Asset Planning, Inc Blog

The latest from the team.

Smartphone Security

Most of us live on our smartphones. Our whole lives are connected to them, from social media to online banking and more, so keeping them secure is more important than ever. I found a great article I wanted to share with you that has some tips on keeping your smartphone safe.

https://socialnomics.net/2017/05/10/7-best-practices-for-ensuring-smartphone-security/

I hope you find these tips useful!

Continue reading
  710 Hits
710 Hits

Notary Services

Don't forget that if you're ever in need of notary services, we offer them free to our clients. Give me a call at 714-827-5794 to set up an appointment.

Have a great weekend!

Melani

 

Continue reading
  588 Hits
588 Hits

Go Bag for Emergencies

After witnessing the devastation from the recent hurricanes and California wildfires I thought it was a good idea to send out a reminder about having a “go bag” or emergency kit ready. In the case of the wildfires the residents had little to no notice. This gave them no time to collect any of their belongings for themselves or their pets. Having this “go bag” ready and easily accessible is extremely important. On the FEMA website I found a comprehensive list of what you should have in your emergency kit as well as some additional tips to help you prepare for an emergency.It is attached below. Take some time to look over the list and get your "go bag" ready.

Emergency_Kit_Checklist-_FEMA.pdf

Continue reading
  580 Hits
580 Hits

Healthcare Emergency Planning for Adult Children

As I mentioned in the last newsletter, my daughter is now a college freshman. We also recently celebrated another milestone with her, the 18th birthday. Though, Ashley is technically an adult, I know she has some years ahead before she is truly an adult with real responsibilities and maturity. With that in mind, I knew I didn’t want to be caught in an emergency situation where I was unable to help my daughter because of her “legal” adulthood. I once experienced a medical emergency nightmare with my unmarried adult brother whom was hospitalized in an incapacitated condition. Due to HIPPA privacy laws and no established health care directives, we could not see him, get any information, nor make any decisions about his care.

To be prepared in a healthcare emergency, a HIPPA release and Healthcare Directive are two forms that can be prepared in advance by your adult children or any adult. A signed HIPAA release permits healthcare providers to disclose your health information to anyone you specify. A stand-alone HIPAA form does not have to be notarized or witnessed.

An Advanced Healthcare Directive form allows you appoint an “agent” to make medical decisions on your behalf in case you are incapacitated and cannot make such decisions for yourself. You can also specify your wishes regarding life support. Each state has different laws and forms governing these legal documents. If your child is out of state, complete the away and home state forms. Here are the links to the state of California’s standard forms. Also be sure to check with your insurance company or Medical Provider if they have their own form to sign as well. I know Kaiser does.

https://oag.ca.gov/sites/all/files/agweb/pdfs/consumers/ProbateCodeAdvancedHealthCareDirectiveForm-fillable.pdf

http://www.dhcs.ca.gov/services/Documents/Authorization%20for%20Release%20of%20Protected%20Health%20Information%20DHCS%206247.pdf

Continue reading
  722 Hits
722 Hits

Credit Freeze

It seems like everyday we are hearing about yet another major company being hacked and our personal information getting exposed. It's frightening to think of all the harm that could come from a criminal using that information to wreck havoc on your finances. If you haven't done so already, putting a freeze on your credit is something that you should strongly consider. A credit freeze restricts companies from seeing your credit report which would prevent them from opening new accounts in your name. If you want to open a new account or apply for a loan you will have to call and have the credit freeze lifted to do so. This may seem like an inconvenience but it's definitely better than trying to clean up the financial mess that fraudulent activity creates.

To place a freeze on your credit you will have to contact the credit reporting agencies directly at the numbers below:

Equifax 800-349-9960

Experian 888-397-3742

TransUnion 888-909-8872

Continue reading
  573 Hits
573 Hits

Medicare Reminders

With today being the first day of autumn I thought it would be a good time to send out a reminder about Medicare open enrollment that happens every year from October 15th- December 7th. If you would like to make any changes to your Medicare plan now is the time to do it. If you are currently working, most companies also have their open enrollment times as well and it is a great time to review your current benefits. Be sure you are taking advantage of a flexible savings account for healthcare or childcare. Also, you may want to increase your 401k contributions because of a recent raise in pay. Those are just a couple things to consider when reviewing your benefits.

Another important reminder is if you've received a medicare premium increase due to a higher annual income but you have had a major lifestyle change that has decreased that income you can appeal the higher premiums. Life changing events such as retirement, divorce, death of a spouse, or work reduction are a few examples of a basis for an appeal.

Here is a link to an article that gives you step by step instructions on how you can make an appeal.

https://www.hhs.gov/about/agencies/omha/the-appeals-process/part-b-premium-appeals/index.html

 

 

 

Continue reading
  675 Hits
675 Hits

Grab and Go Folder

With the recent hurricanes we thought it was a good time to send out a reminder about keeping an emergency folder with important details such as account numbers and passwords. We like to call this your "Grab and Go folder". Here is a list of information you should have in the folder.

  • Assets: checking and investment accounts, private business interests, location of safety deposit boxes, annuities, individual retirement accounts and 401(k)s, trust agreements, real estate, vehicles, collectibles 
  • Liabilities: credit cards, mortgages, car payments, cell phone bills, other recurring bills
  • Social media/online accounts: passwords and login information for Facebook, Twitter, Instagram, Pinterest, LinkedIn, Amazon, PayPal, eBay, Netflix, Hulu, iCloud or other cloud storage accounts, online photo storage accounts 
  • Miscellaneous subscriptions/memberships: airline rewards programs, Sam’s, BJ’s or Costco memberships, toll tag accounts, magazines, newspapers 
  • Insurance: life insurance, long-term care, disability, home, auto 
  • Home maintenance: water, gas, electricity, telephone, alarm, lawn care, cable television, Internet service 
  • Medical: medical conditions, medications, emergency contacts 
  • Personal: burial/cremation preferences, funeral plans, pre-paid funeral expenses, birth certificates, marriage certificates, Social Security card 
  • Key contacts: financial and legal advisors, doctors, family members, close friends

No one likes to think that something bad will happen to them but it's always good to be prepared in case it does.

Continue reading
  699 Hits
699 Hits

Equifax Cybersecurity Breach

Equifax has announced that they were hacked between May- July 2017. This is very scary because the personal information for millions of people has been exposed. This data includes all of your sensitive information such as; birth date, social security number, drivers license number, address, credit card numbers etc.

Equifax has a tool that lets you check to see if you may have been exposed to the hack and is offering a year of free credit monitoring through their Equifax TrustedID Premier Service for those who were.

Follow the link below to read all about the breach, see if you were affected and to sign up for the free credit monitoring.

https://www.equifaxsecurity2017.com/

 ****UPDATE- Before signing up for the free credit monitoring service that Equifax is offering please read the fine print that goes along with the terms of agreement. You may be giving up your rights to a law suit if you take advantage of their offer.****

 

 

Continue reading
  629 Hits
629 Hits

Happy Labor Day

In observance of the Labor Day Holiday we will be closed on Monday, September 4th.

We will be returning to normal business hours on Tuesday, September 5th.

We hope that everyone enjoys their holiday weekend!

Continue reading
  593 Hits
593 Hits

Hurricane Harvey

Our thoughts are with those in Texas who have been impacted by the devastating flooding and damage from Hurricane Harvey. For those of you who are looking for ways to help, TD Amertitrade is matching donations dollar for dollar. This is a great way to make your contribution go even further to help more people. If you would like to donate please click on the link below.

TD Ameritrade Disaster Relief Donation

 

Continue reading
  654 Hits
654 Hits

By accepting you will be accessing a service provided by a third-party external to https://assetplanninginc.com/

Search Blogs Module

Wait a minute, while we are rendering the calendar
fun facts pet industry account numbers phishing sites D premiums 2018 IRA contributions California Lions Friends paper records 2017 Equifax breach team members 401K pets coronavirus health care costs house sitter FEMA website home emergency preparedness kits cell phone SIM swap scam IRS cell phone service provider privacy notices home break-ins IRS deadline company phone companies home mortgages home emergency kit 2017 IRA contributions investment statements 4 pm -8pm interest rates information Wells Fargo employees home breach notary services retirement planning checklists Facebook profile emergency folder July 3 rd Amazon insurance policies Orange County Superior Court increase spam phone stock pile family members IRA accounts media accounts CA FTB years June 29 identity theft business hours Orange County contribution limit opt-out app Medicare Part B premiums credit cards estate planning direction home security privacy settings Joey Gonzales blog post retirement plans April 18 2017. January 10 Asset Planning October 1 2020. clients drive /usb Mobile Banking Security Tips trustee estate planning Fox News story debt money credit card fraud people medications jury duty cell phone carriers web address Healthcare FSA cell phone carriers offer scams Medicare Part B Affordable Care Act earnings fallout Federal Trade Commission website donation counts self-help topics consumer spending Treasury Department operations manager spring cleaning parking spots Legal robocalls tax filing deadlines president Trump spread 70 1/2. tax records credit card company July 4 clients show support CARES Act estate April 15 July 6 paperwork clutter vacation Medicare plan September 8 September 30 2020. news coverage “ skimmer ”. documents holidays approach retirement accounts Victor Dergunov ice cream event health care services bottom line information Facebook vision screening market turmoil 2017 TD Ameritrade National LINC Conference Open Enrollment car loans Social Security Administration life saver payments Auto insurance Social Security integral member Open House relief efforts September 9 Notary Public Roth IRA stimulus package https :// interest Part B Supplemental Security Income policy insurance policy Charles Schwab trust Wells Fargo customers ID card records earthquake app donation items items padlock ice cream disaster areas tax returns Financial Planning Magazine pet donation drive credit monitoring service asset Planning Two-Step Verification Economic Security hurricane Dorian EEChecklist-Kits.pdf stockpilingchecklist.pdf Independence Day Kraig Mathias pet emergency kit 23 andme official certification wells Fargo DNA test kits credit score text messages Retirement Contribution Limits water … VOIP landline phones retirement card reader assets TD Ameritrade check lists memorial Day weekend Expired medications tax deadlines Brexit vote Erin Nelsen non-prescripstion sunglasses Ice Cream Social Medicare question Puerto Rico National Ice Cream month Flexible Spending Account tax deadline gap insurance 20 year anniversary fees Labor Day COVID -19 virus phone toilet paper fun atmosphere Shred paperwork markets 900 number Part D premiums . executive order cell phone provider partner /owner offering insurance prescription eyeglasses Medicare Advantage identity thieves CFP ® April 11 banking Medicare July weekend student loans phishing scams credit freeze summer cell phones CERTIFIED FINANCIAL PLANNER exam clone counterfeits Coronavirus Aid driver license February 14 birth certificates borrowing money portal illiegal robocallers settlement options rescue organizations client portal https ://seekingalpha email notifications emergency kits chip-enabled EMV cards tax season pet supplies Kiplinger Letter flash drive