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Articles written by Teresa Ambord

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 By Teresa Ambord    News    October 1, 2017 

Taking Social Security's temperature

For now, Social Security is in the black. In 2016 the Social Security Administration (SSA) took in income of $957 billion, which includes interest income. During the same year, it had total expenditures of $922 billion, adding $35 billion to its asse...

 

Ever wished you could work from home?

It used to be a rare thing to meet someone who worked from home and actually made a decent income. Some people say they could never do it. They’re not self-starters. They can’t deal with the distractions. They’d feel like they were always at...

 
 By Teresa Ambord    News    July 1, 2017

How to get along with your much younger boss

If you haven’t seen the movie “The Intern,” starring Robert DeNiro and Anne Hathaway, you should. It’s funny, and it’s a perfect example of the difference in how generations work – the pitfalls and the saving graces. Retired, recently...

 
 By Teresa Ambord    News    June 1, 2017

Grandma, will you cosign a college loan for me?

You may think student loan debt is mostly for kids. But, think again. Kids are graduating from high school right about now, and looking toward college. And that might mean they’re looking to Grandma and Grandpa for help paying the bills, either...

 

Can a debt collector take your benefits directly out of your bank account?

Suppose a debt collector sues you and wins a judgment. It may get a court order to garnish money from your account or benefits received by prepaid card. But the U.S. Department of Treasury requires banks to automatically protect certain federal benef...

 
 By Teresa Ambord    News    April 1, 2017

How safe are your bank deposits?

Anyone who’s seen what I consider the best movie ever made – “It’s a Wonderful Life” – will remember the bank run that nearly put the town of Bedford Falls six feet under. Quick thinking kept that from happening in Bedford Falls, but...

 
 By Teresa Ambord    News    February 1, 2017

What is your financial advisor really up to?

Like most professions, financial advisors come in all varieties from great to self-serving and greedy. Before you trust your financial future to someone, make sure you’ve got a good one. White-collar prisons are full of people, male and female,...

 
 By Teresa Ambord    News    January 1, 2017

Tax refund delays lie ahead

If you’re a taxpayer who rushes to file early, don’t get in too much of a hurry. The tax filing season will begin on January 23, 2017, says the IRS, and the tax agency will begin accepting electronic returns on that day. But taxpayers who are...

 
 By Teresa Ambord    News    December 1, 2016

From the mouths of burglars

Every day across the country more than 4,800 home burglaries occur, mostly in daylight hours, and in one out of three of those break-ins, a family member is home. The U.S. Justice Department says in about 7 percent of cases, violent crime is...

 

Medicare releases new costs for 2017

Last year prices for Medicare held fairly steady, and of course, there was zero increase in your Social Security check. This year, the cost-of-living raise is tiny, at .03 percent (about $3 if your monthly benefit is $1,000). In fact, Part B premiums...

 
 By Teresa Ambord    News    November 1, 2016

Keep your eyes open for abuse during the holidays

It’s not a very holiday-like subject, but if you seldom see your older relatives except at Thanksgiving and Christmas, it’s an important time to be alert for signs of elder abuse. Not that you should necessarily talk about it, but keep your eyes...

 
 By Teresa Ambord    News    October 1, 2016

When adult kids move back in (or never leave)

Feeling squeezed by adult kids living with you? Or, maybe you’re okay with it. One thing is certain, you’re not the only ones in your situation. Living with Mom and Dad is now the most common living arrangement for young adults, according to the...

 

Invest carefully in precious metals, coins

There’s no shortage of commercials urging you to buy gold and silver and other precious metals. The idea is that it’s a smart way to diversify your portfolio and protect your retirement funds. But of course everyone’s situation is different....

 
 By Teresa Ambord    News    July 1, 2016

Biting into the 'donut hole' of prescription drug costs

Have you reached the donut hole in Medicare coverage? If so then you know, it begins when you and your drug plan have spent a total of $3,310 on your medications. Then, you have to pay a higher share of medication costs till you reach the other side...

 
 By Teresa Ambord    News    April 1, 2016

Most people will need long term care

The good news is, overall, we’re living longer. But the bad news is, many of us will live longer but only with the assistance of a nursing home or at a minimum, home health aides. What’s the likelihood you or someone you love will require...

 

Get the most from your medicine

Pill Splitting: A Two-fer Deal Whatever your opinion about health care reform and Obamacare, you’ve probably noticed that health care is getting more expensive and harder to find. And chances are, it’s only going to get worse. The fact is, the...

 
 By Teresa Ambord    News    December 1, 2015

What's new for Social Security in 2016? Not much

You’ve probably already heard that Social Security recipients will not get a raise in their benefits in 2016. One person’s bad news is often the next guy’s good news. Social Security raises are tied to inflation, and of course high inflation is...

 
 By Teresa Ambord    News    December 1, 2015

Apps to make life easier and apps for fun

Need a gift for a senior in your life? How about an “Easy” button? You may have seen TV commercials featuring easy buttons. You have a problem and quickly solve it by pushing the easy button. Of course, nothing is that simple, but apps do make...

 

Stay safe while the trick or treaters are out for fun

Kids love Halloween, but adults… maybe not. Seniors who live alone may feel vulnerable opening their doors to strangers. And if you choose not to spend a small fortune on treats, will your house get egged? Then again, some adults like to decorate...

 

Ghosts walk among us and they have credit cards

They’re not real ghosts, but sadly it’s true that thieves are able to steal the credit of people who are gone. They open accounts, run up bills, and get away with it for a while. That’s called ghosting. According to security firm ID Analytics,...

 

These are the worst places to hide money in your house

Everyone keeps a little cash for emergencies, right? We do our best to hide it, but the trouble is, most of us hide it in places that burglars can easily find. Chris McGoey, a Los Angeles based security expert lists a couple of the worst places to...

 
 By Teresa Ambord    News    August 1, 2015

When adult children live in your house

Whose living are you paying for? Roughly 62 percent of people age 50 and up are providing financial support to family members, according to a study by Merrill Lynch Wealth Management. Some are helping out with the needs of their elderly relatives,...

 
 By Teresa Ambord    News    July 1, 2015

You might be participating in Medicare fraud

If you watch much TV you’ve probably heard the ads for free or nearly free medical items, possibly a knee brace, back brace, or other device. “If you qualify for Medicare, then you qualify to get these items or services – all you have to do is...

 
 By Teresa Ambord    News    July 1, 2015

Fighting fraud may pay you cash

Medicare is serious about enlisting your help to fight fraud. If you suspect fraud and you meet all five of these conditions, you could be eligible for a reward of $1,000. Here are the conditions: 1. You report your suspected Medicare fraud. The...

 
 By Teresa Ambord    Health    July 1, 2015

New protection for Social Security numbers may be on the way

You may know that theft of Social Security numbers (SSN) among seniors often happens because thieves go after your Medicare cards. Experts say, never carry your Social Security card with you, to prevent theft of your SSN. But your SSN is printed on...

 

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