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Vehicle Accident

N is for do you NEED Gap Insurance?

  What is Gap Insurance and why would you NEED to purchase this insurance? GAP insurance generally covers the difference between what your car is worth and what you still owe the finance company, should you experience a total loss of your vehicle due to an accident or theft. GAP insurance is necessary when leasing […]

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U is for Utilizing the Global Entry Program.

  If you travel regularly – then looking into the Global Entry Program is definitely worth investigating.  The Global Entry is a U.S. Customs and border Protection (CBC) program that allows expedited clearance for pre-approved, low-risk travelers upon arrival in the United States. This program was intended for frequent international travelers, yet there is no […]

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Financial Confidence a Chief Concern for Women.

August 2011 “Making a positive impact on as many lives as I can.” Please contact me if you have friends and family who would enjoy receiving this newsletter! Ann Zuraw, CFP®, CFA®, CDFA®     YOUR FINANCIAL FUTURE Your Guide to Life Planning Financial Confidence a Chief Concern for Women Women seem to be of […]

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G is for Getting Ready for Tax Season when Jobless

G is for Getting Ready for Tax Season if You are Job-Hunting.

    This year has been a difficult year for a lot of people. If you are one of the many who became unemployed or had to move out of town to find a job, you may qualify for additional deductions for the year as long as your job search remains within your current field. […]

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d is for getting a better deal on cable

D is for Getting a Better Deal on Cable.

Our economy today simply doesn’t allow us to spend frivolously on expenses. So how do we negotiate a cable bill when we continue to experience its steady rise in cost? One remedy would be phone negotiations: Step 1 – be prepared to negotiated with you cable company. In most cases they will work with you. […]

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Annoying Credit Card Fees

A is for Annoying Bank Fees and How to Avoid Them.

Has your banking institution hiked monthly fees, increased the minimum balance requirement and taken away your rewards programs? Below are some tips to help avoid unnecessary fees when possible: Monthly maintenance fee – many banks charge monthly fees on checking accounts that are not maintaining a minimum daily balance. This balance varies from bank to […]

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V is for Vacation. Did you Factor in All the Hidden Fees?

  Your main objective while on vacation is to relax and be carefree. So let us plan ahead for any possible setbacks. Some travel surprises are good others are not! Discovering an out-of-the-way exquisite restaurant or finding out that the museum you planned to visit is completely free will ultimately put a smile on your […]

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U is for Understanding Your Credit Score.

    Did you know that a simple three-digit number may stand between you and a car loan or home mortgage? This number is your credit score! Do you know that in the past you weren’t able to view this score? Well today, thanks to pressure from Congress and consumer groups, you can and should […]

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R is for the New Retirement Reality

R is for the New Retirement Reality. Are you Prepared?

  Are you looking forward to the day when you can stop working, retire and enjoy life? Reality check – our world today does not bring us the peace of mind of previous years as far as retirement is concerned. In the past social security, pensions and lifetime health care were offered to workers in […]

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Wants Vs Needs - Balance

Q is for Question Your Spending Habits.

    Consumer spending accounts for about 70% of the U.S. economy according the U.S.  Commerce Department. Our spending is what keeps our economy in either good or poor shape. When spending increases or decreases, it has a major effect on our economy. What we buy can be divided into two major categories. The first category […]

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