Author Archives: Alicia Butera

What is AD&D Insurance?

Dear Alicia, I have the ability to buy AD&D Life Insurance at work. The coverage would cost me less and I would get a higher death benefit than the Term policy I currently have. Should I buy it? I don’t understand the difference? – Insurance Irene  Dear Irene, In general, life insurance is purchased to give those who are dependent on your income a lump sum of cash upon your death so they can sustain their current lifestyle. An AD&DRead More

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We’re “Official.” Now What?

Dear Alicia, We’re getting married soon and are wondering if there are any particular financial steps we should take once we’re “official?” -Ned and Nancy the Newlyweds Congrats Ned and Nancy! Getting married is an exciting and hectic time. Here are the financial steps you should be taking once you are “official.” Goals Start by discussing your financial goals now and in the future. Do you want to buy a home, start planning for a baby, or create an emergencyRead More

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Credit Lock v.s. Freeze. Don’t Get Fooled.

Dear Alicia,  I have been following your newsletter telling me that credit freezes will now be free. The other day I was watching television and saw an advertisement for Experian’s Credit Lock Services. Should I sign up for that instead of the freeze? It sounds exactly the same to me. Thanks, Credit Craig Dear Craig, Great question! A credit freeze and a credit lock are two separate services. They are very similar but do have distinct differences. Credit Lock: InstantRead More

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6 Estate Planning Mistakes to Fix Now

When estate planning is done wrong, it can create havoc on heirs after a family member passes. Estate Planning is not a fun topic to discuss, but it is an essential part of financial planning. The only way to keep your plan in good condition is to review it regularly yourself and every five years by an attorney. Brianna Bocian, the owner of and estate planning attorney at the Law Offices of Brianna Bocian in San Diego is helping usRead More

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Credit & Debit Cards to Use Abroad

Are you traveling abroad this summer and unsure which of your “plastic” you should bring with you? Travel is already a luxury but it can get even more expensive when each purchase is racking up additional fees. Recently I went to Asia and did some research of my own. Hopefully, this will help you decide which of your cards you should bring, what fees you should know about, and when to use a debit card versus a credit card. CreditRead More

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PWR’s Cash Flow System

To take control of your financial life, you have to be organized, and the most effective tool for this is a budget. We created the PWR Cash Flow System to help our clients and readers get started with an easy-to-use solution to track their spending. Start by downloading the excel found here on our downloads page. You can also watch a video on how to use this sheet on our YouTube page. The excel file has three tabs shown atRead More

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