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First, you have to cover the basics

Most people are concerned with “beating the market” when what they should be concerned about is covering the basics: having an adequate cash reserve for things that come up, paying off high-interest loans and credit card debt; insuring against loss of income and loss of assets; and proper documents if they become unable to make their own...

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Easy ways to avoid probate

Nobody wants to pay more than they need to, especially when it comes to matters of estate planning. And when you die, like most people you’d probably prefer your hard-earned money go directly to your heirs, instead of the court system. Jay Nabors, who works with his wife, Linda, at Nabors & Nabors, the Strongsville-based law firm where...

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Retirement secrets revealed

If you’re just beginning your career, retirement may seem like a long time away. However, insists Gary Cerasi, CPA, owner of Creative Business Strategies, the earlier you start to save, the better chance you have of accumulating sufficient funds to last you through a comfortable retirement. Here, Gary discusses the best strategies: Q:...

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Here's why critical illness protection is important

With medical technology constantly evolving, the likelihood of a person surviving a critical illness or injury is greater than it ever has been. But while your health can rebound from a major diagnosis, your finances often cannot. With higher insurance deductibles and most people living paycheck to paycheck, even if you are able to pay your...

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How to keep your pet cool in the dog days of summer

As the temperatures and humidity levels in Northeast Ohio continue their climb, imagine having to navigate the heat of summer while wearing a fur coat. Ugh. Dogs and cats don’t have the luxury of removing their “coat” to cool off, and exposure to excessive heat can pose risks like sunburn, heat stroke, exhaustion, dehydration and...

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