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What’s on our mind? You can read about it in our blog. Here you will learn about investment concepts, asset protection strategies and approaches to reducing your tax bill.  But we are not all work and no play.  You can also come here to find out what’s happening in each of our families and where our travels have taken us.  Yes, our Blog is both educational and fun!

 

Tuesday, November 6, 2018

In this issue: The latest Facebook hack: What you need to know and do Savvy Cybersecurity quick links Emerging threat: Voice phishing scams Software updates The latest Facebook hack: What you need to know and do Thirty million Facebook...

 

Thursday, November 1, 2018

The IRS has just released new limits for retirement plan contributions in 2019. For employees who participate in 401(k), 403(b), most 457 plans, and the federal government's Thrift Savings Plan the limit has increased to $19,000 (up...

 

Sunday, October 28, 2018

Every year 500,000 children suffer from identity theft. Why? Their clean records are attractive to thieves looking to open new accounts without any issues, and the theft can go unnoticed for years as parents and guardians often don't...

 

Wednesday, October 17, 2018

On September 6, 2018, the MSCI Emerging Markets (EM) Index — which tracks stocks in 24 of the world's largest developing economies — dropped 20% below its January high, a level of decline that is commonly considered a bear...

 

Friday, October 12, 2018

In this issue: Three things to do during National Cybersecurity Awareness Month Cybersecurity shorts Software updates Three things to do during National Cybersecurity Awareness Month Did you know that October is National Cybersecurity...

 

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Thursday, October 11, 2018

What is the Medicare Open Enrollment Period? The Medicare Open Enrollment Period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year, Medicare plan costs and coverage...

 

Friday, October 5, 2018

5 Things you must do before you retire……. by Maurie Backman for the Motley Fool @CNNMoney September 2018: If you're looking forward to retirement, you're not alone. Countless workers dream of leaving their jobs behind and...

 

Friday, August 31, 2018

We work with a significant number of physicians here at Personal Wealth Strategies. One of the road blocks we come across in our planning, especially with residents and new physicians, is their student loan debt. This problem has been...

 

Tuesday, August 21, 2018

Earlier this year, New York Gov. Andrew Cuomo became the first governor to sign off on new legislation that would allow municipalities to establish charitable funds where tax payers can donate in return for a property tax credit....

 

Friday, August 17, 2018

A recent article in Investment News asked Financial Planners to consider when a client dies who will get their airline miles? Who will control their Facebook page or social media accounts? What about their on-line access to bank...

 

Thursday, August 9, 2018

About a year ago, David Bailin (no relation) took over as the Global Head of Investments at Citi Private Bank. The private bank serves clients with accounts of $25 million or more. At that time he decided to determine if there was any...

 

Tuesday, August 7, 2018

August is National Eye Health & Safety Month - Sight is one of the most important 5 senses a person has. Even though there is still approximately a month or so left of the summer, UV rays can be quite harmful to your eyes...

 

Monday, August 6, 2018

In this issue: Three important cybersecurity actions for every business 1. Emerging threats2. Cybersecurity shorts3. Software updates Three important cybersecurity actions for every business Businesses—big and small—are...

 

Friday, July 27, 2018

How to Manage Time With 10 Tips That Work Carry a schedule and record all your thoughts Carry a schedule and record all your thoughts, conversations and activities for a week. This will help you understand how much you can get done...

 

Thursday, July 26, 2018

We all need time to recharge our batteries. There is nothing like a surf trip to El Salvador with my best surf buddy... my daughter, for 5 days of surfing and bonding.... Priceless!!!

 

Friday, July 20, 2018

Millennials are holding off on buying their first home due to various reasons but primarily due to one goal. A COLLEGE DEGREE! With a college degree comes the financial loads and hectic lifestyle which delays marriage and homebuying...

 

Wednesday, July 18, 2018

In this issue: Credit freezes to be free under new law Emerging threat: Select Google IoT devices leaking consumer data Cybersecurity shorts Software updates Credit freezes to be free under new law Security experts have long...

 

Wednesday, July 18, 2018

It’s typically assumed that older workers bring in a heavier salary than younger workers, but to what extent?Based on the “American Community Survey”, year-round employees are classified as either millennials, GenXers...

 

Monday, July 2, 2018

Happy Independence Day! Today we celebrate the courage of our founding fathers and their dedication towards liberating our country! Being one of the first 13 colonies, New Jersey is enriched with historical sites. Below is a few sites...

 

Friday, June 29, 2018

Our clients and the people who read this blog, know the importance of investing in a globally diversified portfolio of stocks, bonds, and real estate in order to reach their long-term goals. However, according to a recent Gallup Poll...

 

Thursday, June 28, 2018

According to the recently released report of the Social Security Trustees the benefits for old-age disability insurance will be depleted by 2034. This year for the first time, Social Security went into a negative cash flow. More money...

 

Tuesday, June 26, 2018

In this issue: Child identity theft continues to grow: What to do Emerging threat: Your current credit freeze won't stop this growing fraud Cybersecurity shorts Software updates Child identity theft continues to grow: What to do More...

 

Thursday, June 21, 2018

Reading the above headline should scare you, but apparently those in charge of funding Medicare, i.e. the U.S. Congress, are immune. Earlier this month, the fund’s Trustees reported Medicare’s Hospital Insurance Trust Fund...

 

Thursday, June 21, 2018

In this issue: How to know if your Facebook data was affected by the Cambridge Analytica Leak Emerging threat: New business scam alters EMV-cards Cybersecurity shorts How to know if your Facebook data was affected by the Cambridge...

 

Wednesday, June 20, 2018

During a recent conference I attended I was asked to join Senator Bill Bradley for lunch. This was an unanticipated surprise to spend time with a man I have long admired for all that he has accomplished (see my blog post above). During...

 

Tuesday, June 19, 2018

Today’s post comes to you from 30,000 feet above somewhere in the middle of the United States. I am returning home from an Admired Leadership conference. Perhaps the highlight of the meeting was to listen to Senator Bill Bradley...

 

Friday, June 15, 2018

In this issue: How to protect your Facebook data in light of the Cambridge Analytica scandal Savvy Cybersecurity quick links Software updates How to protect your Facebook data in light of the Cambridge Analytica scandal Over 50 million...

 

Tuesday, June 12, 2018

June - Men's Health Month

 

Tuesday, May 29, 2018

My client zip lining through life! "So this is 70. I would do it again in a heartbeat." Lillian

 

Monday, May 28, 2018

Memorial Day is perhaps the most solemn of our national holidays. Each year we pause to remember those men and women who have made the ultimate sacrifice, fighting for our freedoms. Today while you are enjoying your day off from work,...

 

Friday, May 18, 2018

An idea for Charitable giving and getting a tax deduction for under the new tax laws. Click on Link below for more information

 

Friday, May 4, 2018

Today, Twitter announced that a glitch caused some user passwords to be stored in a readable, clear text on its internal computer system. According to Twitter, the issue has been resolved and there are no signs of unauthorized access...

 

Wednesday, May 2, 2018

Each year since 1999, May has been proclaimed Military Appreciation Month. It's a great time to say "thank you" to military servicemembers and their families, past and present, and to honor those who have died in the service of our...

 

Tuesday, May 1, 2018

May is National Stroke Awareness Month and the American Heart & Stroke Associations have posted important information regarding early warning signals, stroke prevention, treatments for a stroke, etc. Just knowing the "WARNING SIGNALS"...

 

Thursday, April 19, 2018

Home prices are going up, as the supply of homes for sales have dropped 11.9% this past year! “The median price of a home sold in March surged 8.9 percent compared to March of 2017, according to Redfin, a real estate brokerage....

 

Wednesday, April 4, 2018

April is National Autism Awareness Month According to a 2016 report from The Centers for Disease Control & Prevention, 1 out of every 68 children born in the United States has been diagnosed with varying degrees of Autism. The Autism...

 

Friday, March 23, 2018

Unfortunately, its not enough to simply file your tax return and be done with the taxing authorities. Due to the massive operation required to file and receive those tax returns, this time of year is ripe with opportunities for...

 

Wednesday, March 21, 2018

In this issue: What you need to know about tax identity theft this tax season Emerging threats Cybersecurity shorts Software updates What you need to know about tax identity theft this tax season Tax identity theft has been a massive...

 

Tuesday, March 13, 2018

Have you already filed your tax return? Good for you. Would you like to know the status of your refund? Now there is a tool you can use to find out on the IRS’ website to determine the status. The site will ask for your social...

 

Friday, March 9, 2018

Under the newly passed Tax Cuts and Jobs Act almost everyone will be paying a different amount in Federal Income Taxes come April 2019. Beginning in February 2018, the taxes withheld from employees’ paychecks were reduced,...

 

Wednesday, March 7, 2018

March is National Nutrition Month and the American Heart Association would like to help you live a healthier life. Click on the link below for some important information on how to eat smarter, feel better, and live longer by making a...

 

Wednesday, March 7, 2018

This week President Trump proposed taxing steel and aluminum imported into the U.S. through the use of a tariff. While tariffs have been used a various times by the U.S. government, they can lead to a declining economic value for all...

 

Sunday, March 4, 2018

In this issue: What to know about the Spectre and Meltdown vulnerabilities Emerging threats Cybersecurity shorts Software updates What to know about the Spectre and Meltdown vulnerabilities Every year, we face new major cybersecurity...

 

Friday, February 9, 2018

This has been a wild week for the stock market. On Monday the Dow Jones Industrial Average (DJIA) suffered its first 1,000-point loss. Only 2 days later on Thursday it suffered its second 1000-point loss. In between those dives the...

 

Wednesday, February 7, 2018

Market Corrects Are Common, Do Don't Abandon Your Plan

 

Friday, January 26, 2018

A granddaughter of one of my client's, who is a talented pastry chef in Michigan, masterminded this cool gingerbread house over the holidays... I wonder who ate it?

 

Thursday, January 25, 2018

In this issue: 3 cybersecurity predictions for 2018 Emerging threats: New scams to look for Cybersecurity shorts: Cybersecurity legislation, an UberEATS hack, Android malware, and much more Software updates 3 Cybersecurity Predictions...

 

Friday, January 12, 2018

Confused by the new tax law? Don't be. Here is a excellent article published by Kiplinger which explains many of the laws provisions in simple to understand language. I suggest you read it all the way through as you may find some...

 

Tuesday, December 19, 2017

With the holiday season upon us, I would like to take the time to ask that you please take a few minutes out of your busy schedules to possibly give back to our community and help the people that are less fortunate then we are. I am so...

 

Friday, December 8, 2017

Read on to learn more about the cybersecurity happenings this month including: o Uber's data breach and cover up o A tip for protecting your bank account o Medicare scams making the rounds o ...and much more

 

Friday, December 1, 2017

As we enter the holiday season, it’s important to be on the lookout for scams, hacks, and frauds. Here are some typical scams of which to be aware...

 

Thursday, November 30, 2017

Employers Must Consider Discrimination & Tax Implications With the end of the year fast approaching, many employers are getting ready to hand out holiday bonuses, unaware that these tidings of the season can come wrapped in legal...

 

Wednesday, November 15, 2017

In this issue: The low-down on Kaspersky Equifax updates Emerging threats: KRACK Wi-Fi vulnerability and Apple phishing scheme Cybersecurity shorts: Deloitte cyberattack, the end of Social Security numbers, and more Software updates...

 

Friday, November 10, 2017

Once a year in the fall, we witness the leaves changing to magnificent colors letting us know the season is changing. Some of us take trips to view and experience these changes. Likewise, once a year, we should assess our finances,...

 

Wednesday, November 8, 2017

This year has seen very strong returns in both the domestic and foreign stock markets. Through the end of October 2017, the S&P 500 Index has increased 14.2%, the MSCI EAFE Index (a measure of international stock performance) is up 20...

 

Thursday, November 2, 2017

In this issue: Equifax hack: Facts and myths Emerging threat: BlueBorne vulnerability threatens billions of devices Cybersecurity shorts: LinkedIn phishing scam, Hospital pumps vulnerable to attacks, and much more Software updates...

 

Tuesday, September 12, 2017

In this issue: The NEW way to beat the password paradox Emerging threats: New Social Security scam, a warning to healthcare providers, and more Cybersecurity shorts: Rise in business identity theft, spying Roombas, and much more...

 

Friday, September 8, 2017

I’m compelled to write today regarding the terrible damage inflicted on Americans in Texas and Louisiana, and what might come for Florida and parts of the Southeast. The pictures on the nightly news and all over the internet...

 

Friday, September 8, 2017

September is life insurance awareness month. Do YOU have enough life insurance for your family to cover expenses such as funeral costs, financial support, and outstanding debts? Insurance proceeds can also be used as an inheritance for...

 

Monday, September 4, 2017

When you listen to the business news you will often hear the terms “Bull Market” and “Bear Market” bounced around. Did you know there are true definitions as to what constitutes a Bull or a Bear Market? A bull...

 

Friday, September 1, 2017

Estimated Tax Payment, Retirement Plan & COBRA Relief Granted The U.S. Department of Labor (DOL) and the Internal Revenue Service (IRS) have issued several forms of relief to victims of Hurricane Harvey. Highlights of this relief...

 

Tuesday, August 22, 2017

On October 7, 2007 investors stood in a state of euphoria. The stock market was up 101% since the end of the last bear market in October 2002. Investors could not conceive that they were about to enter a downward spiral worse than any...

 

Wednesday, August 9, 2017

In this issue: Three ways to beat the password paradox Emerging threat: Verizon PINs leaked Cybersecurity shorts Software updates We hope you have been enjoying your summer so far. Unfortunately, the cybercriminals don't take a...

 

Wednesday, August 2, 2017

In this issue: Three moves to hack-proof your finances Emerging threat: Global ransomware attack, Fireball malware, and North Korean threat Savvy Cybersecurity quick links Cybersecurity shorts: Internet-of-things danger, Kmart breach,...

 

Wednesday, July 26, 2017

In this issue: WannaCry ransomware causes global cyber mayhem Emerging threat: Verizon's cybersecurity predictions Cybersecurity shorts: Google Doc phishing attack, Equifax's weak security practice, personal health records up for grabs...

 

Tuesday, July 25, 2017

Congress and the President are still wrangling over what should become of the Affordable Care Act, and indirectly American’s health care system. Here are some recent statistics related to the Affordable Care Act that may help you...

 

Sunday, June 11, 2017

If your child has secured a job this summer help them to avoid paying too much to Uncle Sam. Each year many students have taxes withheld from their paychecks that should rightfully be paid to them. We all know how painful it is to see...

 

Wednesday, May 10, 2017

The Internal Revenue Service (IRS) mails millions of pieces of correspondence every year to taxpayers for a variety of reasons. Here are some suggestions on how to best handle a letter or notice from the IRS: Do not panic. Simply...

 

Friday, May 5, 2017

In this issue: Your Email Address: The Weak Link in Your Security Savvy Cybersecurity Update: FASFA tool Emerging Threat: Health Savings Account Fraud Cybersecurity shorts: LinkedIn phishing emails, InterContinental hotel breach grows,...

 

Tuesday, May 2, 2017

Now that the pain of accounting for your taxes is behind you, do you feel like you paid too much in 2016? If so, what can you do to make filing of 2017's return more of a reason to cheer than cry? The time to act is now (well it was...

 

Friday, April 28, 2017

Are you one of the lucky individuals waiting for the Federal Government to send you a refund check? Curious about the status? Now there is a tool you can use to check on the status of your refund. Simply click on this link to the IRS'...

 

Monday, April 24, 2017

You have never heard of Tax Freedom Day? It is the day when the nation as a whole has earned enough money to pay its tax bill for the entire year. So all the work you have already put in for 2017 has been required just to pay your...

 

Monday, April 17, 2017

In this issue: CIA's Vault 7 and How to Hack-Proof Your Devices Emerging threats: FASFA tool brought offline after criminal activity, ransomware hitting Macs, and more Cybersecurity shorts: Russians charged in Yahoo breach, 99% of...

 

Sunday, April 16, 2017

You may have learned in grade school that Federal Income Taxes were established by the 16th Amendment, but their history actually go back much further than that. In the early years of the United States history the federal government...

 

Wednesday, March 29, 2017

Happy Article 50 Day! While it doesn't have the same cache as America's Declaration of Independence, Great Britain today filed a letter with the European Union beginning the exit process known as "Brexit". Earlier this year British...

 

Friday, February 24, 2017

The Capital Group, home of American Funds one of the largest mutual fund families in the United States, writes about the real benefits of working with a Financial Advisor Want a Better Retirement? Use an Advisor. The article cites a...

 

Wednesday, February 22, 2017

In this issue: “Cardless ATM” technology leads to major fraud Emerging threats: Netflix and Gmail phishing attacks Cybersecurity shorts: Tax refund delays, the danger of a peace-sign selfie, a WhatsApp scam, and much more...

 

Friday, February 10, 2017

U.S. Small Company stocks had a banner year in 2016. However, the returns can be broken into 2 very distinct periods highlighting how quickly and unpredictably the stock market can move. Prior to the U.S. Presidential Election U.S....

 

Wednesday, February 1, 2017

In this blog post: 3 cybersecurity trends to look for in 2017 One billion more Yahoo accounts hacked in a second incident dating back to 2013 Emerging threats: Netgear routers easily hacked, a spiteful ransomware strain, a scam...

 

Thursday, December 22, 2016

The holiday season has finally arrived and not a bit too soon! I for one feel it is time to talk about the good in the world, instead of the bickering that has taken place much of this year. Whether your politics has you leaning left,...

 

Sunday, November 27, 2016

On November 22, 2016, a United States District Court Judge in Texas granted a request by 21 States, the US Chamber of Commerce and several business groups to temporarily block the Department of Labor (DOL) from implementing its changes...

 

Friday, November 11, 2016

After months of contentious debate the country has a new President. While many view President Trump as the answer to their prayers others see his election as the beginning of their nightmare. The stock market futures plunged overnight,...

 

Monday, October 31, 2016

Why did I chose to make the first entry in our new Blog about financial pioneer Harry Markowitz? Perhaps it is because all modern finance begins with Harry and his work. As a child Harry was always interested in mathematics and physics...