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Student loan debt has become one of the largest classes of consumer debt in the country. In fact, it affects as many as 43 million Americans. According to a report from Forbes, student loan debt reached almost $1.5 trillion in early 2019, with the average borrower from the class of...

Gifting is a great financial planning tool, especially at the end of the year. Alhambra's Bob Williams goes through the basics.

So, you’re almost eligible for Medicare. For many who have struggled with health insurance since Congress passed Obamacare in 2010, going on Medicare is a step up from the expensive, high deductible, limited option plans available to them. But Medicare can be problematic too if you don’t know what...

You need more than a Will or Trust to round out your estate plan. Alhambra's Bob Williams lists other Must Have planning documents.

Call me crazy, but if I’m dealing with an employee of a company, who has been trained by that company, then that person should know their stuff and be able give me good information and good advice.   Well, that’s not the case when you deal with the Social Security Administration....

Estate planning, for the most part, is about what happens when you die. Who do you want to get your stuff? How and when do you want your estate distributed? Who will be in charge of carrying out your wishes?   Estate plans can even contain instructions for your funeral and...

Oh, you’ve seen it. Things that used to be popular fade away as they’re replaced by something newer, shinier, flashier, or more high-tech. Things like the Walkman, Pet Rocks, and Fanny Packs now exist only in the land of extinction, next door to the island of misfit toys. But a...

When it comes to Medicare, what option is best for you—Original Medicare or Medicare Advantage (MA)? Many people are drawn to Medicare Advantage plans, sometimes knowns as all-in-one plans, because they often combine healthcare with vision, dental, hearing, and drug coverage, something Original Medicare doesn’t do. But the Office of...

What’s that I hear? It’s very faint, but it sounds familiar. I cup my hand around my ear to hear better and, yes, I’ve heard it before. In the distance, there are shouts of “Abolish the IRS. We want a Fair Tax.” The idea of a Fair Tax was first...

It’s called a “My Social Security” account. It’s often thought of as something for people getting Social Security benefits. In reality, there are positives for anyone who’s working and paying Social Security taxes.   Protect Your Social Security from Identity Thieves Once you set up a “My Social Security” account, you’re protected....