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David Lerner Associates: Money, Stress and Financial Planning
October is Financial Planning Month. Even though the economy is recovering, money is still the number one source of stress affecting the health and lifestyles of most Americans.
David Lerner Associates: Parents' Long Term Care
October is Long Term Care Planning month. Long-term care is described as home and community-based services for adults who need help taking care of themselves.
David Lerner Associates: 2016 Financial Planning Checklist
As we near the end of the year it makes sense to start planning for the New Year. Here is a Financial Planning checklist you can use to prepare for 2016.
David Lerner Associates: 4 Financial Planning Tips
The future of a person's family, as well as their own safety and security, may be at risk if the right steps are not taken to ensure financial stability.
David Lerner Associates: New Card Chip Technology Questions
This month the U.S. is instituting the new EMV (Europay, MasterCard and Visa) chip technology in credit and debit cards to help stem the tide of fraud and identity theft that results from hacking and security breaches.
Dealing with Financial Stress
Managing stress levels is important, especially when it comes to your finances.
David Lerner Associates: Grandparents and College: Be Careful not to Jeopardize Financial Aid
As we discussed in a recent article, some families are turning to grandparents to help ease the burden of paying for a college education.
David Lerner Associates: Four Financial Strategies for Young Adults
As they graduate from college and begin their careers, many young people often discover that the "real world" is very different from what they thought it would be based on the glamorous images of the make-believe lives of 20-somethings on some TV shows and in some movies.
David Lerner Associates Announces the Proposed Sale of Apple REIT Six Inc. to BRE Select Hotels Corp
David Lerner Associates, a financial investment company headquartered in Syosset, NY., recently welcomed the Apple REITs Companies' announcement of the proposed sale of Apple REIT Six, Inc. (the "Company" or "Apple Six"), a real estate investment trust (REIT), to BRE Select Hotels Corp, an affiliate of Blackstone Real Estate Partners VII. The total transaction value, including transaction costs and the assumption or repayment of Apple REIT Six, Inc. debt, is approximately $1.2 billion.
David Lerner Associates: A Different Way to Look at Life Insurance
Life insurance is very different from other types of insurance. The differences are important to take into consideration as you assess your overall insurance coverage needs.
David Lerner Associates: Does it Cost More to Be a Woman?
Women face a number of financial challenges that appear to be unique to their gender. These go beyond earnings-an area where, according to the U.S. Census Bureau women still tend to lag behind men, on average - to the area of credit card management and even everyday purchases.
David Lerner Associates: Financial Resolutions In Your 70s
Evey year we make New Year's resolutions. Here are three suggestions for New Year's financial resolutions for individuals in their 70s.
David Lerner Associates: Women and Financial Literacy
Recent studies indicate that we may be facing a financial literacy crisis in the United States today. This is somewhat ironic, given that the world of finance and investing is arguably more complex today than ever before.
David Lerner Associates: The Crisis in Women's Financial Literacy
The word "crisis" seems to be used very loosely today, but it might be the right word when it comes to the current state of financial literacy among U.S. adults.
David Lerner Associates: How to Close the Financial Literacy Gap
One of the most concerning findings of the Financial Finesse study is a reversal in what was a positive trend with regard to women paying off credit card debt. Between 2009 and 2011, women made steady progress in paying off credit card debt in full, but this trend changed course earlier this year.
David Lerner Associates: Financial Literacy, the Gender Gap
This is the third in a series of articles discussing the importance of financial literacy for women.Several recent studies have suggested that there may be a significant "gender gap" between men and women when it comes to financial literacy. This may even include women with college degrees.
David Lerner Associates: Beyond Politics - Women and Financial Literacy
There is one topic some people say hasn't received a lot of attention from either party during the political season -- the "gender gap" between men and women when it comes to financial literacy.
2013: David Lerner Associates Offers Smart Financial Steps for the New Year
2013 has just begun. Many Americans dutifully made their New Year's Resolutions in January, but many have already broken or forgotten about them before the calendar turns to February.
David Lerner Associates: Should You Buy or Rent Your Home?
Home ownership has often been called "the American dream." But this dream turned into a nightmare for many Americans a few years ago when the real estate bubble burst and housing prices plunged in many areas of the country.
David Lerner Associates: QE, QE2, QE3 -Deciphering the Code
You may have heard these terms used recently when it comes to the economy but have no idea what they mean. If so, don't feel bad --outside of economists and professional investors, many Americans are fuzzy about their actual meaning and relevance.
David Lerner Associates: Common Money Management Mistakes to Avoid
Most people try to avoid making major mistakes when it comes to managing their money. But we're all human, and even the most savvy money managers and budgeters aren't immune from making a few money management blunders.
David Lerner Associates: National Financial Capability Study Reveals Shortcomings
In May, the FINRA Investor Education Foundation released its annual National Financial Capability Study.
David Lerner Associates: Financial Capability Study Sends Mixed Messages
A recently released major financial study revealed some good news and some bad news with regard to how Americans handle their finances.
David Lerner Associates: Financial Mistakes Young People Should Avoid
In a recent article, we offered some financial tips for new college graduates as they head out into the "real world" to find jobs and support themselves, often for the first time in their lives. In this article, we take a look at the flip side — below are five financial mistakes that young people should try to avoid.
David Lerner Associates: How to Teach Your Kids About Money
Schools have certainly changed a lot since the song School Days was written over 100 years ago, but one thing that hasn't changed is the fact that there are still very few schools that teach children about personal financial management.
David Lerner Associates Announces Upcoming Financial Seminars
David Lerner Associates, a private securities broker/dealer headquartered in Syosset, NY, will be presenting five "Sensible Middle Ground of Investing" financial seminars free of charge to the public in October.
David Lerner Associates: The Importance of Building an Emergency Savings Fund
Many personal financial planning experts suggest that individuals make building an emergency savings fund one of their top financial priorities, More than a quarter of Americans do not have any emergency savings at all.
David Lerner Associates: Identity Theft Fraud Tips
Reports of the rise in identity theft are in the news all the time, yet many people think it will never happen to them. This article contains some helpful tips on how to avoid becoming the victim of identity theft and fraud.
David Lerner Associates: Financial Resolutions in Your 30s
This is the time of year when many people make their New Year's resolutions. Take the time to also make a few financial resolutions
David Lerner Associates: Financial Resolutions in Your 50s
After a lifetime of diligently saving you're getting closer to the day when you hope to actually enter into and enjoy the retirement.
David Lerner Associates Financial Resolutions In Your 40s
The good news if you're in your 40s is that you may be entering your peak earning years - especially if both you and your spouse are working.
David Lerner Associates: Financial Resolutions in Your 60s
In order to retire at age 65 you will likely need to have accumulated a sizable retirement nest egg by the time you reach your early 60s.
David Lerner Associates: Financial Resolutions in Your 80s
New Year's financial resolutions that may be appropriate for individuals in their 80s.
David Lerner Associates: Financially Speaking, Women and Men are Different
Women have never been in a better position to achieve financial security for themselves and their families.Women need to take advantage of this position and educate themselves about finances.
David Lerner Associates: Review Your Financial Resolutions for the New Year
Review what might be on your list of financial resolutions this year. And instead of calling them New Year;s resolutions, regard them as smart financial steps that you can take to help get and keep your finances on track this year.
David Lerner Associates: Charitable Deduction
The charitable deduction allows you to take off the value of property you offer to charity from your property and might minimize any federal gift and estate tax that might be owed. Charitable gifting allows you to satisfy your personal philanthropic desires and satisfy your estate planning objectives.
David Lerner Associates: The difference between a power of attorney and a durable power of attorney
What are the differences between power of attorney and a durable power of attorney? Find out here.
Women and Wealth Management: Is There a Gender Gap?
A new study conducted by Boston Consulting Group indicates that women believe they receive a lower quality of wealth management service than men do.Over half (55 percent) of the women who responded said their wealth manager could do a better job of advising them than he or she was currently doing.
David Lerner Associates: Setting and Prioritizing Your Budget Goals
Without clear budget goals your financial life may remain in disarray. Your budget goals help you turn your financial wish list into an action strategy.
David Lerner Associates: Making Sense of Bond Yields and the Yield Curve
When it comes to investing in bonds, among the first factors to consider is yield, but what exactly is "yield?" The answer depends on how the term is being used.
David Lerner Associates: Evaluating Risk Tolerance
All investments have some level of risk, and if you're planning to invest your money, it's important to become familiar with how much volatility you can endure.
David Lerner Associates: How can I defend myself from identity theft?
The most effective way to protect yourself from identity fraud is to try to prevent it from happening in the first place. Here are some tips.
David Lerner Associates: Managing Periods of Crisis
Smart planning is the key to effectively handling periods of crisis. Whether you're planning ahead or dealing with a crisis now, take control. Here are some tips.
David Lerner Associates: Determining net worth
The initial step in the financial planning procedure must be to determine your net worth. Once you figure out your net worth, you will begin mapping out your financial future.
David Lerner Associates: Speaking to your aging parents about their finances
Speaking to your parents about money is usually complicated, particularly when the money you're talking about is theirs. Here are some tips to help you through this process.
David Lerner Associates: Taking Care of Your Aging Parents (Part 1)
Your parents need you, and you need help. This is the first of our 3 part series on caring for your parents as they get older.
David Lerner Associates: Taking Care of Your Aging Parents (Part 3)
The last article in our 3 part series, focuses on the financial aspects of caring for aging parents.
Small Business Week: Life Insurance Needs
Your life insurance needs will depend upon a variety of factors, including whether you own a small business, the size of your family, the nature of your financial obligations, your career stage and your goals.
David Lerner Associates: Important Documents You Need for Estate Planning
There are five estate planning documents you may need, despite your age, health, or wealth. Read more about those documents and important estate planning tips.
David Lerner Associates: A Retirement Income Roadmap For Women
It is essential to become involved in retirement planning even if you're married. Many women end up single at some time in their lives due to divorce or death of a spouse.
David Lerner Associates: The 2014 Social Security Trustees Report
The financial projections in this report indicate that even though the trust fund that finances Medicare's hospital insurance coverage will remain solvent until 2030 (four years beyond last year's projection), steps need to be taken to address Medicare's financial challenges.
David Lerner Associates: Rollovers
Use this rollover guide to help you decide where you can move your retirement dollars.
David Lerner Associates: Financially Speaking, Women and Men are Different
Women today have never been in a better position to achieve financial security for themselves and their families. What financial course will you chart?
David Lerner Associates: National Family Caregivers Month
As National Family Caregivers month draws to a close this week, David Lerner Associates takes a look at the ways to prepare, in case you have to be a family caregiver in the future.
David Lerner Associates: Family Care Support and Services
Caring for your aging parents will be easier if you know what kinds of support and community services are available and where to locate them.
David Lerner Associates: Managing Money and Marriage
Planning carefully and communicating clearly with your spouse are important, because the financial decisions that you make now can have a lasting impact on your future.
David Lerner Associates: Financial Considerations for Family Caregivers
Caring for your aging parents is not only an emotional burden it may also be a financial one. It will depend on how well off your parents are and how much caring for them costs.
David Lerner Associates: Mutual Fund Fundamentals
We often hear that an investment portfolio should include a mutual fund. But what exactly is a mutual fund?
David Lerner Associates: Retirement Planning Numbers for 2015
Every year the IRS adjusts retirement plans and IRA limits for inflation. Many of the limits eligible for a cost-of-living adjustment (COLA) have gone up for 2015. Some of the key numbers for 2015 are shown here.
David Lerner Associates: Mutual Fund Basics
There are many mutual funds to choose from. The two most common types are stock mutual funds and bond mutual funds. Find out more in this article on Mutual Fund Basics.
David Lerner Associates: Distribution Funds - Putting Revenue on Autopilot
As baby boomers retire, they begin to focus less on accumulating assets and more on how those assets may be converted into an ongoing stream of income. Distribution funds are one way to simplify that method.
David Lerner Associates: Raising Capital for Your Business
Every entrepreneur knows that adequate financing is vital to the success of a business. Failure to acquire adequate funding often determines whether a business can get off the ground, not to mention whether it can sustain itself into the future
David Lerner Associates: Fighting Fraud And Identity Theft with New Technology
Retailers are finally stepping up their game. The United States in in the process of replacing its current 'swipe and sign' card technology with a more secure technology called EMV, which is short for Europay Mastercard and Visa.
David Lerner Associates: 6 Reasons to Work with a Financial Professional
No matter what stage of life you're in you could probably benefit from working with a financial professional. Here are six reasons why.
David Lerner Associates: Does it Cost More to be a Woman in 2015?
Many areas of women's lives are in the spotlight during International Women's month. One important factor that has still not been achieved in the US is financial equality - as witnessed by the responses to Patricia Arquette's passionate plea for equal pay for equal work in her acceptance speech at the 2015 Oscars
David Lerner Associates: The Gender Gap in Wealth Management
According to a study that performs research on financial trends in the US, women have made good progress in many areas of financial literacy, but there is still a gender gap when it comes to investment and wealth management.
David Lerner Associates: Switching Professions? Take Your 401(k) and Roll It
Sometimes, you have no alternative - you need to use the funds. If so, try to minimize the tax impact. For example, if you have nontaxable after-tax contributions in your account, keep in mind that you can roll over just the taxable portion of your distribution and keep the nontaxable portion for yourself.
David Lerner Associates: Are 529 assets subject to Medicaid spend-down requirements?
Right now this issue has been largely ignored by state laws. But unless future legislation exempts 529 plans from Medicaid rules, it would be wiser to assume that these assets could be subject to the state's grasp.
David Lerner Associates: Analyzing Estate Planning and Income Tax Basis
Income tax basis may be essential when deciding whether to make gifts now or transfer real estate at your death. The income tax basis for the person receiving the property depends upon whether the transfer is by gift or at death.
David Lerner Associates: Loans are a Primary Financing Sources for a Business
There are many sources of financing available to a business owner. Consider all options carefully before making any decisions. The following list of loan sources should provide some ideas.
David Lerner Associates: Asset Allocation
As you transition into retirement, your priorities for and demands on your portfolio are likely to be different. Your asset allocation strategy will probably be different than the one you used when saving for retirement.
David Lerner Associates: The Economic Rebound
It's been nearly six years since the official end of the Great Recession. Now, finally, Americans have reasons to feel upbeat about their financial prospects. Key economic indicators are signally progress for the US economy..
David Lerner Associates: Equity Financing Sources
Every business needs capital – either to get started or to fund operations and expansion. Here are some ideas for equity financing sources.
David Lerner Associates: New Chip Technology in the News
The data breaches at major retailers in the U.S. have increased in recent years. As a way to counteract these data breaches, many U.S. credit card companies have started implementing a more secure chip-card technology called EMV (which is short for Europay, Mastercard, and Visa)
David Lerner Associates: Your Credit Profile
Your credit profile can make a big difference in your financial life, not only for a major purchase like a home or car, but also for college loans, credit card terms and insurance premiums.
David Lerner Associates: Millennials vs. Boomers Gap
There is a generation chasm between Millennials and Baby Boomers. Their use of technology and their choice in music and culture may be very different. But there is one area in which they are not so different: financial planning.
David Lerner Associates: Key Issues for Older Americans
While retirement is generally something to look forward to there's also the concern about the cost and availability of health care and the worry about what might happen if one becomes unable to live and care for oneself independently.
David Lerner Associates: Planning for Marriage
If you are planning for marriage you're faced with the enormous responsibility of combining your personal finances with your spouse's and reassessing the way you and your spouse structured personal finances as unmarried individuals.
David Lerner Associates: Indexed Universal Life Insurance
There are several types of life insurance - one that you may not be so familiar with is called Indexed Universal Life Insurance. (IUL)
David Lerner Associates: Financial Planning Lessons for Educators
No matter what stage of your career you're in, working with a financial professional who understands an educator's special concerns could be beneficial.
David Lerner Associates:Life Insurance at Various Life Stages
Just as financial needs change over time, so too does the need for life insurance change with new circumstances. Let's look at how your life insurance needs change throughout your lifetime.
Give Your Children a Basic Financial Education
Kids today are very financially aware - even before they can count. As soon as they are old enough to handle money, teach them the basics of how to handle it wisely.
David Lerner Associates: Coping with Fraud and Identity Theft
Whether they're snatching your purse, diving into dumpsters, stealing mail, or hacking into computers, identify thieves are a reality and can cause havoc with your financial life.
Financial Aid: 529 Plans and Your Family's Future
If thinking about joining a 529 plan, or if an account is already in the cards, understanding more about how 529 funds will affect a child's chances of receiving financial aid is a smart move.
Financial Planning Helps You See the Bigger Picture
No matter what the goal is - owning a new home, traveling to exotic locations, driving a nice car, starting a business or retiring comfortably - there is always a price tag attached.That's why financial planning is so important.
Life Insurance Protects Loved Ones
Your life insurance needs will depend on a number of factors, including whether you're married, the size of your family. the nature of your financial obligations, your career stage, and your goals.
David Lerner Associates: How to Deal with Student Loans
Many people who borrow money to get a higher education vaguely remember signing a piece of paper every year at college registration time. Repaying student loans as quickly and easily as possible is the best way to move forward into a more secure, less stressful future.
David Lerner Associates: Women and Work
Why salary, benefits and work-life balance count. Now that women make up a large part of the workforce it's important for women to take charge of their career path and financial rewards.
David Lerner Associates:: Life Insurance and Estate Planning
In the past many families have viewed life insurance primarily as a way to pay for funeral expenses, but it's become much more than that today. Now it's seen as an integral part of estate planning.
David Lerner Associates: Insurance Issues for Married Couples
It may seem like an odd thing to worry about when you are just starting out together, but the lack of adequate insurance protection can lead to financial disaster in the future
How to Establish or Increase a Cash Reserve
Cutting back on discretionary spending can help you establish a cash reserve goal sooner and will form a habit that serves you well in future years.
Teaching Your College-Age Child about Money
Now that they're heading off to college your children need more knowledge about money. They'll be on their own and handling their own finances - probably for the first time.
David Lerner Associates: The Sensible Middle Ground of Investing
Investors in the stock market have been on somewhat of a roller-coaster ride recently. It is one thing to experience the thrill of a sudden drop at the fairground but quite another when it's your investments that take a tumble. We believe in something that we call the 'sensible middle ground of investing.'
David Lerner Associates: Property Ownership Issues for Married Couples
When you get married there are many financial issues that should be discussed and resolved. How to structure ownership of property is one such issue.
David Lerner Associates: Women and Asset Protection
Due to a decision to remain single, divorce or loss of a spouse, many women find themselves having to take charge of their financial affairs.
3 Ways to Graduate Debt Free
Over the past ten years, the cost of a college education in America has gone up very year. Hillary Clinton recently announced a proposed student loan reform as part of her campaign.
David Lerner Associates: 5 Financial Lessons for College Students
Millions of young Americans will be leaving home for the first time this fall. Along with many other freedoms they'll experience, they will also have to manage their own finances, probably for the first time.
Women Need to be Proactive about Finances and Retirement
Relying on your husband to take care of the finances and retirement income was an accepted practice in the past. Today women have to take a new approach to their financial future. Relying on a spouse's income and savings is no longer a risk-free option.
Connect Your Financial Goals to the Rest of Your Life
Most Americans strive for a fulfilled life - a good job, a nice home,, a family, and a bright future. However, statistics show that this American Dream is not a reality for far too many.
Women Business Owners Still Face Financial Challenges
Although the number of women-owned businesses is on the rise, they still face some financial challenges. The Census Bureau's Survey of Business Owners shows that while women own 36 percent of businesses in the U.S. only 11.3 percent of the sales revenue generated went to female-owned businesses.
David Lerner Associates - Long Term Care is Over to You
Only 13 percent of Americans have long term care insurance, just a fraction of those who will need help as they grow older.
Comprehensive Financial Planners are Better Off
October is Financial Planning month. Why should we pay attention to financial planning? A report by Princeton Survey Research Associates International reveals that there is a direct correlation between affluence and financial planning.
David Lerner Associates: How to Outlast Market Ups and Downs
We've all heard stories of the wild fluctuations in the market during the Great Recession. How do you outlast these fluctuations and feel confident that the money you're working so hard to save will provide the comfortable retirement you're planning for.
David Lerner Associates: Free Financial Planning Tools
Financial Planning Month is a good time to try out some of the apps and software that can help you get your finances in better shape. These free tools should help you keep your finger on your financial pulse.
David Lerner Associates: 3 Financial Resolutions for your 30s
As the year winds down it's wise to get in financial shape and set goals for the future. There are a few financial milestones you should aim for in your 30s
David Lerner Associates: Financial Planning in your 40s
October is Financial Planning month so it's a good time to take stock of your future goals and put plans in place. These three resolutions should be on your list if you are in your 40s
David Lerner Associates: Financial Planning in your 50s
There are financial challenges in every decade. These three financial resolutions address the challenges that are common in your 50s.
David Lerner Associates: Financial Planning in your 60s
In order to retire at age 65 you will likely need to have accumulated a sizable retirement nest egg by the time you reach your early 60s.
David Lerner Associates: Credit Card Pitfalls
Every year in October bankers visit local classrooms on National Get Smart about Credit Day. The idea is to educate kids about the "credit facts of life."
David Lerner Associates: Three Steps to Help Prevent Financial Fraud over the Holiday Season
International Fraud Awareness Week aims to minimize the impact of fraud by promoting anti-fraud awareness and education. Financial fraud has become a part of almost everyone's life.
David Lerner Associates: Financial Goals for 2016
With 2015 coming to an end, many Americans are taking stock of their accomplishments of the past year and setting goals for the coming 12 months. Here are some ideas to help achieve your financial goals this year.
David Lerner Associates: 5 Ways to Improve Your Personal Bottom Line in 2016
Many Americans are taking stock of 2015 as the end of the year approaches. According to a new study by Capital One, only 34 percent of Americans feel they accomplished some of their financial goals this year. So while we may be relieved to see the back of 2015, here are some tips that can help you improve on meeting your financial goals next year.
David Lerner Associates: Five Financial Threats That Could Derail Your Future
We all make plans for our future and try to cover all the bases. As much as we'd like to believe that everything will go according to plan, we know that there are likely to be bumps and setbacks along the way. These five events are probably the most serious threats to a successful financial future.
David Lerner Associates: Financial Confidence Lower for Women and Seniors
Consumer sentiment fell slightly in December, according to the latest University of Florida consumer survey. The greatest decline was among women and people age 60 or older. The sentiment number is based on five components, and four of the five were down for women. Seniors' perception of their person financial situation took a 13.6 point dive.
David Lerner Associates: 5 Ways to Simplify Your Finances in 2016
Better health and fitness and an improved financial situation are on most Americans' minds at this time of the year. Simplifying your finances not only improves your situation, but it can also save time and relieve stress. It makes your goals easier to accomplish.
David Lerner Associates: Confidence Plays a Part in the Financial Gender Gap
Women in the U.S. lag behind men in three main areas of their finances: earnings, investments, and savings. A recent Fidelity study identified a major factor that contributes to this issue - women lack confidence when it comes to handling their finances. Just 28 percent of respondents said they felt confident when it comes to picking investments without help, and 37 percent felt confident about handling retirement planning on their own.
David Lerner Associates: Saving or Paying Off Credit Card Debt
At this time of year you will see many experts offering advice on how to set goals for 2016. Most of them lay out a plan to tackle all the aspects of your financial well-being. In the best of all possible worlds, this would be ideal. However, for many Americans it's more realistic to take on one goal at a time.
David Lerner Associates: Millennials and Financial Literacy
Millennials are exceptional in many ways - better educated than their predecessors, more ethnically diverse, and more economically active, but according to a study, even though they're burdened with student loan debts and economic uncertainty, Millennials know little about personal finance.
David Lerner Associates: Financial Wellness Basics
Ask one hundred people, and you're sure to find that the great majority of them would agree. We all want more stable finances. We all want what is now being referred to as "Financial Wellness." We aren't talking about the difference between wealth and poverty here. We aren't talking about hand-to-mouth versus upper affluent income brackets. We're talking about a quality of life and a healthy financial life.
David Lerner Associates: Women and Money - The Financial Gender Gap
The World Economic Forum's Global Gender Gap report show that women are worse off this year - the pay gap in the U.S. is now at 64 percent, down from 66 percent a year ago. That means that American women earn two-thirds of what a man does for the same work.
David Lerner Associates: Your Financial Mindset and Stress
According to the American Institute of Stress, over 70% of people experience physical or psychological symptoms caused by stress. The cost of daily living; bills, kids, jobs... this is the stress we tend to ignore or push down.
David Lerner Associates: How to Retire Wealthy
If you're under 40, your most valuable asset isn't youthful vigor or a full head of hair. It's time. Retirement is decades away, and contributions to a 401(k) or other retirement plan will have years to compound and grow.
David Lerner Associates: How to Track Your Net Worth
Making financial progress involves keeping track of your net worth, even if knowing that number is of a reality check. When you know your net worth, you can set a realistic financial goal. In the digital age, tracking your net worth is less complicated than it once was.
David Lerner Associates: Five Common Financial Mistakes
Your current financial situation is a combination of every decision relating to money you've made in the past. If you're like most people, you have had very little or no coaching, so you're just learning as you go.
David Lerner Associates: How to Build an Emergency Fund
Creating a healthy emergency fund can be a lofty and intimidating goal. But in these uncertain economic times, such a fund is needed more than ever yet almost two-thirds of Americans are not prepared to for unexpected expenses.
David Lerner Associates: National Entrepreneurship Week: Millennials vs Boomers
As America focuses attention on entrepreneurs this week, one of the troubling statistics is the slow decline of startups. Census data and other studies show that the number of companies less than a year old had declined as a share of all businesses by nearly 44 percent since 1978. As every entrepreneur knows, starting a new business can be very challenging. It requires talent, skill, and resources.
David Lerner Associates: Sound Investment Strategies
Building a healthy investment portfolio requires some well-thought-out strategies and a smart investment mindset. It requires financial literacy. Whether you are a new investor or a seasoned veteran, here are some tips that could improve your chances of a creating a successful investment portfolio.
David Lerner Associates: Finances, Health, and Credit Can Affect Your Love Life
A recent survey by Nerdwallet showed that 60 percent of women ranked a potential partner's financial situation as important to them. Almost half (44 percent) feel that financial responsibility is more important than attractiveness in a romantic partner. This applies to men too, although the numbers differ according to age groups.
David Lerner Associates: Financial Education is Your Best Investment
Ignorance can be costly, especially when it comes to your financial literacy. Investing time and energy into financial education could be one of the best investments you can make.
David Lerner Associates: Deadly Investment Mistakes
Making investment mistakes can be very costly for obvious reasons, and so they should be avoided if possible. Workers and retirees have been shouldered with an increased burden of taking personal responsibility for their own retirement and savings. Here are some "deadly investment sins" that should be avoided.
David Lerner Associates: Financial Equality in Marriage
Getting married is a very emotional moment. There is so much to do and organize that how you're going to deal with your finances after you're married is often not a major thought. However, once the honeymoon is over and you're settling down to everyday life, this can become one of the most contentious aspects of a marriage.
David Lerner Associates: Women Trailing Men in Financial Fitness
Most Americans were affected by the Great Recession, and the thought of another future financial shock makes us very uneasy. Women are particularly vulnerable, says a study from FINRA, 2012 National Financial Capability Study, and it's taking a toll on their lives with higher stress levels, reduced productivity, and decreased well-being. Only 37% of the women surveyed were rated financially fit as opposed to 45% of men.
David Lerner Associates: Women Need to be More Hands-On Financially
It's important for everyone to keep tabs on their finances, but it seems that women lag behind men when it comes to taking control and planning for a secure financial future. Women face unique challenges that add up to different financial needs. Prudential's 2014-2015 Research Study, "Financial Experience and Behaviors Among Women," shows that although more women are taking control of household finances, they're no more prepared to meet long-term financial goals than they were a decade ago.
David Lerner Associates: Women and Money. The Financial Gender Gap
International Women's Day is today. The World Economic Forum's Global Gender Gap report shows that women are worse off this year - the pay gap in the US is now 64 percent, down from 66 percent a year ago. That means that American women earn two thirds of what a man does for the same work.
David Lerner Associates: IRS Data Theft and the Need to Protect your Personal Information
The U.S. Treasury has released a revised and far scarier picture of the cyber-attack suffered by the IRS last year. Initially, it was thought that just over 100,000 people were affected by the incident, but now they're saying it was over 700,000. That raises the issue of online security and the need to protect your information, as well as staying alert to tax scams as we head into another tax season.
David Lerner Associates: Financial Tools are Just the Beginning
One big worry for many Americans in the prime of life is their financial future - how to pay for their kid's college, when to retire, and whether they'll have enough to retire on are major concerns. April is Financial Literacy Month, a good time to reevaluate financial plans and make sure that the calculations those plans are based on are valid.
David Lerner Associates: Lessons from the Richest Women in History
A recent about the richest women of all time used two interesting factors to decide who made the cut. The women had to have taken an active role in building their fortunes. They compared an individual's wealth to total global economic output at the time. The list includes well-known historical figures such as Cleopatra and Catherine the Great, as well as a few current female billionaires.
David Lerner Associates: Financial March Madness
March is a great time to take stock of your financial situation and get your fiscal affairs in order. March 15th marks the due date for corporate tax returns, and it also marks exactly one month before personal tax returns are due. By now you should have all your 1099s, W2s, and tax documents collected and ready to go.
David Lerner Associates: How to Prevent Investment Fraud
According to the FBI there were over 1,800 cases of investment fraud in 2011, to the tune of $36 million in recoveries. That's just the amount they were able to recover, which gives you an idea of how big this problem really is. And according to current estimates, that trend will only increase with access to more sophisticated technology by fraudsters. Here are tips to avoid falling victim to these kind of scams.
David Lerner Associates: Being Money Smart in Retirement
It's Money Smart week. A new study has found that Americans in their retirement years gradually lose the ability to manage their money. According to the study the ability to answer basic financial literacy questions wanes as age increases. However, the ability to confidently make financial decisions does not falter.
David Lerner Associates: Cyber Thieves Target Men More than Women
A new report claims that men are ripped off three times as much as women. There are many things you can do to stay safe from the digital bad guys. Using strong passwords, secure your computer, installing the latest operating system updates, protecting your data with encryption or passwords, and securing your wireless network are just a few things that can be done.
David Lerner Associates: Money Smart Tips for Credit Card Debt
38 percent of all American households carry some credit card debt and the average for balance carrying households is $15,779. Americans between 45 and 54 years old appear to have the highest balances of any age group. Credit card debt is not a good idea at any age, but when you're getting close to retirement it could be a significant barrier to future financial security.
David Lerner Associates: Money Smart Tips for Credit Card Debt [INFOGRAPHIC]
38 percent of American households carry some credit card debt. Americans between 45 and 54 years old have the highest balances of any age group. When you're getting close to retirement, this debt could be a significant barrier to future financial security.
David Lerner Associates: April is Financial Literacy Month
The best investment you could make is financial education. It's an investment in your own financial future and the future of your family.
David Lerner Associates: Who Can Benefit From College Savings Plans?
There are many types of people who can benefit from college savings plans especially parents and grandparents of young children, casual investors, or anyone wanting to transfer wealth to another family member as part of an estate plan.
David Lerner Associates: Monopoly and Financial Literacy
Playing Monopoly on game night has been a part of almost every American household for decades. One of the benefits of playing the board game was the financial literacy learning that took place. Now the game is being updated to reflect the current financial landscape - all transactions will be done via debit or credit card.
David Lerner Associates: Estate Planning Essentials
An effective and smart estate plan is necessary if you want to make sure your assets are inherited by the intended parties, no matter the size of your estate. If done right, your plan can limit the taxes owed by the beneficiary. Here are some helpful tips.
David Lerner Associates: Ending Financial Stress with Planning
Bank of America / Merrill Lynch's 2016 Workplace Benefits Report was an interesting study in the financial confidence of today's workers. 75% of employees polled indicated they are not financially secure, and 60% say they are somewhat or very stressed by their financial situation, according to the report.
Maintaining Financial Stability in Economic Uncertainty
The recession (meltdown) of 2008, was a big wake-up call for everyone. Fortunately, the collective anxiety that we experienced being on the brink of another Great Depression has passed, and the world's economy has recovered over the past 8 years. But we shouldn't forget the lessons that recent history has taught us. Here are some things that can be done to weather a potential financial storm.
Making the Best of Your Financial Education
The statistics speak for themselves. Americans are woefully under-informed about their finances - especially younger folks. The financial literacy of high school students has fallen to its lowest level ever with a score of just 48.3%.
Money Smart, Raising your Financial IQ
Money Smart Week was created by the Federal Reserve Bank of Chicago in 2002, and is a nationwide public awareness campaign designed to help the public better manage their personal finances and increase their financial literacy. Free seminars and activities are held around the country. The week runs from April 23-30.
Financial Literacy Lessons for Your Kids
Financial Literacy Month (also known as National Financial Capability Month) is an annual event taking place in April, centered on improving Americans' understanding of financial principles and practices. Here are some basic financial lessons that can be taught to our children that will be of great use to them as they grow.
Money Smart Millennials
They watched their parents finances crushed in the recession and their own financial outlook darken in the times following, but Millennials are now raising their financial IQ collectively.
Mother knows best
Motherly love goes a long way, and motherly advice apparently is more important than one might think. With Mother's Day recently being celebrated, as Americans armed themselves with bouquets of flowers, yummy chocolates and tear-jerking greeting cards, one thing that may not have been on the top of their list of things to consider was mom's money advice.
Millennials Can Create a Lifelong Wealth Plan
For a highly educated generation, Millennials show a surprising ineptitude in certain areas of money management. And a generation that lacks secure pensions will certainly need to prepare for their twilight years.
Elderly Financial Abuse
American seniors have historically been late adopters when it comes to technology. According to a Pew Research Center almost 90% of seniors with a college degree use the internet. With more and more mature Americans getting involved in the online community, the amount of scams targeting elders is ever on the rise.
Money Management Course Most Useful for Young Adults
Students often complain that they won't use what they study in school later in life. One course young adults 18 - 24 say they feel would be most useful is money management, according to a new survey from the National Financial Educators Council.
How Women's Roles in Family Finances are Changing
Back in the 50s, American women stayed at home and raised the children. In 1960, just over 10% of mothers were breadwinners, and 7% were single moms. By 2011, those numbers had jumped to 40% of mothers as the sole or primary provider, and 25% were single moms. In 2014, 34% were single mothers, and the trend is still on the rise.
Financial Planning Tips for Recent Graduates
As proud families celebrate and relieved graduates get ready to enter the workplace, new financial concerns take precedence. Now it's no longer about how to pay for their education, it's whether they'll get a job and how they'll manage on their own.
Smart Money Lessons from the Very Wealthy
We believe that when someone shows success in a field we could learn a thing or two from them. A master craftsman knows how to create beautiful objects, and a professor with a doctorate degree can teach his students well. This idea holds true in the field of finances too - those who have made a lot of money know things that could help the rest of us do better.
College Students Personal Finance Grade a C or Worse
In a LendEDU study of 455 college students, 59% rated their ability to manage their money and their finances at a C grade or worse. The survey posed 25 questions to the students, covering how they felt about their financial knowledge to spending habits, budgeting, and saving.
Nervous Decisions are Costing Investors Money
The stock market is always moving up or down. The aim of all investors is to make money, but a recent study found that the roller-coaster nature of the market can lead some investors to make rash decisions that may cost them a lot of money.
Millennials and Financial Education
It may no longer come as a surprise to anyone that Millennials do not have an excellent grasp on the management on money. Studies suggest that even with greater financial burdens from economic uncertainty and student loans, they are still lagging behind in basic financial education.
How to Overcome Barriers to Retirement Security
Many people face uncertainties and fears about their own retirement when it should be a well-deserved rest after a lifetime of hard work. A lack of planning may result in apprehensions and stress. There are plenty of obstacles Americans claim are in their way when it comes to saving for retirement: credit card debt, student loan debt, low wages, the need to save for a child's college education, and the list goes on.
Cinderella's Personal Finance Lessons
Although women now control 70% of consumer spending worldwide, when it comes to controlling their finances, the numbers are less encouraging. A recent study by Key Private Bank showed that even among high net worth women, household finances are still predominantly controlled by men.
5 Personal Finance Tips for Women
While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life, and unfortunately, too many women lack confidence, and may hesitate to take control of their finances.
FINRAs Advice for Keeping Your Financial Data Secure
Identify theft has been the number one complaint reported to the FTC for 15 years running. In 2015, almost half a million cases were reported. The loss of financial data can be devastating, and it can take a long time to recover.
Hollywood's Financial Literacy Lessons for Women
Watching films can be a pastime usually considered pure fun or even escapism. Some films are more pertinent than others, especially when it comes to learning life lessons. Learning from other people's mistakes, even if they are fictional characters, could be beneficial for your future.
Money Tips for College Graduates
With the new school year approaching, proud families and students alike will be preparing for a new generation of graduates to enter the workplace. With the next chapter in their lives just around the corner, new financial concerns take precedence.
3 Financial Tips for the Real World
There are many and varied tips available for anyone looking to educate themselves on what the "experts" recommend when it comes to financial planning. The internet abounds with such tips and advice. However, some of these things are easier said than done, especially when it comes to the workaday world and trying to keep up in an ever-more-volatile economy. Let's take a look at some of these tips, and how they can be applied to the real world.
5 Personal Finance Tips for Women
While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life and unfortunately too many women lack confidence and hesitate to take control of their finances.
Millennials Most Common Money Mistakes
Although young Americans who graduated this year are better off than their older siblings, they're still feeling some effects of the Great Recession. One thing they are doing right is starting to save earlier than previous generations, but their biggest money mistakes are not saving enough and holding what they do save in cash.
Financial Lessons for College Students
Almost 2 million students are expected to graduate this year, and according to some reports they'll be entering a very positive job market. Along with many other freedoms graduates will experience once they end their school career, they will also have to manage their own finances, probably for the first time.
Financial Planning for Retirement
The average retirement age is somewhere between 62 and 65. In order to retire by 65, you will likely need to have accumulated a sizable nest egg by the time you reach your 60s.
FINRA Finds Most Americans are Financially Better Off in 2016
Americans are finding it easier to pay their bills and are increasingly satisfied with their finances, but this does not apply to everyone. Minorities and young people are still feeling the pinch
Retirement Planning and Financial Professionals
When planning for retirement, making sure the information you have is accurate is very important. How do you know that the person you're trusting with your future has the right information?
5 Top Finance Tips No Matter Your Age
Whether you are in college or even about to retire, there are a few things that you should be doing to make sure you are financially safe and secure. The following pointers are things that can be done by anyone who wants to make sure that they have control of their finances, both in the present and looking towards the future.
Women and Money - The Financial Gendar Gap
The World Economic Forum's Global Gender Gap Report shows that women are worse off this year. the pay gap is now at 64 percent.
Reaching Goals of Financial Success
Saving for retirement, taking care of one's family, eating healthier, exercising more - these are goals that a lot of people have. Sometimes it's difficult to achieve those goals when temptations lead us astray. We want to save for retirement, but then we conveniently forget our budget constraints when making a purchase.
FINRA Study Reveals Millennials Lack in Financial Capabilities
Given the financial challenges millennials face, the ability to make well-informed and effective financial choices is important for them. A FINRA National Study suggests that younger Americans lack the financial knowledge to make well-informed decisions and that they engage in behaviors that are detrimental to their financial health.
Financial Planning Month
National Financial Planning Month is an annual designation observed in October. In light of this, here are some tips to use financial planning basics for your retirement.
Financial Education
October is National Learning and Development Month. It's important in both your professional and personal lives to keep learning, broadening, and advancing your skills. Especially when it comes to your financial education.
Women and Their Finances
Surveys show that one quarter of the women in the United States are the primary financial decision makers in their households.
Financial Planning and You
The fact that October is Financial Planning Month should not escape your attention. Making sure that you have a plan in place is essential if you want to live your life without worrying.
Financial Literacy Stills Needs Improvement
A big problem for people today appears to be the inability of most to perform basic financial calculations or understand basic investment principles.
Why Should You Have a Financial Plan?
October is Financial Planning Month and your attention should be firmly on your finances. The fact of the matter is that Americans are not doing enough when it comes to planning their finances.
Being a Financial Grown-Up
Financially speaking, it's time to face up to the idea that some "adulting" is required on the part of Millennials in their financial behavior.
Financial Security in Retirement
A big source of unrest in the minds of people is their retirement. More than half of Americans lose sleep thinking about retirement. Studies show that people who are confident about their retirement have a clear goal and vision for their future.
Millennials and Financial Security
The oldest of the Millennial generation are now reaching age 35. If ever there were a time to take a look at your financial landscape and assess one's future, now would be that time.
What To Do If You Are Hacked
November is Cyber Security Awareness Month. Hackers have exposed the personal information of 110 million Americans (roughly half of the nation's adults) in the last 12 months alone. That massive number is even more concerning by the amount of hacked accounts - up to 432 million.
Women and Financial Literacy - an issue that needs to be addressed
Financial literacy for women is an issue that needs to be addressed in the United States. Statistics show that women earn less than men and they also on average spend more years out of the workforce. This is alarming because women are getting the short end of the stick.
Financial Planning for When You Are Gone
Death is certain for all of us. The sad truth is that not enough of us take a moment to consider what will happen when we are gone. In fact, 55% of Americans pass away without a will or an estate plan.
End of Year Financial Advice
2016 has been a wild year, arguably one of the more interesting years we've seen in recent history. And as the year winds to a close, there are some things to take note of and tie a bow on your financial concerns.
College Grads and Financial Literacy
Unfortunately, college students are not well prepared for the real world financially speaking, because it is not taught.
Financial Security for Young Adults
Millennials have an advantage in that they have a comparative wealth of time to plan for retirement and allow smart financial investments to mature
Raising Financial Literacy
While one might be forgiven for thinking that a lack of financial literacy is exclusively a problem with young people and students, 41% of adults gave themselves a grade of C, D, or F regarding their knowledge of personal finance.
Why Write a Business Plan
Writing a business plan doesn't have to take months, compiling pages and pages of text. You can create a plan in under a month, working at your own pace. Use a presentation format like PowerPoint or Keynote to save time, and make it easier to share.
Understanding Your Finances
Understanding your finances comes down to understanding just a few key elements, definitions, and numbers that make up the sum total of your financial life.
Steps for Financial Freedom
Financial freedom is a term that is thrown around, but what does it actually mean? It's probably best stated as being free of worry from financial issues. But then there's always the concern of "more money, more problems."
Women and Money
In more than one third of American marriages, the woman out earns her husband. And although that's a long way off from an even 50%, it's a definite improvement on what the numbers looked like in 1987, when less than a quarter of women were the primary breadwinners in their families.
Wealth Building Tips
Building wealth is entirely under your own control, despite what some schools of thought will tell you. All it takes is smart decisions and breaking bad habits.
Cyber Security and Passwords
Online security has reached a fever pitch lately with hackers accessing political, business, and personal accounts all over the world.
Building Wealth
Wealth isn't something you wake up to one morning, "Oh, guess what honey. We're wealthy today!" Wealth is built and earned over time. Carefully. Strategically. With deliberate purpose.
Estate Planning
If you want to make sure your assets are inherited by the intended parties, no matter the size of your estate, you'll need an estate plan. If done right, your plan can also limit the taxes owed by the beneficiary.
April is Financial Literacy Month
The best investment you could make is financial education. This is not just a catch-phrase anymore. The stats speak for themselves.
Financial Literacy for Retirement
Studies have found that Americans in their retirement years gradually lose the ability to manage their money. In other words, the ability to answer basic financial literacy questions wanes as age increases.
Developing Good Financial Habits
April is National Financial Literacy Month and is an excellent opportunity to establish and maintain healthy financial habits.
2017 Women's Financial Literacy Guide
There has been a lot of discussion around women's rights this year. One issue that hasn't received much attention is financial literacy and a woman's ability to make her own financial decisions
Financial Literacy for Young Adults
National Financial Literacy Month is recognized in the United States in April as an effort to highlight the importance of financial literacy and teach Americans how to establish and maintain healthy financial habits.
How to Avoid Investment Fraud
There were 868 cases of SEC investigated financial misconduct in 2016. The good news is that potential victims, and more importantly the professionals trying to catch the bad guys, are focusing on financial literacy and fraud prevention which should make you feel a little safer.
Millennials and Debt
The average Class of 2016 graduate has over $37,000 in student loan debt - up 6% from last year.
Tax Season
March is a great time to take stock of your financial situation and get your fiscal affairs in order. March 15 was the due date for corporate tax returns and also marks one month before personal tax returns are due - Tuesday, April 18.
How to Keep Your Finances Stable
Here are some things that can be done to weather a potential financial storm.
Overcoming Financial Stress
Lots of people experience stress. This stress can affect your health, your body and your immune system, not to mention your ability to perform on the job, and thus your bottom line.
Millennials Changing the Face of the Workforce
Millennials are poised to transform nearly every facet of the U.S. and global economy. And the older generation needs to catch up.
Financial Essentials for Young Adults
While Millennials are the future generation with much promise, there is evidence to suggest that financial literacy is greatly lacking.
Writing a Business Plan
National Small Business Week was April 30 - May 6 2017. In light of this celebration, which recognizes the critical contributions of America's entrepreneurs and small business owners, here are some tips for entrepreneurs to help with writing business plans.
Three Common Financial Mistakes
Your current financial situation is a combination of every money related decision you've made in the past. If you're like most people, you have had very little or no coaching, so you're just learning as you go.
Your Net Worth
When you know your net worth you can set a realistic financial goal. In the digital age, tracking your net worth is less complicated than it once was.
A Healthy Financial Mindset
Building wealth is entirely under your own control. All it takes is smart decisions and breaking bad habits, and developing a healthy financial mindset.
Small Business Financial Tips
Being an entrepreneur can be a challenging endeavor but it can also be incredibly rewarding and thrilling.
Simplify Your Finances
Tax season is over and here are a few ways to simplify and take control of your finances for the rest of the year.
Money Tips for Graduates
With the end of the school year approaching, proud families and students alike will be preparing for a new generation of graduates to enter the workplace.
Women in Business
Women in business is a trend which is gaining ground is today's marketplace, and over the past twenty years women have out-scored men in startups by 150%.
How to Achieve Financial Freedom
Financial freedom is something that most of us strive toward. Here are some ways to achieve that.
The Basics of Financial Wellness
We all want more stable finances. We all want what is now being referred to as Financial Wellness.
Why Invest in College Savings?
How to pay for college? And who can benefit from this investment?
Finance Tips for Graduates
Here are some common financial mistakes and a little advice on how to avoid them.
Graduates and Financial Literacy
College students are not well prepared for the real world, financially speaking, because it is not taught. In other words, they lack basic financial literacy, and their low financial IQs are hurting them.
Marriage Money Tips
It would be very smart to get on the same page as your spouse with your finances, especially since it seems to be a source of arguments between married couples.
Financial Literacy for Millennials
Even with greater financial burdens from economic uncertainty and student loans, Millennials are still lagging behind in basic financial education.
Financial Education for the Younger Generation
It may not come as a surprise to anyone that Millennials do not have an excellent grasp on the management on their money.
Being Prepared for College Savings
Unless you plan ahead it's likely that you will be part of the majority of American families who do not have a college savings plan in place.
Planning Your Financial Future
Having a strong financial plan is important no matter what stage of life you're in.
Financial Regrets
4 out of 5 Americans have financial regrets and wish they could turn the clock back so that they could make smarter decisions with their finances.
Financial Planning Basics
Every year in October, National Financial Planning Month is observed. With a solid financial plan, you can set short-term and long-term goals. You can estimate the amount of money you will likely need for college, health care expenses, and your retirement.
Budgeting Tips
Living within your means is the surest way to not fall into a bottomless pit of debt. But that means really taking your financial life by the horns.
Common Investment Mistakes
Making investment mistakes can be very costly, for obvious reasons, and so they should be avoided if possible. But faced with a multitude of investment choices, it can be easy to become overwhelmed and fall into poor decisions.
Common Financial Mistakes
Your current financial situation is the sum total of every decision relating to money you've made in the past.
Three Tips for Writing a Business Plan
Writing a business plan doesn't have to take months and months, compiling pages and pages of text. You can create a plan in a relatively short time, working at your own pace.
Retirement Planning and Financial Literacy
A good grasp of basic financial concepts is an important skill to have when planning one's retirement.
Reaching Your Financial Goals
Sometimes it's difficult to achieve your goals when temptations and lapses in discipline lead us astray. Here are some tips to make the journey to financial success easier.
Life Insurance for Small Business Owners
As a small business owner, your family members aren't the only people depending on you. Your death could be a disaster for your employees and partners, and it could sink the company you worked so hard to build.
Student Debt vs Retirement Planning
Student loan debt is something that can follow graduates for the rest of their lives if they don't actively work to pay it off quickly and not just make minimum payments toward the interest of the loan.
Students and Financial Literacy
With the push for American students to go to college and keep pace with the rising cost of higher education, the financial literacy gap leads many students to make painful early mistakes and financial blunders.
Building an Emergency Fund
The purpose of an Emergency Fund is to improve financial security by creating a safety net of funds that can be used to meet emergency expenses as well as reduce the need to draw from high interest debt options, such as credit cards or unsecured loans.
Dealing with Financial Stress
Debt, reduced income, children, marriage issues, and the list can go on. There are a lot of things that could cause you to experience some financial stress.
Financial Tips for Small Business
Small businesses have consistently played a major role in economic growth because they create so many jobs - many more than large businesses.
Your Net Worth
Making financial progress involves keeping track of your net worth, even if knowing that number is a much-needed reality check.
Long Term Financial Planning for Millennials
For a highly educated generation, Millennials show surprising ineptitude in certain areas of money management.
Benefits of College Savings Plans
Unless you're well off or on a full scholarship, finding a way to afford the cost of higher education often ends with taking out student loans. However, if you plan ahead with a college savings plan, there are many benefits.
Building Wealth the Old Fashioned Way
Wealth isn't something you just wake up to one morning. It's built and earned over time - carefully, strategically, and with deliberate purpose.
Financial Education is the Smartest Investment
Ignorance can be very costly, especially when it comes to your finances. Investing time and energy into financial education is one of the smartest investments you can make.
Women and Financial Literacy
According to studies, women are falling far behind men in financial literacy. Not that men are all that much more impressive either Men apparently don't know much about the topic either.
Social Security Myths
Retirees and future retirees depend on, or will depend on, income from Social Security to help provide a financially comfortable lifestyle, but there is a lot of misinformation out there about the program. Here are some common Social Security myths.
Women and Retirement Planning
Women are wonderful. They outlive men by three to four years on average, and as a consequence, they represent the majority of older Americans. However, on average, they have fewer years of work and lower earnings.
Reaching for Financial Success
While we might have a lot in common, goals and especially goals for financial success, not to mention the definition of financial success, can vary from one person to another. Here are some tips to make the journey to financial success easier on you.
Retirement Tips for Young Couples
One of the greatest things that young adults have in their favor is time, especially when it comes to retirement planning.
The Most Important Debts to Pay Off By Retirement
Retirement is a time to relax and enjoy life, whether that means traveling around the world or staying at home to enjoy time with the grandkids. Unfortunately, far too many seniors are spending their golden years worried about their finances and debt is a big reason why.
Life Insurance from a Woman's Perspective
Nowadays women have more financial responsibilities than ever before. In fact, more women feel they are solely responsible for household finances than men.
Financial Literacy in America
Everyone should have at least a basic knowledge of financial issues, as it affects our everyday lives significantly. In the United States only 57% of Americans are financially literate.
Marriage and Debt
Falling in love and getting married is supposed to be one of the best milestones in your life. While that may be the case, it seems that many young couples are starting out life with debt, and this is putting pressure on them in ways that are not healthy.
Reverse Mortgage Could Help Your Retirement
Something that not everyone may immediately think of is to also to sign up for a type of loan that is typically considered a last resort option for seniors experiencing a cash shortfall in retirement.
Finance and the Gender Gap
Men may be from Mars and women from Venus, but that doesn't mean they should be unequal when it comes to pay or investments.Women are far from playing on an even field, and if anything, they have it far tougher.
Retirement Mistakes to Avoid
When you are planning for your retirement, you need to be aware that there are some easy mistakes to make. The following are things to avoid at all costs.
Three Rookie Financial Planning Mistakes to Avoid
A lot of Americans believe their financial planning need improvement but about a third of us have done nothing to plan for our financial futures at all. Here are some rookie mistakes to avoid when it comes to financial planning.
Self Employment and Insurance
Insurance can provide certain protection if you have started your own venture. A new business can be rather fragile and if you are the sole employee and provider then you have to do it all.
Americans and Financial Planning
Planning for your financial future should not be something that is an afterthought. Unfortunately, it seems that many American families are not taking control of the situation, and this could leave them in trouble later on in life.
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Trustees by Academic Year
Two-hundred and twenty-three trustees have served Indiana University since the earliest members met in Bloomington in 1820 to choose an "eligible and convenient site for the State Seminary," the first incarnation of IU. Trustees have represented 57 of Indiana's 92 counties. In 1924 Nellie Showers Teter became the first woman on the board; the body has included a full-time student since 1975.

subset: commoncrawl


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The 2 on the right are pretty cute.
So what is the deal? In Israel you get to be armed?
Funny, your never hear about "gun safety" being a problem over there.
I'd bet they feel safe walking home alone though. Outstanding.
No pat down search for these babes!
Damn... they need to stop buying ice cream and buy some Tae-Bo DVDs.
Oh my God those military "automatic weapons" have flash suppressors and look evil.
Not my type, looks-wise, but I love their "accessories!"
Fresh frozen Stacked and packed. All the endless gun grabber arguments are completely bogus, with Israel as the proof.
The one in the middle looks like John Candy.
The one on the far left has funny hair.
The one in the middle is using what looks like a combination mag block/ spare mag holder, just the ticket those situations when you can't go locked and loaded.
I have always had a soft spot in my heart for Jewish gals, and full-auto, so I will ogle both.
Gwenth Paltrow looking on the right
These women must be disarmed so that the Palestinians may continue their struggle for independence unhindered by return fire!
< /NPR talking points>
Pray for W and Israel
Interesting magazine holders.
Guns don't kill people, people kill people!!
...and they've accessorized with flash suppressors and extra ammo clips from Nieman Marcus!


text: We recently returned from our second stay at Chelidonia, each time with a different couple. All six of us agree that it was the best view we have ever had at any of the places we have stayed. Our villa was Liandros, a 2 bedroom perfectly suited for two couples. Triantaphyllos and Erica are very helpful and willing to give... More


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Tag: lomokino premiere
Lomokino Premiere: And the Winner Is…written by lomographyembassyspain on 2012-06-22 #videos #news
Last night was a night to remember, the LomoKino Premiere was simply AWESOME. Each and every one of the movies left us speechless, but only two won the grand prizes, keep reading to meet the winners!1 10 Share Tweet
100% analogue interview with Sally and Matthiaswritten by susielomovitz on 2012-06-25 #news
It's been a while since they came to visit us, but the LomoKino Premiere brought them back! Two of the founders of Lomography spent 24 hours in Spain and we couldn't miss the opportunity to ask them some questions. Sit back and enjoy this 100% analogue interview .1 9 Share Tweet
LomoKino Premiere: The Big Night of Lomographic Cinemawritten by lomographyembassyspain on 2012-05-03 #news #videos #people
The 35mm analog cinema will soon be shining in all of it's splendor. For the first time ever, worldwide movies filmed with the LomoKino will be projected onto a big screen in a movie theater. Keep reading to learn all the details, and remember that one of those movies on the big screen might be yours!1 8 Share Tweet
More than movies at the LomoKino Premiere 2012!written by lomographyembassyspain on 2012-06-22 #news
Lomographers, film lovers, professionals and amateur movie makers gathered at the Palafox Theather to enjoy the Big Night of the Lomographic Cinema.6 Share Tweet
The Countdown to the LomoKino Premiere 2012written by lomographyembassyspain on 2012-06-18 #news #videos
Lomography Spain proudly presents the LomoKino Premiere 2012. In only 4 days you can be part of the Lomographic event of the year. Read on and find out more...6 Share Tweet
And the Nonimees for the Best Amateur Shortfilm in the LomoKino Premiere 2012 are:written by lomographyembassyspain on 2012-06-20 #news #videos
The LomoKino Premiere nominations have been announced. The Big Lomographic Jury have chosen 9 LomoKino movies from the LomoKino Premiere Community Contest. Read on to know all the details:4 Share Tweet
The LomoKino Premiere is all over Madrid!written by guanatos on 2012-06-20 #news
I couldn't miss this event! Even though I live in Barcelona, as some of you may know I took some days off work to attent to the Big Night of the Lomographic Cinema: The LomoKino Premiere. Read on and check what I've found in the streets of Madrid....incredible!2 Share Tweet
Madrid June 21st: LomoKino Premiere 2012written by lomographyembassyspain on 2012-06-20 #news
The countdown for the LomoKino Premiere has begun! Mark your calendar and be part of a historial night for Lomography: movies shot with the LomoKino will be shown on the big screen of the Palafox Theater in Madrid. You're all invited!Share Tweet


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Rate cut joy for eurozone property hunters
But buyers must beware of the threat of deflation
BORROWERS will find it easier to fund a property purchase on the Continent as the falling cost of mortgages and strong pound boost their buying power.
The European Central Bank (ECB) last week cut its main interest rate to a record low of 0.15% from 0.25% in an effort to stimulate the eurozone economy. This will push down borrowing costs and make mortgages in the eurozone more affordable.
The cheapest 20-year fixed-rate mortgage in France has already dropped from 3.75% to 3.45% since the start of the year, according to International Private Finance (IPF), an overseas mortgage specialist. Over the same time, sterling has strengthened from €1.20 to €1.23, cutting the monthly cost of a €250,000 repayment mortgage from £1,249 to £1,186.
As a result,…


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Tour Description
- Explore the splendors of ancient Greece from the Panhellenic sanctuary of Delphi to the great healing center at Epidauros
- Explore the Acropolis of Athens, lasting symbol of classical civilization and of the glorious Age of Pericles
- Take an afternoon at leisure to discover Nauplia's myriad charms, following narrow cobbled alleys and bougainvillea-lined streets
- Walk a stretch of one of the great highways of the Roman Empire, the 2nd century BCE Via Egnatia
Meals: All breakfasts, 12 lunches & 7 dinners
May 7 & 8:
We arrive into Athens on Monday.
Hotel: Royal Olympic Hotel, Athens.
May 9: THE ACROPOLIS
We spend the day exploring the Acropolis, the lasting symbol of classical Athens. We stop at the Theatre of Dionysus and newly opened Acropolis Museum. We also visit the Agora, containing the Theseion and Stoa of Attalos.
Hotel: Royal Olympic Hotel, Athens.
May 10: ATHENS
Today's tour takes us to the National Archaeological Museum and its unrivaled marble and Mycenaean collections. After lunch, we tour the Kerameikos Cemetery and complete our city tour with the Arch of Hadrian and the Choragic Monument of Lysicrates.
Hotel: Royal Olympic Hotel, Athens.
May 11: CORINTH
We begin our tour of the Peloponnese, stopping at Corinth, an important Roman mercantile center. The afternoon is spent at Epidaurus, one of ancient Greece's most renowned medical centers. Its theater is considered the best-preserved of its kind in the Greek world.
Hotel: Grand Bretagne, Nauplia.
May 12: TIRYNS
We begin in Tiryns, and explore its system of fortification walls. We continue to fabled Mycenae, home of Agamemnon, leader of the Greeks against Troy, and his treacherous wife Clytemnestra. We enjoy an afternoon at leisure in Nauplia.
Hotel: Grand Bretagne, Nauplia.
May 13: LERNA
We continue to ancient Lerna, the scene for one of the 'Labors of Hercules.' We visit the 'House of Tiles', stop at Tegea to see the sanctuary temple of Athena and continue to Mystras, a medieval city rising up along the slopes of Mt. Taygetos. We view the remains of Frankish castles and lavishly decorated Byzantine churches.
Hotel: Sparta.
May 14: MESSENE
Today we visit Ancient Messene, where we will see a number of ancient public and private buildings within its fortifications, including an Asklepieion and Stadium.
Hotel: Olympia.
May 15: OLYMPIA
Today's touring is devoted to the Panhellenic sanctuary of Olympia, where every four years from 776 BCE to 393 CE Greeks from the world over came to participate in the Olympic Games. We conclude with a visit to the museum.
Hotel: Amalia Hotel, Delphi.
May 16: DELPHI
This wonderful day will be spent exploring Delphi, the 'center' of the Greek world. The ancient sanctuary is divided into three sections — Marmaria, the oracular sanctuary of Apollo proper, and the stadium. We visit each in turn before studying the rich collection.
Hotel: Amalia Hotel, Delphi.
May 17: KALAMBAKA
We travel to Kalambaka, to visit Meteora. Its spectacular monasteries are perched precariously atop huge columns of gray rock. Although hermits have occupied the caves of Meteora since the 11th century, it wasn't until Serbs invaded in the 14th century that the first monastery was built, by St. Athanasius.
Hotel: Kalambaka.
May 18: DION
We continue north today, stopping en route at the foot of Mount Olympus to visit the ancient city of Dion and its fine museum. We continue to Thessaloniki, Macedonia's most important port in ancient times. Strategically located on the Via Egnatia, Thessaloniki was the seat of Macedonia's Roman officials, and the city played host to both the Greek and Roman games well into the 3rd century CE.
Hotel: Electra Palace Hotel.
May 19: PELLA
Today is devoted to Alexander the Great and his father, Philip. We begin at the museum and site of Pella, where pebble mosaics were introduced. It was here, in the still-unexcavated palace, that Alexander was born. We continue to Vergina and Levkadhia to visit royal Macedonian tombs and magnificent treasures at the museum. We end today at the palace at Aigai.
Hotel: Electra Palace Hotel.
May 20: KAVALA
We tour the Old Town of Kavala, with its Ottoman houses, ramparts and aqueducts built in the 16th century under Suleiman the Magnificent. After visiting the museum we proceed to the ancient city of Philippi, a mainland colony of Thassos.
Hotel: Electra Palace Hotel.
May 21: THESSALONIKI
We begin at the Archaeological Museum, with its array of luxury vessels in precious metals, including the unparalleled Dherveni Krater and continue at the church of St Demetrius and Palace of Galerius. This afternoon we enjoy some time at leisure before gathering for our farewell dinner.
Hotel: Electra Palace Hotel.
May 22:
We fly from Thessaloniki to Athens to connect with our flights home.
May 2017
Prof. Gerry Schaus
May 2018
Prof. Gerry Schaus


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The objective of saving money is on the minds of every individual but the most difficult part is figuring out how to do it. The economy is continuing its struggle, and quite a few Americans are unable to set aside some money for the future. This job is particularly difficult for the millennial's who are facing an uphill battle because of the tougher job market and huge student-loan bills.
In order to have more money in a savings account means cutting back on unwanted expenses. However, it still isn't enough to make it possible for you to be in the clear. We decided to investigate further to understand how much people are managing to save within the United States, and our investigations revealed some surprising information.
While some people are accustomed to saving the others are required to work a little harder in order to build the habit. Our investigations revealed that a large number of Americans had little or no savings at all. Even the people that had no difficulties with saving earlier were setting aside less money presently than they did in the previous years. Now let us look at some of the figures we have uncovered.
Good health is not something we can buy. However, it can be an extremely valuable savings account. Anne Wilson Schaef
The Average American Savings For The Majority Is Zero
A staggering number of Americans have no cash within their accounts to fall back upon in times of difficulties. 26% among the adults have not set aside money for emergencies, and another 36% has yet to begin saving for retirement.
The Average Balance In Bank Accounts
Even as millions of Americans are living without any savings some have managed to set aside a few dollars within their checking account. The average balance in bank accounts is presently hovering around the $4500 mark.
What Is The Rate of Personal Savings Within The US?
The rate of personal savings within the US has declined from 10.5% in 2012 and is presently below 4.4%. The rate of personal savings is calculated as the average earning's people within the country are setting aside for a rainy day. The decline in the figures is proving that people are not providing significant attention to the matter of saving money.
Adults Without Bank Accounts
Setting aside money is a challenging task by itself but having no bank account makes the task even more difficult. Approximately 8% of American households do not have a bank account. When calculated in terms of the population of the country the figure amounts to over 10 million households, which are a staggering number.
Lack of Savings Is Making Americans To Live By the Paycheck
Approximately 40 million households within America are spending every dollar from their paycheck. The matter becomes even more surprising when it is considered that most of these households earn an income of around $45,000, which is a figure that is above the federal poverty level. It clearly indicates that people can save money if they begin to make an attempt, but for some reasons are not doing so and leaving themselves exposed to unwanted trouble.
The Top Savers Of The Country
When the matter relates to saving money it is the baby boomers that are leading the way. The population in the age group of 55 and above have a positive rate of personal savings, which is in the region of 13%.
The Worst Savers Within The Country
It is the younger generation and the individuals who are in the age group of 35 and below that have a rate of personal savings, which is in the region of -2%. These individuals are burdened with student loans and lower wages, which are offered making it impossible for them to save anything at all.
The figures spoken about do not provide any evidence that Americans have a positive attitude towards savings or perhaps the economic downturn and personal indulgences are making it difficult for them to safeguard themselves against economic disasters.
Do not leave yourself or your family unprotected against financial storms… Build up savings. Ezra Taft Benson
Financial experts do not have a definite figure for how much you need to save to safeguard against emergencies. However, they all agree that a cushion needs to be created in the form of an emergency cash buffer. If the current figures are considered it can be confirmed that most Americans do not have adequate protection for themselves, particularly for instances of acute emergencies. The figures are definitely not positive but there is no reason why Americans cannot cut backward on certain expenditure and build for themselves a cash buffer which they can fall back upon.


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CE Credit Hours for Psychologists. CE Credit Hours (CEUs) for LMFTs, Social Workers, Counselors and Nurses.CE Approvals by BBS-CA, ASWB, NBCC, NAADAC, CA-BRN & more.Zur Institute is approved by the American Psychological Association to sponsor continuing education for psychologists. Zur Institute maintains responsibility for this program and its content.
This course is offered as part of a Certificate Program
Addiction: From Substance Abuse & Chemical Dependency to Gambling & Internet Addiction 48 CE Credit Hours
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There is no mistake about why so many of us refer to Las Vegas as "Lost Wages". While initially romanticized as the playpen of the Brat Pack and a place for wealthy celebrities to throw their money down at a chance to win big, the contemporary reality of the soulless city has been reflected in films such as "Leaving Las Vegas" and "21". There are few, if any boundaries in Vegas, Atlantic City, Hong Kong, and other gambling meccas -- you can win or lose as much as you can stomach. It doesn't matter to casino owners whether you are a professional poker player or an addict who's embezzled corporate funds to do the deed.
This is an introductory course on gaming and gambling addiction. It consists of a short introductory video, an audiotaped interview, 8 articles and a PowerPoint presentation. The first six documents define, describe and review the etiology, subtypes, stages, diagnostic criteria and theories associated with gambling and gaming addiction. The ways in which pathological gambling resemble other addictions are noted, and the gambler's dry drunk syndrome is described. The articles which follow suggest ways in which public health interventions can be made to limit the potential for addiction, methods for the assessment and treatment of pathological gambling, and options for management of the gambling addict's financial issues. Resources and references for the gamblers, their families, and the clinicians who treat them are located at the end of the course.
Disclaimer: This course is purely educational and does not intend to serve as a license (or permission) to mental health professionals to prescribe or practice any of the approaches discussed in this course unless they fall within the scope of practice of your profession. Check with your licensing board about the scope of practice of your profession to make sure you practice within that scope. It also does not serve as a permission to title yourself in any specific way.
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Reuters Staff
1 Min Read
June 2(Reuters) - Shenzhen Centralcon Investment Holding Co Ltd :
* Says it appoints Ye Xiaodong as CFO
Source text in Chinese: goo.gl/qnmCSp
Further company coverage: (Beijing Headline News)
All quotes delayed a minimum of 15 minutes. See here for a complete list of exchanges and delays.
© 2017 Reuters. All Rights Reserved.


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John Palmer: Paramedics at scene of shooting treated as 'heart attack' face conduct probe
PARAMEDICS who arrived at the scene of gangster John "Goldfinger" Palmer's murder are being investigated over how his death was initially treated as due to natural causes.
John "Goldfinger" Palmer
East of England Ambulance Service confirmed an internal probe is underway to identify any possible failings by its staff who arrived at his £800,000 Essex home and treated his gunshot wounds as if it were a heart attack.
It was only six days later that Essex Police launched a murder probe after a post mortem examination found he had died from six shotgun wounds.
The ambulance trust said no staff had been suspended or placed on restricted duties during the inquiry.
A trust spokesman said: "I can confirm an internal investigation is underway.
"The ambulance service was called just after 5.30pm on Wednesday June 24 after reports that a man was in cardiac arrest.
"Our crews were on scene in nine minutes, but sadly despite their best efforts nothing could be done for the patient. As our normal processes, we alerted police who also attended.
"We understand that the incident is under an ongoing police investigation so it wouldn't be appropriate for us the comment further at this time, but we will of course work alongside Our police colleagues to assist with any enquiries they may have."
Palmer, once ranked 66th on the Sunday Times Rich List with an estimated £300million fortune, was said to be one of the country's most successful crooks with after masterminding a £30million Tenerife-based timeshare scam.
One of the last pictures taken of John Palmer before he died
The 65-year-old, who earned his nickname due to his role in melting down the bullion from the £26million Brink's-Mat robbery at Heathrow Airport in 1983, was once dubbed Britain's richest criminal.
His killing is currently being probed by murder detectives, after Essex Police faced criticism for originally ruling his death a "non suspicious."
At a 1987 trial Palmer convinced the jury he had not known the Brink's-Mat gold he smelted was stolen. He was later acquitted.
In May 2001 he was jailed for eight years at the Old Bailey for masterminding a timeshare swindle.
In July 2007 Palmer was arrested by Spanish police, on suspicion of fraud and money laundering in connection with the timeshare scam.
Palmer was charged by Spanish authorities in May this year with new fraud and money laundering offences and a firearms count, following an almost eight-year gap.
One theory over Palmer's death suggests he may have been about to turn "supergrass" before an upcoming Spanish fraud trial.
But if that were the case, no discussions between Essex Police and Palmer have been identified by the the Independent Police Complaints Commission (IPCC) as taking place "immediately" before he was killed.
Essex Pawn Stars in Brentwood, Essex
We understand that the incident is under an ongoing police investigation so it wouldn't be appropriate for us the comment further at this time, but we will of course work alongside Our police colleagues to assist with any enquiries they may have
Essex Police earlier this month referred itself to the IPCC following the blunder.
But the commission has referred it back to the force for an internal professional standards inquiry - but the case could go back before the commission.
An Essex Police spokeswoman said: "The referral in to the death of John Palmer has been returned to the force to look into locally.
"The professional standards department will now thoroughly examine the circumstances surrounding the initial police actions following Mr Palmer's death to set if there were any conduct issues."
An IPCC spokeswoman said its initial enquiries found no evidence of any immediate contact between Mr Palmer and Essex Police in the run up to his murder.
She said: "Following an assessment of the evidence provided, it has been recommended that the matter should be investigated locally by the police force.
Gold on sale via the Essex Pawn Stars shop in Brentwood run by Palmer and partner Christina Ketley
"This decision is based on the fact that there was no evidence of immediate police contact with Mr Palmer before his death, or identifiable conduct issues from the officers who attended the scene that would require the ongoing involvement of the IPCC.
"If any conduct issues are identified in the course of the local investigation, we would expect Essex Police to re-refer these for further assessment, which is in line with the usual process."
Earlier this month Express.co.uk reported how detectives were following several lines on inquiry into the murder, including Palmer's business dealings.
These included high-end pawnbrokers Essex Pawn Stars in TOWIE heartland Brentwood, which offered £100,000 loans, used luxury watches of up to £25,000, diamonds and gold bullion, as we exclusively revealed.
An inquest into Mr Palmer's death was opened and adjourned until later this year at Essex Coroners Court.
The coroners officer told the court: "On June 24 Mr Palmer was found collapsed in his garden.
"When investigated by the police this became a suspicious death.
"A post mortem examination was carried out at Basildon Hospital by Dr (Ben) Swift and a provisional cause of death given as gunshot wounds to the chest."
His body was not released by the coroner.


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Dad and sons charged after house fire kills two teenagers and six-month-old baby
POLICE have charged two brothers and their father with murder after three people including a six-month-old baby died in a house fire in Derbyshire.
Firefighters were deeply upset by the deaths
Peter Eyre, 43, and Anthony Eyre, 21, both from Sandiacre, and Simon Eyre, 24, from Long Eaton, have each been charged with three counts of murder, Derbyshire Police said today.
Teenage friends Edward Green and Amy Smith, and her daughter Ruby-Grace Gaunt, died when a fire broke at the house in Langley Mill in the early hours of Sunday.
The three were pronounced dead at the scene after suffering smoke inhalation.
Ms Smith lived at the house with her daughter and Mr Green, who lived in nearby Belper, was visiting the pair.
The fire was believed to have started at around 4am on Sunday.
Around six people are believed to have escaped the scene of the tragedy.
Specialist fire investigation officers have said they are working with police to find out cause of the blaze.
Amy Smith, and her daughter Ruby-Grace Gaunt, died in the blaze
For firefighters it is extremely difficult to accept this tragic loss of life
In a statement, Derbyshire's Assistant Chief Fire Officer Gavin Tomlinson said the deaths had had a deep impact on the fire and rescue service.
He said: "The fire service works tirelessly to ensure the safety of everyone in the community.
"For firefighters, who worked in exceptionally difficult conditions to try and rescue the deceased, it is extremely difficult to accept this tragic loss of life."
Around 20 neighbours rushed to help those in the building
Peter and Anthony Eyre, both of Central Avenue, and Simon Eyre, of New Tythe Street, will be kept in police custody until an appearance before magistrates in Chesterfield tomorrow.
The three were originally arrested on Tuesday.
A 17-year-old youth from Long Eaton who was also arrested in connection with the blaze has been released on bail.
Anyone with information to assist the inquiry is urged to call Derbyshire Constabulary on 101 or the Crimestoppers service on 0800 555 111.