Revocable Living Trust to the Rescue

No one likes to think about the possibility of not being able to manage their own affairs. Still, accidents and illnesses do happen. If you worry about who would manage your assets if you couldn’t do it yourself, then you might want to consider a revocable living trust.
 

What It Is

Retirement Savings To Last a Lifetime

It’s not always easy to know if you’re saving enough for your retirement. Like most people, you’re probably not sure. Here’s how to get a general idea of whether your savings are on track to last throughout your retirement.
 
Plan for a Long Retirement

Reaping the Benefits of Gift Cards

Although Gift Card programs have been used primarily by large retailers, small to mid- sized businesses can benefit from implementing a gift card program.
 
A First Data survey of small to mid-sized businesses found that 82 percent of respondents indicated that offering gift cards has had a positive impact on their bottom line. The majority of merchants who implement gift card programs also report an increase in their sales.
 

Take The Paper Out of Your Process With Electronic Check Service

Electronic Check Service is an integrated authorization, settlement and collections solution where a merchant runs checks through magnetic ink character recognition (MICR) readers at the point of sale, returns the paper check to the customer and settles the items via the ACH network.

Payment Security Standards: What You Need To Know

The 20th century U.S. criminal Willie Sutton was said to rob banks because “that’s where the money is.” The same motivation in our digital age makes merchants the new target for financial fraud. Occasionally, lax security by some merchants enables criminals to easily steal and use financial information from payment card transactions and processing systems. It’s a serious problem – more than 234 million records with sensitive information have been breached since January 2005, according to Privacy Rights Clearinghouse.org.

Lockbox Provides Efficiency and Savings

With the use of checks continuing to slowly decline each year, businesses are faced with a challenge of how to effectively handle those items as part of their accounts receivable strategy. There are many alternatives businesses can choose from today – Remote Deposit, Electronic Check Conversion at point of sale and back office, and Lockbox.
 

Living Trusts and Taxes

Perhaps you've read about an estate planning tool called a living trust. It is often recommended to individuals who want their assets to be professionally managed should they become disabled. A properly implemented living trust also avoids probate, which can be a time consuming and expensive process.
 

Keep Your Head in the Game: Avoiding Mental Errors When You Invest

Fear of making an investment mistake can cause a retirement investor to postpone decisions. For example, an investor may delay switching out of an investment that has consistently underperformed. While the investor is lingering over the decision, the investment may be losing even more value. If you determine that an investment no longer fits in with your game plan, the sooner you make the substitution, the better.

Investing Mistakes: Even an Old Pro Can Land in the Rough

Your favorite golfer on the PGA Tour typically has scores so low they seem impossible. But suddenly, he begins undershooting greens and misjudging putts and doesn’t even come close to breaking par. He isn’t sure why his game is off, but he knows his fairway flubs could thwart his future goals.
 

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