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Why You Need Renters Insurance

by Jazmine on Saturday, April 15th, 2017

Many renters think of insurance for their homes as unnecessary, assuming that the landlord’s policy will cover them in the case of an emergency. However, if your things are damaged by a burst pipe or a fire, or taken in a burglary, without renter’s insurance, you’ve lost it for good. Not only that, but renters […]


Going Paperless – Part 4 – Get digital statements, bills and pay them electronically.

by Jazmine on Friday, February 10th, 2017

This is an article in a series.  You can find them here:  www.jazmine.com/blog This article is about automating your bill pay and getting your statements electronically.  You can then upload these documents into a system such as www.jazmine.com or others as I will discuss in the next article. Bills can come in digital form so […]


Going digital – Part 3

by Jazmine on Wednesday, February 8th, 2017

This article is third in a series.  Part 1 and Part 2 for context. You have decided!  You are ready to go into the digital realm.  Congratulations! Great news is that once you have set up your system the ongoing maintenance will be easy-peasy.  And, as you will see, the time investment upfront is totally […]


Why should you digitize your information? – Part 2

by Jazmine on Friday, February 3rd, 2017

This is a continuation of Why should you digitize your information? I want to be really clear. I am not talking about clearing out your inbox.  You can find tools for that including the idea of Inbox Zero and related technical tools such as XOBNI (which was acquired by Yahoo) or IQTell.  Entire books have […]


Why should you digitize your information?

by Jazmine on Wednesday, February 1st, 2017

Our information is increasingly getting digitized.  Our phones have fingerprint identifiers, our authentication systems are getting more and more sophisticated, our government records offices are partly digital now and will become increasingly so.  How many of us have stepped in a Post Office in the last three months?  How much do we rely on text […]


Planning for 2017 – An agile and scrum approach

by Jazmine on Thursday, December 22nd, 2016

I posted this onto my FB page and got a lot of comments.  So, I thought I would post it here too. It ‘s good way to plan for the next year.  When you plan, you are already half way home. I’d thought I’d share my process. Step 1:  Put down everything on your mind that […]


Consider Seniors, Disabled and Pets when creating your Emergency Plan

by Jazmine on Thursday, September 29th, 2016

If you or someone in your family has special needs, make sure you include their needs in your plan.  Or, perhaps you have pets.  Make sure you include their needs into your Emergency Plan. Seniors, Disabled and Special Needs If you or a family member is disabled or has mobility issues (using a Wheelchair, Walker, […]


Sign Up for Notifications in Case of an Emergency

by Jazmine on Wednesday, September 7th, 2016

Government agencies at local, state and federal level issue emergency or disaster notifications. These are also broadcast to all Television and radio stations who in turn broadcast it to you, the viewer or listener. In addition, many of these agencies issue Wireless Alerts in coordination with Wireless Carriers such as AT&T, Verizon, Sprint, etc. If you have […]


Why Planning Ahead for a Disaster is Important

by Jazmine on Friday, September 2nd, 2016

  Emergencies happen in many ways. It may be a glorious day to start with and then something happens to a family member – an accident perhaps, or the house caught on fire or it may be a natural event like a hurricane or tornado that you had some warning about. I hope nothing takes […]


Should you join the 20% of Americans who have a Living Trust?

by Jazmine on Wednesday, August 31st, 2016

Living Trusts have gotten popular among estate planners and attorneys. Is a Living Trust for you? Trusts are complicated instruments providing lots of flexibility for you to manage your assets while you are alive and “Rule from the Grave” after you die! What is a Living Trust? A Living Trust is an entity set up […]


How to set-up Guardianship for Minors

by Jazmine on Friday, August 26th, 2016

  This article primarily addresses establishing guardianship as part of estate planning and NOT the case of parents who are living but unable to “Parent”. Who is a guardian? A guardian is someone who has full legal responsibility for a minor child.  Guardians are appointed by a Court according to the wishes of the deceased […]


How to set-up Guardianship or Conservatorship for Adults

by Jazmine on Wednesday, August 24th, 2016

© Alexander Raths – stock.adobe.com Do you have elderly parents? Are you concerned about them getting Alzheimer’s or other forms of dementia or becoming incapacitated in the future?  Perhaps for yourself? Planning, especially in the early stages of your increasing incapacity can be very helpful to those who want to care for you. As your […]


What you need to know about creating a Networth Statement

by Jazmine on Friday, August 19th, 2016

Net worth is what you own that has value minus what you owe others. It is a snapshot of your financial situation at a moment in time. Net worth is an accounting term and it’s easy to figure out for a family or person. Hopefully, your net worth is on the plus side! The formula […]


How to help your Executor by being prepared – Part 2

by Jazmine on Wednesday, August 3rd, 2016

  Can you perform the Executor’s job yourself? If you are the surviving spouse or a child, you have many other things to do during an emotional time. Do you have the aptitude and motivation to see the Probate process through? As you might already know, the probate process can take anywhere from 4 months […]


How to help your Executor by being prepared – Part 1

by Jazmine on Wednesday, July 27th, 2016

  Let’s pretend that an unfortunate event occurs in your life, and you are pronounced dead. Now what? Your family and friends grieve from the loss, and hopefully, you took some actions while you were of “sane mind and body,” to manage your estates for inheritance. For example: You created your Last Will and Testament (LWT), […]


Do you need a Power of Attorney? What kind?

by Jazmine on Thursday, July 21st, 2016

Last week I had a discussion with a friend about Durable Power of Attorney (POA). She was under the impression that a Durable Power of Attorney lasts forever. She’s educated, has her paperwork in order, but had some misunderstandings about POA vs. Executor/trix which is prompting me to write this post. What is a Power […]


How to actually avoid a lengthy Probate – Part 2

by Jazmine on Wednesday, July 13th, 2016

How to actually avoid a lengthy Probate – Part 2 Part 2:  What assets pass outside Probate and how to set up and update them In last week’s post titled “Part I. What exactly is Probate and what is a Probate Court?” we covered: What does a Probate Court do? Who needs Probate? Why everyone? […]


How to actually avoid a lengthy Probate? – Part 1

by Jazmine on Wednesday, June 29th, 2016

You hear the word Probate and you feel like you are in a bad dream!  Probate can be challenging for a few, but for the vast majority of us, it’s actually not as bad as it’s made out to be.  Really! Consider This: unlike professionals, like lawyers and judges, you and I don’t expect to […]


Don’t think you need a Will? Think again.

by Jazmine on Thursday, June 16th, 2016

Ok.  It took me a while to figure out that everyone has a Will.  I discovered that every State has laws just in case you didn’t create one of your own Will!  A Judge will make decisions on your dead behalf, based on the laws of the State which you may or may not agree […]


Top 12 websites to check for Unclaimed Funds

by Jazmine on Wednesday, December 16th, 2015

Unclaimed Funds typically comprise of: Bank accounts, CDs Safe deposit box contents or if auctioned, funds from auction Stocks, mutual funds, bonds, and dividends Uncashed checks and wages including refunds and security deposits Uncashed tax refunds Insurance policies and trust funds Utility deposits and escrow accounts 1. Individual State Databases Start with the State where […]


How to find Unclaimed Funds

by Jazmine on Monday, December 14th, 2015

Over $42 Billion dollars in funds remain unclaimed in various Federal and States’ accounts! In New York State alone unclaimed funds reached over $14 Billion in 2015!  $445 million was paid out in 2015 alone.  According the NYS Comptroller’s office, over $1million in claims is paid out every day! Where do these Unclaimed Funds come […]


Why freezing your credit is a good idea

by Jazmine on Tuesday, December 1st, 2015

Why freezing your credit is a good idea A few years ago, I had the unfortunate experience of having my personal identity  stolen. I received invoices from several stores that I do not visit and a credit-denied letter from another store that I also do not shop at. I quickly realized something was wrong!  I […]


Having a Final Wishes Conversation

by Jazmine on Tuesday, November 24th, 2015

Having A Final Wishes Conversation The holidays are quickly approaching, and for many of us that means spending quality time with family and the people we care for most. It can also be a perfect opportunity to sit down with your elder loved ones and have a conversation that many people in this country avoid. It’s […]


Keeping Your Personal Records Accessible

by Jazmine on Wednesday, October 21st, 2015

Retaining paper files seems almost antiquated in 2015. And don’t for a second think it’ll be easy keeping all those forms, receipts and bills organized in grandma’s hand-me-down filing cabinet. Digitally copying paper files, and storing them to the cloud, will help you keep track of your information and sanity. Services like Jazmine.com scan and […]


Financial planning help: preparation and organization is key

by Jazmine on Tuesday, July 21st, 2015

Prepare to Prepare As you get older, and as your family grows, it’s important to take on the responsibility of establishing financial security for your loved ones in the years to come. At this point, you may have perused various financial planning websites to get some information and tips. Your kids may have even sat […]


Your Driver’s License – The Ubiquitous Document you can’t live without (in the US)

by Jazmine on Tuesday, July 14th, 2015

Do you know when your Driver’s License expires? You probably hand this document to people all the time and never actually look at it.  This happens when you use a credit card that you didn’t sign the back of and need to show your license for proof, or whenever you fly and have to show […]


Why do you need Advance Directives?

by Jazmine on Sunday, October 12th, 2014

An Advance Directive is a document that lays out your preferences for health care treatment, in the occasion that you are not able to make those wishes known yourself. While these situations can be unpleasant to think about, having a document like an advance directive can save your family a great deal of stress in […]


Questions to ask a Financial Planner

by Jazmine on Thursday, September 18th, 2014

Working with a financial planner or investment advisor can be an excellent way to ensure your are making sound financial decisions and planning well for your future. A good financial planner can help you calculate risks and rewards in different areas of your financial life–whether that means saving up to buy a house, investing your […]


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