October 2025
Cash Flow and Emergency Fund Optimization: An emergency fund is not just a defensive measure, it is foundational
While advanced tools and long-term goals attract attention, the foundation of financial stability lies in cash flow and emergency planning. Without sufficient liquidity, even the best investment strategies can unravel when unexpected expenses arise. The Case for Emergency Funds Most advisors recommend 3–6 months of essential expenses as an emergency buffer. In today’s climate of…
Read MoreThe Emerging Cybersecurity Threats in 2025 – What You Can Do To Stay Ahead
Contributed by Softchoice. Written by Abel E. Molina, Principal Architect, Security, Microsoft. Source: Cloud Security Alliance The landscape of cyber threats is evolving at a rapid pace, posing significant challenges for businesses, governments, and individuals. I felt it appropriate to list the top 10 emerging cybersecurity threats of 2025 and provide insights on how organizations can…
Read MoreHow and when to apply for Medicare
What is Medicare, and how does it work? Medicare is the federal health insurance program for people who are 65 and over. If you are under 65, you may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s Disease). Medicare is divided into four parts:…
Read MoreRemote Access Tools (RATs) can give criminals control of your devices
Schwab has identified a recent trend where fraudsters have been using Remote Access Tools (RATs) in combination with phishing attacks to compromise digital devices like mobile phones, tablets, laptops and desktops. These RATs are tools that are used for legitimate purposes—IT support for example. However, bad actors can abuse them to steal assets and data.…
Read More3 Required Minimum Distribution (RMD) Rule Changes Retirees Must Know Before 2026
Written by Trevor Jennewine for The Motley Fool Key Points Required minimum distributions (RMDs) on tax-deferred retirement accounts start at age 73 for individuals born between 1951 and 1959. The Secure 2.0 Act eliminated RMDs on Roth 401(k) plans and Roth 403(b) plans during the original account holder’s lifetime. RMDs must generally be completed by…
Read MoreCybersecurity Awareness Month: 10 things to know in 2025
Cyberattacks are on a steep rise. Over the past four years, their average weekly number has more than doubled: from 818 per organization in the second quarter of 2021 to 1,984 in the same period this year. In the last two years alone, the global average number of weekly attacks encountered by organizations grew by 58%.…
Read More