Sandra C. Field, MBA, CFP®

1 minute reading time (285 words)

Ancestry & Genetic Testing

Many people are interested in their ancestry and genetic testing and the popularity of DNA test kits shows this new trend. The most popular tests are AncestryDNA, National Geographic genetics and 23andme. 23andMe has over 2 million customers that have given consent to have their data used for research. Yes, the data is sold. The premise is that the data is sold for research and the buyers are institutions and nonprofits. You do have to consent to your data being used and 80% of their customers do give consent. So, what are the dangers? For a young person who may be applying for health insurance or life insurance in their future, I would advise that their data not be shared and their sample not be kept for future testing. Despite genetic privacy laws, life insurers can request genetic testing information and thus deny coverage based on your disease risk profile. Law enforcement also has the right to your data.

For people living to age 85, there is a 34% chance of having Alzheimers. Age is also a big risk factor for Parkinson’s disease. If you find you have the APOE gene, your risk of Alzheimer’s is increased. How the research can help is that the right patients could be put in specific clinical trials. Carol and her kids have been tested. I spit in the tube and sent my sample off to 23andMe to be tested for ancestry results just because I am curious even though all my maternal side came from Sweden. I have not given consent for learning my genetic risk for diseases yet. If you have an interest in this topic, email us for our links to the articles and research.


Market Moves
Time for a Financial Checkup

Search Blogs Module

Wait a minute, while we are rendering the calendar
June 29 rescue organizations emergency kit estate planning phone companies credit card company paperwork clutter car loans Part D premiums . pet supplies IRA accounts Wells Fargo customers 4 pm -8pm Orange County Superior Court credit score clients Kraig Mathias wells Fargo Social Security October 1 2020. president Trump information Facebook blog post credit cards Erin Nelsen “ skimmer ”. Affordable Care Act pet industry phishing scams Puerto Rico cell phone service provider fun facts Victor Dergunov portal borrowing money web address fees information pet people medications Treasury Department Wells Fargo employees Federal Trade Commission website 2017 IRA contributions ID card Mobile Banking Security Tips 2018 IRA contributions Flexible Spending Account gap insurance ice cream EEChecklist-Kits.pdf stockpilingchecklist.pdf identity thieves operations manager news coverage retirement planning insurance policy increase Financial Planning Magazine debt health care services prescription eyeglasses CFP ® emergency folder flash drive opt-out card reader non-prescripstion sunglasses home emergency kit trust Notary Public 70 1/2. parking spots Ice Cream Social banking spring cleaning driver license Two-Step Verification investment statements asset Planning padlock FSA National Ice Cream month cell phone carriers holidays approach chip-enabled EMV cards family members Medicare Healthcare life saver hurricane Dorian illiegal robocallers Retirement Contribution Limits credit card fraud FEMA website self-help topics Asset Planning drive /usb trustee D premiums fun atmosphere Medicare question 401K vision screening Part B vacation documents integral member executive order account numbers Amazon home break-ins January 10 earthquake app jury duty tax season Medicare Part B phishing sites official certification offering insurance scams Legal robocalls home emergency preparedness kits media accounts home Fox News story Auto insurance estate planning direction privacy settings cell phone provider breach VOIP landline phones pets contribution limit birth certificates money retirement IRS deadline Brexit vote clients show support cell phone carriers offer home security estate health care costs consumer spending 2017 TD Ameritrade National LINC Conference checklists summer bottom line retirement accounts toilet paper settlement options retirement plans spam phone assets 900 number Kiplinger Letter tax deadline Shred paperwork team members home mortgages Orange County app Medicare Advantage Open Enrollment April 11 ice cream event donation counts policy partner /owner Facebook profile phone company memorial Day weekend Independence Day emergency kits Roth IRA credit freeze Open House Social Security Administration April 18 2017. https :// donation items client portal notary services check lists California Lions Friends relief efforts clone counterfeits Medicare plan July 4 2017 Equifax breach https ://seekingalpha cell phone SIM swap scam 23 andme privacy notices identity theft text messages cell phones CERTIFIED FINANCIAL PLANNER exam 20 year anniversary Medicare Part B premiums email notifications TD Ameritrade April 15 disaster areas insurance policies Joey Gonzales Charles Schwab credit monitoring service DNA test kits house sitter interest rates Supplemental Security Income