Fraud? Did she say Fraud?

I love the fact that FINRA has created a set of tools to help you, and me, find fraud and fight it.

FINRA’s Fraud Center

FINRA provides a set of tools and explanations as  part of its campaign to  protect investors.

The idea is simple. If you buy customized essays levitra georgetown summary of a research paper propecia alopecia areata canada pharmacy viagra rewrite my paper https://statmodeling.stat.columbia.edu/movabletype/papers/the-f-word-firoozeh-dumas-essay.html spondylolisthesis operation video buy real viagra with a echeck http://ww2.prescribewellness.com/onlinerx/crestor-drug-category/30/ source url https://reprosource.com/hospital/donde-comprar-viagra-sin-receta-costa-rica/72/ freud vs erikson essay https://www.aestheticscienceinstitute.edu/medical/negative-effect-cialis/100/ anu thesis map what do i write my essay about here easybus geneva essay about music therapy see url http://www.chesszone.org/lib/writing-editor-1316.html https://harvestinghappiness.com/drug/where-can-i-get-viagra/66/ viagra mit paypal kaufen free 10 page essays https://explorationproject.org/annotated/essay-outline-purdue/80/ http://bookclubofwashington.org/books/hire-a-writer-for-an-essay/14/ go site formal analysis essay https://childbirthsolutions.com/sildenafil/can-i-take-claritin-with-crestor/20/ buy viagra in cyprus 282 https://bonusfamilies.com/lecture/death-of-a-salesman-research-paper/21/ edvard munch essay know more, you will be able to fight off fraudsters. So take a look at this site.

And if you are brave, check out the thing they call the  “fraud meter.” It measures how susceptible you are to fraud. Go ahead and take the test.
Scam Meter Don’t worry, it doesn’t hurt (anything but your pride)

Now, if this teaches you something, share it with your friends. Host a party and show a video that helps you and your friends protect yourselves from con artists. This show aired on PBS, so it is a good one. And you can get it for free. So start popping the popcorn and dust off your couch. And get your friends in to watch the show. Then discuss the issues among yourselves.

You will be glad you did.

Oh, and tell them Hot Flash Financial sent you.

Play on the internet and learn more

There are some really intriguing tool kits out there on the internet. They help us at  Hot Flash Financial help you  learn more, and get more control over your money and your future. So you  can become more financially secure. 

We like to recommend the sites developed by non-profits and research organizations, if not the U.S. government. They tend to be free, and they do not try to sell you anything.

Today’s recommendation: Take a look at NEFE’s (National Endowment for Financial Education) newly designed site. Be sure to explore the section called My Retirement Paycheck. This toolkit  helps you think about the kinds of  challenges you face, and the decisions you will need to make over the next 20-30+ years.

Take Social Security. We at Hot Flash  Financial encourage you to make a careful decision about the date you start your Social Security Benefits. Why, because you have more control than you probably thought you did. And Social Security is an very important part of most women’s income after age 65. So your decision about the age you start to take your benefits will have a very big  impact on your financial security. Social Security lets you decide to start to receive monthly checks when you are age 70, 66 or 62, or anywhere in between.

Why would you want to wait until age 70? Well NEFE points out that you will get a lot more dollars in your monthly benefit if you wait. How much more money? Oh, about 75% more than you would if you started at age 62. (That is almost, but not quite double the amount. So if you got $1,000 a nmonth at age 62, you would get $1,750 a month if you waited until age 70 to start your social security benefits. Now that might be worth waiting for.)

There are other really important  issues to consider. And NEFE puts them right up there for you to consider. What will be the best decisions to make about the money in your   retirement plan? What can you do about  medical insurance. What should you consider when you think about your home and  your mortgage? Pay it off? Or sell your home and downsize so you can take  the equity (or gain) and use it for income?

We at Hot Flash Financial encourage you to check out this site.  They have a format someone like ours. Ask yourself a question, and then get answers, right on the site.

So click around the web page devoted to retirement and your retirement paycheck. You will be glad you did.

Comment below so we can see what you think.

What will motivate you to ACT in your self interest! FEAR? RISK?

FEAR? Or the knowledge that you face some serious RISKS?  Will they motivate you to ACT in your own self interest? If they do, read on. Because we, at Hot Flash Financial want you to take action to improve your finances.

Do you know that you face a big risk, or even 2 risks?

  1. Because you are a woman in the U.S. today, you  are likely to live longer than a man. So you face LONGEVITY RISK. That is you RISK  running out of money before you run out of breath.
  2. Since you are going to live 30, 40, or maybe 50 years after your Hot Flashes start, you also face another risk–INFLATION RISK.  Why? Well, you know that, over time, prices always go up, rather than down. So the amount you will pay for food, electricity, cable, mobile phones and other things will go up in a decade or 3. So you will need more money 30 years from now to pay for the comforts you enjoy–electricity, heat, air conditioning and the things you have today.

Now don’t get fearful. Get ACTIVE. Work with Hot Flash Financial to combat these risks. Or at least manage these risks. 

At Hot Flash Financial we will give you a clear set of Steps to follow so that you can ACT to make you more financially secure. Use this site, use the steps we give you,

  • to increase your knowledge about your money and your finances.
  • to learn to think about your money in a different way.
  • to learn to CHANGE the ways you use money (after all Hot Flashes are also called “The Change”).
  • to begin to practice new skills, then get better and better at DOING the THINGS YOU NEED TO DO to be more financially secure.
  • to learn to laugh to release the tensions you might feel about money and the RISKS you face
  • to appreciate the joy that comes from increasing your control over money, while laughing your way to the bank and a secure future.
  • to enjoy the  the independence that money brings .

 

So work with us here at Hot Flash Financial. Set aside an hour  each week, to click on this site and  follow the steps we give you.

That is, if you want to reduce your RISK.

 

Because if you DO NOTHING, you INCREASE YOUR RISK exponentially.