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Power of attorney: a hedge against the ‘what ifs’

Though none of us like to think of the "what ifs" from a negative perspective, it serves us all well to be prepared in case of the worst happening.

A "power of attorney" (POA) is a legal document that gives another person the authority to act as your legal representative or agent either immediately or at some date in the future.


Surprise! It’s retirement time

In a 2012 survey, 50 percent of current retirees said they retired earlier than they had planned, up from 45 percent in 2011.

Many retirees reported reasons that were beyond their control, such as health problems or disability, company downsizing or closure, changes in the skills required for their jobs, or having to care for a spouse or family member.


4 ways to avoid paying for hotel Wi-Fi

While finalizing your travel arrangements, whether for business or pleasure, you want to make sure Wi-Fi is available at your hotel. Some hotels are able to offer Free Wi-Fi throughout the hotel property, while others charge for connection in the room only. Why is that? Because many hotels make deals with media vendors to provide per-pay television programming inside your hotel room.


  • Written by Jacqueline Lawson

Another option for Internet crowd funding

With the passing of the JOBS Act of 2012, small businesses will have greater access to capital through Internet crowd funding. The basic concept is to raise money via an online funding portal through small contributions from a large number of people that wish to support the dreams and efforts of others.

Last week, we discussed two Internet crowd funding models – "All or Nothing" or "Keep it All." Another category includes raising funds for business ventures by either giving up some level of equity in the venture or by obtaining interest bearing loans.


How much life insurance do you need?

In a recent study, 40 percent of consumers responded that they don't have enough life insurance to meet their families' long-term needs.This concern raises an obvious question: How much life insurance is enough? What might be appropriate for a family with two young children and a stay-at-home spouse could be significantly different from the needs of a working couple whose children are grown.


How to raise capital via Internet crowd funding

How to raise capital via Internet crowd funding

(Last week we discussed 'Shark Tank' and the televised opportunity to request funding from shrewd venture capitalists. But there are even more creative ways to raise much needed money.)

Earlier this year, the JOBS (Jumpstart Our Business Startups) Act of 2012 was signed into law to increase the delivery of capital to smaller entities, creating more jobs. It was the fruit of a rare bipartisan effort linking the House, Senate and President Obama.