Attorney Kate Cavanaugh-Forte
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Category Archives for Finances

Get Back into Your Work Groove

The holidays were great. Time off, food, family, friends and parties. Work-eh not so much. Here are a few strategies to use to get back into the work groove after taking a vacation or time off from work. Re-establish your routine right away.  Whether that means going to bed by a certain time, getting up early […]

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5 Step End of Year Checklist

We all make resolutions this time of year. Here’s a quick checklist for some financial resolutions. 1. Income Plan One simple thing you can do to save money is review all of your insurance policies: health, home, life, automobile. Could you make coverage changes that would reduce your premiums? On the other hand, a mistake […]

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How to Retire without any Savings

If you started saving late or not at all, here are some tips on how to secure a pension. 1. The Career Plan If you pick a career where benefits are good and a pension plan is provided, you can retire with a comfortable guaranteed income and never save a penny along the way. The longer […]

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Now is the Time to Refinance

Interest rates have dropped yet again.  Fixed-rate mortgages are well under 4 percent, the average for a 30-year fixed-rate refinance was 3.45 percent, and 2.74 percent for a 15-year fixed-rate refinance, according to Bankrate. What does this mean for you? It could be a way to cut your monthly payments, lower your term or tap […]

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IRS Scammers getting Bolder

Tax day may be over but not for these scammer. The IRS is reporting a huge uptick in IRS scams all over the country. Law enforcement officials from Rhode Island to Kentucky to Hawaii are warning taxpayers that IRS impersonation scams are on the rise – and those scammers are becoming more aggressive. This week, […]

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Top 8 Scams and How to Prevent Falling Victim

We are all targets when it comes to scammers. We are all potential victims. As in most things, your best defense is a good offense. Be aware of what scams are circulating and where. Know when to hang up the phone. Here is a list of the Top 8 Scams circulating now. And some tips […]

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IRS Phone Scam Keeps on going

The IRS Phone Scam has been going on for 2 years and shows no sign of slowing down. In this rip-off, imposters call, pretending to be from the IRS, claiming you owe tax and must pay immediately or lose your driver’s license, your business license, face deportation or go to jail. The scam has been […]

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Tax Tips

The tax deadline is over but many of us file extensions so there is still time to figure out how to pay less.  Never assume that your Social Security retirement benefits are tax-free. All of your Social Security benefits won’t be taxed, but depending on how much money you’re generating in retirement, it’s possible that […]

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How to find the Best Financial Planner

What should you look for when shopping for a financial planner? A referral from a friend is always great or another professional that you trust, like a lawyer. You should also look at their professional designations and how much they charge. Look for professional designations: Anyone can call themselves a financial planner. You can find […]

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5 Step End of Year Checklist

We all make resolutions this time of year. Here’s a quick checklist for some financial resolutions. 1. Income Plan One simple thing you can do to save money is review all of your insurance policies: health, home, life, automobile. Could you make coverage changes that would reduce your premiums? On the other hand, a mistake […]

Continue reading