Security benefits are calculated.

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Are You Kidding? You're Not Thinking About Retirement Yet?

What's your vision of retirement? Freedom to do what you want? Travel? Fishing?

"Retirement" is about having the freedom to control your own life when you get older. It's a time in your life when you shouldn't have to depend on a job to live your life.

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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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Do Fitness Apps and Devices Protect Your Health Information?

Do you have a wearable health or fitness tracker? Do you use health or fitness apps? Are you giving someone a fitness tracker or other gadget this holiday season? If you answered yes to any of these questions, read on.

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Young People and Taxes!

Regardless of what job or career you may have during your life and what country you may live in—the U.S. or abroad—you're going to be paying taxes. In most situations, you may already be paying taxes.

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Don't Get Caught by These Phone Scams!

We lead busy lives. In the hustle and bustle of each day, we use our phones to keep in touch with family and friends, make appointments, gather information, and much more. Scammers hope to take advantage of this to steal our money and/or identity. There are many ways scammers use our phones both old and new.

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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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Received a Chip Card? Here's What You Should Know

Have you received a new credit or debit card recently? Did you notice a metallic chip on the front? These chip cards are replacing cards with only magnetic strips. These cards will help reduce fraud by generating a unique code needed for approval for each transaction. The code is only good for that transaction. Payment information is encrypted in the chip.

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Choosing a Major? Questions to Consider

Throughout life we face choices. But generally, the stakes are higher for the choices you make during and after college. After choosing what college to attend or planning how you'll pay for it, selecting your college major may be the biggest decision you must make.

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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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What You Need to Know About the VW Clean Air Act Violations

On September 18th, the EPA issued a notice of violation of the Clean Air Act to Volkswagen. It alleges and VW has admitted that software installed in certain vehicles circumvents EPA emissions standards for certain air pollutants. Vehicles involved include four-cylinder Volkswagen and Audi diesel cars, model years 2009-2015.

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Do You Know How Your Auto Insurance Rate Is Determined?

Many consumers believe that their driving record is one of the primary factors used to determine the premium for their auto insurance. Unfortunately, that is not true for many people. Consumer Reports conducted a two-year investigation, in which they analyzed more than two-billion car insurance price quotes from more than 700 companies in all general U.S. ZIP codes. They found that auto insurance companies are now using credit scores and other socioeconomic factors more than driving habits to determine premiums.

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Apple Pay/Android Pay (Google Wallet): Mobile Payments on the Rise

First there was Google Wallet. Then came Apple Pay. Now Google is changing its Wallet to become Android Pay.

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  • Remar's Report
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    • Remar Finance


      Want to improve your credit score? Want to cut your tax bills?  Like to tear up hundred dollar bills? (You're probably doing that). How about this:  want to wake up retired and without money?  Your Financial Well-being rules your life.  We put you in charge of the rules.

       

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    • Remar Privacy

      Every worry about identity theft?  Worry about young people and the dangers of the web? Mind if I read your private emails?  Or browse through your medical records? This section takes you into the scary world of privacy and identity theft.  StraightTalk gives you just that (straightTalk) when it comes to identity theft and privacy issues.   

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