david lerner associates

david lerner associates

David Lerner Associates: Money, Stress and Financial Planning
October is Financial Planning Month. Even though the economy is recovering, money is still the number one source of stress affecting the health and lifestyles of most Americans.

David Lerner Associates: What is the Future of Social Security?
The future of Social Security has received a lot of publicity lately, especially when the candidates for President of the United States debated each other about how they would propose solving the looming problem of potential Social Security insolvency.

David Lerner Associates: What Is "Operation Twist"?
Over the years the investing world has come up with some unique and creative names to describe various investment and economic scenarios. Operation Twist refers to a current Federal Reserve monetary policy in which the Fed purchases long-term bonds and sells short-term bonds in an effort to bring down long-term interest rates and stimulate economic growth.

David Lerner Associates: 2016 Financial Planning Checklist
As we near the end of the year it makes sense to start planning for the New Year. Here is a Financial Planning checklist you can use to prepare for 2016.

David Lerner Associates: 4 Financial Planning Tips
The future of a person's family, as well as their own safety and security, may be at risk if the right steps are not taken to ensure financial stability.

David Lerner Associates: New Card Chip Technology Questions
This month the U.S. is instituting the new EMV (Europay, MasterCard and Visa) chip technology in credit and debit cards to help stem the tide of fraud and identity theft that results from hacking and security breaches.

David Lerner Associates: Protect Yourself from Identity Theft
It has been called the "crime of the 21st century." We’re talking about identity theft, which has become one of the fastest growing crimes in the U.S., according to the Identity Theft Resource Center.

David Lerner Associates: Don't Overlook These Tax Deductions and Credits
Tax time is right around the corner. Now is the time to start getting all your tax materials and paperwork in order so you won't be scrambling the week before April 15.

David Lerner Associates: Five Things You Should Share With Your Investment Advisor
The more information you share with your investment advisor about your personal financial situation, the more equipped your advisor will be to help you meet your financial and investment goals.

David Lerner Associates: Tax Law Patches the AMT Permanently
The payroll tax holiday that was in effect for 2011 and 2012 was not extended for 2013 and as a result, most workers' take-home pay is now lower than it was at the end of 2012.

David Lerner Associates Sponsors Long Island Philharmonic Summer Concert Series
David Lerner Associates is proud to mark their fifth year of sponsoring the Long Island Philharmonic and its Summer Concert Series, Music Under the Stars.

David Lerner Associates: The Trap of the Lawsuit Frenzy
We live in a very litigious society. Every day the courts are choked up with a plethora of suits filed against individuals, companies, and even the government.

How to Treat Employees Right
David Lerner Associates recently placed near the top of a list of best places to work in New York State, based on surveys of company employees, workplace practices, and other pertinent information.

David Lerner Associates Staff Give Blood for Injured FDNY Firefighter
The Syosset Fire Department and David Lerner Associates sponsored a blood drive on Tuesday, January 31st, to benefit FDNY Firefighter Robert Wiedmann, who was severely burned while battling a Brooklyn fire in December.

David Lerner Associates: Grandparents and College: Be Careful not to Jeopardize Financial Aid
As we discussed in a recent article, some families are turning to grandparents to help ease the burden of paying for a college education.

David Lerner Associates: Choosing Which Financial Records to Keep
It is important to always keep critical documents and records safe and secure but accessible in a time of need. Particular documents and records are too vital to retain in an ordinary file drawer.

Response to FINRA Ruling on Muni/CMO Pricing Matter
On 4/4/12, David Lerner Associates received the opinion of the FINRA hearing panel on the municipal bond and CMO pricing matter. David Lerner Associates and Mr. Mason will appeal this decision; look forward to vindication at a fair and impartial hearing..

David Lerner Associates: Four Financial Strategies for Young Adults
As they graduate from college and begin their careers, many young people often discover that the “real world” is very different from what they thought it would be based on the glamorous images of the make-believe lives of 20-somethings on some TV shows and in some movies.

The David Lerner Associates Investment Philosophy
The David Lerner Associates investment philosophy is based on the belief that somewhere between the extremes of investments with very low levels of volatility and risk and investments with high degrees of volatility and risk, there lies a sensible middle ground.

David Lerner Associates Hosts 3rd Annual Charity Car Show
David Lerner Associates, a financial investments company with corporate headquarters in Syosset, NY, recently partnered up with the Centurion Cruisers Car Club to host the 3rd Annual David Lerner Associates Charity Car Show. The event raised $3,500 to benefit the Nassau-Suffolk Chapter of the Autism Society of America. This amount was matched by David Lerner, resulting in a total donation of $7,000.

David Lerner Associates Deems Dennis DeYoung Concert a Huge Success
DeYoung, famous for his work as a founding member and lead singer of the rock band Styx, held his concert at John Burns Park in Massapequa on Friday, July 27. It was the first of three 'Music Under the Stars' events sponsored by that David Lerner Associates and the Town of Oyster Bay.

David Lerner Associates to Sponsor Long Island Philharmonic Concert in East Meadow
David Lerner Associates, a financial investment company headquartered in Syosset, NY, will be sponsoring a free summer concert by the famous Long Island Philharmonic Orchestra at Eisenhower Park in East Meadow.

Princeton Branch of David Lerner Associates to Host Blood Drive
The event is being held in partnership with The University Medical Center of Princeton at Plainsboro (UMCPP), part of the Princeton HealthCare System and will benefit their patients

David Lerner Associates: Four Common Investing Mistakes to Avoid
As you formulate your investing strategies for the year, it might be helpful to think about some investing moves that you probably shouldn't make.

David Lerner Associates Employees Participate in Blood Drive to Help Fellow New Yorkers
David Lerner Associates, a financial investment company, recently hosted a blood drive in partnership with the New York Blood Center at their corporate headquarters in Syosset, NY.

David Lerner Associates to Host Veterans Suit Drive
David Lerner Associates, a financial investment company headquartered in Syosset, N.Y., will be hosting a Veterans Suit Drive in partnership with The Save-A-Suit Foundation.

David Lerner Associates to Host Blood Drive at Princeton Branch
The Princeton, N.J. branch of David Lerner Associates, a financial investment company headquartered in Syosset, N.Y., will be hosting a blood drive on Monday, December 10 from 3:00 p.m to 8:00 p.m. All donations will benefit University Medical Center patients

David Lerner Associates Announces the Proposed Sale of Apple REIT Six Inc. to BRE Select Hotels Corp
David Lerner Associates, a financial investment company headquartered in Syosset, NY., recently welcomed the Apple REITs Companies' announcement of the proposed sale of Apple REIT Six, Inc. (the "Company" or "Apple Six"), a real estate investment trust (REIT), to BRE Select Hotels Corp, an affiliate of Blackstone Real Estate Partners VII. The total transaction value, including transaction costs and the assumption or repayment of Apple REIT Six, Inc. debt, is approximately $1.2 billion.

David Lerner Associates : Will Your Taxes Go Up In the New Year?
As things stand now many Americans are facing a tax increase beginning in 2013. This pending tax increase has been referred to as "the 2013 fiscal cliff" and "Taxmageddon" by some pundits, who are concerned that it could threaten the fragile economic recovery.

David Lerner Associates : Slowing Down in Retirement May Not Be an Option
If a recent survey of middle-class Americans is anything to go by, the age of 80 may very well be the new 65 when it comes to retirement.

David Lerner Associates: 2013 Social Security COLA Less Than Half of 2012 Amount
The Social Security Administration (SSA) announced that the Social Security cost-of-living adjustment (or COLA) for 2013 will be just 1.7% -- less than half of the adjustment that was made for 2012.

David Lerner Associates - Black Swan Investing: Counting on Catastrophe
Investors have a name for those once-in-a-blue-moon events that rock investment markets--whether it’s the collapse of the Greek economy or the 9/11 terrorist attacks. Events like these are referred to as Black Swans

David Lerner Associates: Why Long-Term Care Insurance Costs Are Up
According to the American Association for Long Term Care Insurance (AALTCI) prices for new long-term care policies increased by as much as 17 percent in 2012.

David Lerner Associates: Why You Could Be on the Hook for Your Parent's Long-Term Care
Call it the new baby boomer challenge, but adult children may very well find themselves legally responsible for the costs of their aging parent’s long-term care.

David Lerner Associates : The College Debt Dilemma - Avoid Debt In the First Place
Many families depend on student loans in order to send their children to college. A better option for many students and families is to try to avoid student loan debt in the first place.

David Lerner Associates: Does it Cost More to Be a Woman?
Women face a number of financial challenges that appear to be unique to their gender. These go beyond earnings-an area where, according to the U.S. Census Bureau women still tend to lag behind men, on average - to the area of credit card management and even everyday purchases.

David Lerner Associates: Financial Resolutions In Your 70s
Evey year we make New Year's resolutions. Here are three suggestions for New Year's financial resolutions for individuals in their 70s.

David Lerner Associates: Gender Differences- does it cost more to be a woman?
Does it cost more money to be a woman in the U.S. today than it does to be a man? A study conducted earlier this year by the FINRA Education Institute suggests that in a couple of areas the answer may be yes.

David Lerner Associates: Women and Financial Literacy
Recent studies indicate that we may be facing a financial literacy crisis in the United States today. This is somewhat ironic, given that the world of finance and investing is arguably more complex today than ever before.

David Lerner Associates: The Crisis in Women’s Financial Literacy
The word "crisis" seems to be used very loosely today, but it might be the right word when it comes to the current state of financial literacy among U.S. adults.

David Lerner Associates: How to Close the Financial Literacy Gap
One of the most concerning findings of the Financial Finesse study is a reversal in what was a positive trend with regard to women paying off credit card debt. Between 2009 and 2011, women made steady progress in paying off credit card debt in full, but this trend changed course earlier this year.

David Lerner Associates: Financial Literacy, the Gender Gap
This is the third in a series of articles discussing the importance of financial literacy for women.Several recent studies have suggested that there may be a significant “gender gap” between men and women when it comes to financial literacy. This may even include women with college degrees.

David Lerner Associates: Beyond Politics - Women and Financial Literacy
There is one topic some people say hasn't received a lot of attention from either party during the political season -- the "gender gap" between men and women when it comes to financial literacy.

David Lerner Associates: Retirement Plan Contribution Limits Increasing for 2013
Each year the federal government considers making inflation adjustments to the maximum amount of money that can be contributed annually to qualified retirement plans like Individual Retirement Accounts (IRAs) and 401(k)s. The IRS announced that the annual contribution limit for IRAs would be increasing in 2013 for the first time in five years.

David Lerner Associates : Ready for Retirement?
In 2011 the first wave of baby boomers hit the traditional retirement age of 65. Over the next 19 years another 10,000 baby boomers will turn 65 every day, according to the Pew Research Center

David Lerner Associates: Inheriting a Retirement Account
Inheriting a retirement account can feel like winning the lottery. That's the good news. The bad news is that not following the hard-and-fast rules governing inherited retirement accounts can result in much of that windfall going to the taxman.

2013: David Lerner Associates Offers Smart Financial Steps for the New Year
2013 has just begun. Many Americans dutifully made their New Year's Resolutions in January, but many have already broken or forgotten about them before the calendar turns to February.

David Lerner Associates Announces the Sale of Renowned Turner Watercolor
Joseph Mallord William Turner's watercolor 'Hampton Court Palace' (1829) was sold for $1,666,000.00 by The Great Art Fund III, LLC. David Lerner Associates was the sole placement agent.

David Lerner Associates: Should You Buy or Rent Your Home?
Home ownership has often been called "the American dream." But this dream turned into a nightmare for many Americans a few years ago when the real estate bubble burst and housing prices plunged in many areas of the country.

David Lerner Associates: QE, QE2, QE3 -Deciphering the Code
You may have heard these terms used recently when it comes to the economy but have no idea what they mean. If so, don’t feel bad --outside of economists and professional investors, many Americans are fuzzy about their actual meaning and relevance.

David Lerner Associates Class Action Lawsuit Dismissed
David Lerner Associates, Inc. a privately-held securities broker/dealer based in Syosset, NY, announced today the complete dismissal of the class action lawsuit In re Apple REITs Litigation 11-cv-02919 (E.D.N.Y). The court dismissed all federal securities law claims as well as the state law claims against David Lerner Associates. Inc.

David Lerner Associates: Should You Take A Lump Sum Pension Offer?
Recently, some large U.S. companies have offered to buy out the pension benefits of their workers and retirees by giving them one-time, lump-sum payments instead.

David Lerner Associates: Will Social Security Support You In Retirement?
Since it was originally established in 1935 under the administration of Franklin D. Roosevelt, Social Security has undergone a number of revisions that reflect changes in the make-up of American society.

David Lerner Associaties: Are You Robbing Retirement to Pay for College?
Many families today are faced with two competing long-term financial goals: saving for retirement and saving for their children's college educations.

David Lerner Associates: Seven Things You Might Not Know About Medicare
You probably know that Medicare is the federal government's health insurance program for Americans who are 65 years of age and over.

David Lerner Associates : How Grandparents Can Help Save For College
With the cost of college continuing to rise faster than the rate of inflation, getting a college degree has become increasingly difficult for many American families. Some families are turning to grandparents to help ease the college savings financial burden

David Lerner Associates: Six Vital Documents All Adults Should Possess
Part of being a "grown-up" is making sure that you have in your possession a variety of important documents.

David Lerner Associates Welcomes Merger of Apple Six into BRE Select Hotels
David Lerner Associates Was Exclusive Broker-Dealer for the $1.2 Billion Offering.

David Lerner Associates:What You Should Know About ATM Skimming
Using Automated Teller Machines has become commonplace among Americans today..

David Lerner Associates: Are you living beyond your means?
A report recently released by the U.S. Census Bureau paints a mixed picture when it comes to household debt in the U.S..On the positive side, the percentage of households holding some form of debt declined between 2000 and 2011 — from 74 percent to 69 percent.

David Lerner Associates: Seven Myths About Rollovers Debunked
One decision you have to make when changing jobs is what to do with the money you’ve accumulated in your company retirement account (e.g., 401[k], 403[b] or 457 plan).

David Lerner Associates: National Financial Capability Study Reveals Shortcomings
In May, the FINRA Investor Education Foundation released its annual National Financial Capability Study.

David Lerner Associates: What You Should Know About Social Security Disability
When they hear the term "Social Security," many people think of the federal program that pays retirement benefits to most Americans who have worked during their lives.

David Lerner Associates Announces Launch of Spirit of America Income & Opportunity Fund
The fund, officially launched on Independence Day, features an aggressive approach to income-oriented products along with the flexibility to take advantage of opportunities based on changing economic conditions.

David Lerner Associates: It's A Matter of Trust
As we discussed in a recent article, the confidence level of Americans in their ability to save enough money to retire comfortably is at a record low level, according to a recent report from the Employee Benefit Research Institute (EBRI).

David Lerner Associates: Financial Capability Study Sends Mixed Messages
A recently released major financial study revealed some good news and some bad news with regard to how Americans handle their finances.

David Lerner Associates: Life Without Credit Cards: Is It Possible?
Credit cards have become such an ingrained part of financial life in 21st century America that it's hard to imagine living without one.

Small Business Week: Executive Bonus Plans Boost Employee Retention
Employee retention is a primary goal for many small businesses. Not only is it expensive to replace employees, but high employee turnover can be damaging to workplace morale and customer service.

David Lerner Associates: Watch Out for These Retirement Derailers
If you have ever seen a train derailment, even if it was just one in a movie that was created by special effects, you know how destructive it can be. The sponsor of a recent survey that was designed to gauge the retirement readiness of Americans used the term “retirement derailers” to describe the destructive effect that unexpected financial emergencies can have on Americans in the critical pre-retirement years.

David Lerner Associates: 6 Strategies to Help You Save a Million Bucks
To many Americans, the thought of saving $1 million dollars over the course of their lives is a little overwhelming. It seems like such a large sum of money — and it is — that people often shrug off the goal of saving this much for retirement as unattainable.

David Lerner Associates: Do You Have a Zombie 401(k)?
Zombies have become all the rage recently with the popularity of movies and TV shows like Zombieland and The Walking Dead. But there’s a sort of financial zombie that can cause very real harm to your retirement plan: the “zombie 401(k).”

David Lerner Associates: Financial Mistakes Young People Should Avoid
In a recent article, we offered some financial tips for new college graduates as they head out into the “real world” to find jobs and support themselves, often for the first time in their lives. In this article, we take a look at the flip side — below are five financial mistakes that young people should try to avoid.

David Lerner Associates to Host Blood Drive at Princeton Branch
This is the sixth blood drive to be held in partnership with The University Medical Center of Princeton at Plainsboro (UMCPP), part of the Princeton HealthCare System.

David Lerner Associates: What Is Chained CPI — and Could It Affect You?
You may have heard or read the term “chained CPI” but aren’t sure exactly what it means — or more importantly, whether it’s something that might affect you. Chained CPI made the news headlines recently when it was revealed that President Obama’s 2014 budget includes a provision that would change the way inflation is measured when calculating annual cost-of-living adjustments (or COLAs) for Social Security.

David Lerner Associates: How to Spot Counterfeit Bills
Counterfeiting is becoming a growing problem in the U.S. as advances in printing and computer technology have made it easier for thieves to produce fake money that at a glance look very real. The federal government has undertaken efforts to help educate citizens about how they can tell the difference between real and counterfeit bills.

David Lerner Associates: Many U.S. Seniors Facing Severe Income Shortages
A recent analysis of data from the U.S. Census Bureau indicates that seniors in every state except for two are living off of incomes that are lower than the level of retirement income that many financial planners often recommend.

David Lerner Associates: Legislation Rolls Back Student Loan Interest Rates
In late July, Congress passed legislation to roll back the increase in student loan interest rates that took effect earlier in the month. This legislation ties student loan interest rates to the financial markets, instead of allowing Congress to set these rates, as they have in the past. On August 9, 2013, President Obama signed the bill into law.

David Lerner Associates: How to Teach Your Kids About Money
Schools have certainly changed a lot since the song School Days was written over 100 years ago, but one thing that hasn’t changed is the fact that there are still very few schools that teach children about personal financial management.

David Lerner Associates --How Safe Is Your Pension Plan?
Some financial and retirement experts are recommending that workers and retirees who are dependent on pension plans do some "what-if" scenario planning to gauge how well prepared they might be for a possible cut in their pension benefits.

David Lerner Associates Announces Upcoming Financial Seminars
David Lerner Associates, a private securities broker/dealer headquartered in Syosset, NY, will be presenting five “Sensible Middle Ground of Investing” financial seminars free of charge to the public in October.

David Lerner Associates: Watch Out for These Utility Scams
It seems that there's no shortage of different kinds of scams thieves have come up with to try to bilk honest individuals out of their money. Two recent schemes revolve around the payment of utility bills.

David Lerner Associates: How to Give Money to Family Members Without Incurring Taxes
Many people aren't aware that gifts to family members could be subject to federal gift taxes. The American Taxpayer Relief Act (the legislation passed on January 1, 2013, that averted the so-called fiscal cliff) raised the top estate and gift tax rate from 35 to 40 percent.

David Lerner Associates: Watch Out For the Grandparent Scam
A new type of scam has recently popped up that specifically targets seniors. It’s called the "grandparent scam" and it hits seniors where many are potentially most vulnerable: their love for their grandchildren

David Lerner Associates: The Importance of Building an Emergency Savings Fund
Many personal financial planning experts suggest that individuals make building an emergency savings fund one of their top financial priorities, More than a quarter of Americans do not have any emergency savings at all.

David lerner Associates: How Framing Affects Social Security
Many people do not realize that when it comes to Social Security they have a choice of when to begin receiving their retirement benefits.You don't have to wait until you're 65.

David Lerner Associates: Steps for Paying off Your Student Loans
Many young adults have voiced complaints about the burden of their student loan debt. The average amount of money owed on student loans is now $25,000.

David Lerner Associates: Identity Theft Fraud Tips
Reports of the rise in identity theft are in the news all the time, yet many people think it will never happen to them. This article contains some helpful tips on how to avoid becoming the victim of identity theft and fraud.

David Lerner Associates: Four Credit Tips for Seniors
Some seniors mistakenly believe that since they are older and perhaps in retirement it is not as important to maintain a strong credit score as it was when they were younger and still working. But this couldn't be further from the truth.

David Lerner Associates -Mortgage Changes Coming in 2014: Should You Buy Now?
Historically low interest rates have made the past few years a good time to buy a home for many Americans. Some fundamental changes occurring in the mortgage market in 2014 could make it more difficult to buy a home.

New Year's Financial Housekeeping: Have You Created a Living Will?
With the New Year approaching it's a good time to take care of some financial housekeeping items that may have slipped through the cracks of your financial planning -- such as a living will.

David Lerner Associates: Financial Resolutions in Your 30s
This is the time of year when many people make their New Year's resolutions. Take the time to also make a few financial resolutions

David Lerner Associates: Financial Resolutions in Your 50s
After a lifetime of diligently saving you're getting closer to the day when you hope to actually enter into and enjoy the retirement.

David Lerner Associates: Financial Resolutions in Your 60s
In order to retire at age 65 you will likely need to have accumulated a sizable retirement nest egg by the time you reach your early 60s.

David Lerner Associates: Financial Resolutions in Your 80s
New Year's financial resolutions that may be appropriate for individuals in their 80s.

David Lerner Associates: Watch Out for the Grandparent Scam
A new type of scam has recently popped up that specifically targets seniors. It's called the "Grandparent Scam," and it hits seniors where many are potentially most vulnerable: their love for their grandchildren.

David Lerner Associates: Review Your Life Insurance Needs
New Year's Financial Housekeeping: do you have life insurance-- and is it enough?

David Lerner Associates: How to Spot Signs of a Credit Card Fraud Offer
The recent major data security breach at Target brought the topic of debit and credit card fraud front and center. But this type of fraud isn't limited to just the theft of sensitive data from cards.

David Lerner Associates : Tips to Protect Against ATM Skimming Scam
Using Automated Teller Machines has become commonplace among Americans today. But many people aren't aware of an ATM scam that could end up costing them big-time.

Utility Bills Scam Alert from David Lerner Associates
Two recent scams revolve around the payment of utility bills - one offers a Federal support payment and the other presents the bill as overdue and demands immediate payment..

David Lerner Associates: Financially Speaking, Women and Men are Different
Women have never been in a better position to achieve financial security for themselves and their families.Women need to take advantage of this position and educate themselves about finances.

David Lerner Associates: Review the Safety of your Pension Plan
In the wake of Detroit's bankruptcy filing some public and private sector workers and retirees in other cities are reviewing the security of their pensions.

David Lerner Associates: Review Your Financial Resolutions for the New Year
Review what might be on your list of financial resolutions this year. And instead of calling them New Year;s resolutions, regard them as smart financial steps that you can take to help get and keep your finances on track this year.

David Lerner Associates: Review of Common Money MIstakes
Most people try to avoid making major mistakes when it comes to managing their money. Even the most savvy money managers aren't immune from making a few blunders.In this review we examine five common personal financial and money management mistakes.

5 Ways to Become an Olympic Retirement Saver
It took many years of hard work, dedication and training for Olympic athletes to reach the pinnacle of athletic achievement.In some ways saving for retirement is similar to training to compete in the Olympic Games

David Lerner Associates: Should You Consider a Mid-Life Career Change?
More and more people in their late-40s and 50s today are learning new skills and acquiring the training and education they need to start new careers at this relatively late stage of their lives.

David Lerner Associates News: Five Ways to Power Up a Life Insurance Generator
David Lerner Associates identifies five key areas that can be "powered up" by plugging into a "life insurance generator".

David Lerner Associates News: Are Municipal Bonds a Smart Investment in 2014?
Municipal bonds have long been popular investments among some individuals due to their tax-free status and income-generating properties. Earnings from muni bonds are generally exempt from federal income tax, as well as state and local income tax for residents in the state in which they live.

David Lerner Associates: Beware the Tax Identity Theft Scam
As we enter the height of tax-filing season ther have been complaints about another kind of identity theft scam: tax identity theft. Here thieves try to steal your personal information in order to submit fraudulent tax refund claims with your information on them to the IRS

David Lerner Associates News: Seniors, Do You Have to File a 2013 Tax Return?
Depending on the amount of their gross income, their filing status and their age, some seniors might not have to file a federal income tax return this year.

David Lerner Associates News: 4 Important Facts About the Affordable Care Act
Although there have been a number of changes to the Affordable Care Act (commonly known as Obamacare) in recent months the ACA's major provisions still remain in force.

David Lerner Associates News: What Should You Do With Your Tax Refund?
Many people view their tax refund as free money. A tax refund is your money that you essentially loaned to the government by having more tax withheld from your paycheck than was necessary.

David Lerner Associates: Complaints about Hidden Medicare Costs
Some seniors have complaints that despite what they thought would be the case, Medicare does not cover all of their healthcare costs..

David Lerner Associates News: Complaints at Tax Time
About this time of year is when complaints about paying taxes often grow the loudest. One reason why is because many people are starting to gather all of their tax paperwork in preparation for the April 15 tax filing deadline.

David Lerner Associates Plans for 24th Long Island Police Appreciation Run
This annual charity event has supported Long Island police officers and their families for over 20 years.

David Lerner Associates News: 2014 Social Security COLA Is.1.5 Percent
In October the SSA announced that the Social Security Cost-of-Living (COLA) in 2014 will be 1.5 percent, down slightly from the 1.7 percent increase in 2013.

David Lerner Associates: Social Security Decisions
As you near retirement when to claim your Social Security benefits is one of the biggest decisions you’ll need to make. With pensions disappearing Social Security remains the major source of guaranteed lifetime retirement income for most Americans.

David Lerner Associates News: Is a College Degree Still Worthwhile?
Many Americans are starting to question the value of a college degree. A recent study seems to indicate that a college degree is indeed worthwhile.

David Lerner Associates News: 5 Financial Goals Before You Reach 40
The 40s are generally considered to be the beginning of middle age. It's a critical stage for setting yourself up financially for the second half of your life

Women and Wealth Management: Is There a Gender Gap?
A new study conducted by Boston Consulting Group indicates that women believe they receive a lower quality of wealth management service than men do.Over half (55 percent) of the women who responded said their wealth manager could do a better job of advising them than he or she was currently doing.

David Lerner Associates News: Elder Poverty Is Projected to Rise
The Social Security system "is facing serious financial problems, and action is needed soon to make sure the system will be sound when today's younger workers are ready for retirement."

Are 529 Assets Subject to Medicaid Spend-down Requirements?
Unless future legislation exempts 529 plans from Medicaid rules it would be wiser to assume that these assets could be subject to the state's grasp.

David Lerner Associates News: Four Personal Finance Tips for New College Graduates
According to the National Center for Education Statistics, more than 1.6 million students who will graduate from college this year will not be ready to be financially independent

David Lerner Associates: How to Reduce Your Living Expenses During Retirement
Cutting down on your spending is one of the best ways to make your retirement savings last longer.

David Lerner Associates: Review Common Retirement Planning Mistakes
And about half of Americans say they are actively saving for retirement, with about one-third saying they haven't saved any money yet for their future retirement.

David Lerner Associates Sponsors 'Music Under Stars' Concerts
David Lerner Associates will once again sponsor three individual Music Under the Stars outdoor concerts in the Town of Oyster Bay on Long Island.

David Lerner Associates: Three Potential Retirement Plan Options for Small Businesses
Many small business owners think that they can't afford to offer a retirement plan to their employees. However, this often isn't the case.

David Lerner Associates: Early 401(k) Withdrawals: A Troubling Trend
When people take money out of their 401(k) plan early, not only are they paying a heavy price in penalties and taxes, but they're also potentially jeopardizing their future retirement security.

David Lerner Associates: 3 Steps to Help Prevent Financial Fraud
Research shows older Americans are especially vulnerable to fraud. Here are three strategies to help distinguish between legitimate and fraudulent investment opportunities.

David Lerner Associates: Women and Estate Planning Basics
When it concerns estate planning females have unique concerns. The fact is that women live approximately 4.8 years longer than men.

Small Business Week: What Women Should Know When Starting a Business
Women-owned companies are growing much faster than every other segment of new business in our economy. There are some crucial factors for women to consider when starting a business.

David Lerner Associates Helps Support Local Family in Mourning
David Lerner Associates recently presented a check to the family of late Nassau County Police Department Detective Michael Kearns, who passed away from Leukemia in mid-July.

David Lerner Associates 5th Annual Charity Car Show
The proceeds from the 5th Annual David Lerner Associates Charity Car will benefit the Nassau-Suffolk Chapter of the Autism Society of America.

Spirit of America Launches Energy Fund
Spirit of America's New Energy Mutual Fund is offered exclusively at David Lerner Associates, a privately-held securities broker dealer headquartered in Syosset, New York.

New FINRA Report: Financial Fraud Is On the Rise
Even though fraud solicitations are widespread many say they cannot identify classic red flags of financial fraud.

David Lerner Associates: Funeral Insurance May Be Necessary, But Watch Out for Scams
Funeral insurance is a way to spare your loved ones the financial burden of needing to pay for your final expenses. Here is some helpful information about funeral insurance and how to avoid scams.

David Lerner Associates: Making Sense of Bond Yields and the Yield Curve
When it comes to investing in bonds, among the first factors to consider is yield, but what exactly is "yield?" The answer depends on how the term is being used.

David Lerner Associates: Is Bitcoin Just a Trend or the Future of Currency?
It's hard to use a currency when you're not sure from day to day whether the amount in your virtual wallet is worth enough to buy a Range Rover or a tank of gas.

David Lerner Associates: Are You Planning to Work During Retirement
As employees near retirement age, more and more plan to work at least some of the time during the course of their retirement years.

David Lerner Associates: Evaluating Risk Tolerance
All investments have some level of risk, and if you're planning to invest your money, it's important to become familiar with how much volatility you can endure.

David Lerner Associates: How can I defend myself from identity theft?
The most effective way to protect yourself from identity fraud is to try to prevent it from happening in the first place. Here are some tips.

David Lerner Associates: Fraud Tips for Older Americans
David Lerner Associates: Fraud Hits Older Americans Hard. Now that the majority of seniors are active online, scammers are targeting them. Here are some tips to avoid falling victim to their scams.

David Lerner Associates: Reasons Why Women Require Life Insurance
Women have more financial responsibilities now more than ever before. Whether you are single, married, employed, or a stay-at-home mom, you most likely need life insurance.

David Lerner Associates: A Retirement Income Roadmap For Women
It is essential to become involved in retirement planning even if you're married. Many women end up single at some time in their lives due to divorce or death of a spouse.

David Lerner Associates: Why Certain People Claim Social Security Benefits Early
There are many reasons people decide to claim Social Security retirement benefits at the earliest possible age of 62 according to a recent General Accounting Office report.

David Lerner Associates Hosts Save for Retirement Week Seminars
October 19- 25 is National Save for Retirement Week. The purpose of this week is to raise public awareness about the importance of saving for retirement.

David Lerner Associates: College Savings Plans: 529
Section 529 college savings plans are tax-advantaged college savings vehicles and one of the most popular ways to save for college today.

David Lerner Associates: Rollovers
Use this rollover guide to help you decide where you can move your retirement dollars.

David Lerner Associates: How to Resolve Retirement Income Shortfalls
Without prudent planning and a commitment to saving now to make that happen, millions of older Americans find themselves with an income shortfall.

David Lerner Associates: Financially Speaking, Women and Men are Different
Women today have never been in a better position to achieve financial security for themselves and their families. What financial course will you chart?

David Lerner Associates: National Family Caregivers Month
As National Family Caregivers month draws to a close this week, David Lerner Associates takes a look at the ways to prepare, in case you have to be a family caregiver in the future.

David Lerner Associates: Financial Considerations for Family Caregivers
Caring for your aging parents is not only an emotional burden it may also be a financial one. It will depend on how well off your parents are and how much caring for them costs.

David Lerner Associates: Mutual Fund Fundamentals
We often hear that an investment portfolio should include a mutual fund. But what exactly is a mutual fund?

David Lerner Associates: Retirement Planning Numbers for 2015
Every year the IRS adjusts retirement plans and IRA limits for inflation. Many of the limits eligible for a cost-of-living adjustment (COLA) have gone up for 2015. Some of the key numbers for 2015 are shown here.

David Lerner Associates: Holiday Credit Card Fraud Alert
The 2015 holiday shopping season is almost upon us. Here are some tips to help avoid credit card fraud and keep your financial data secure this holiday season.

David Lerner Associates: Mutual Fund Basics
There are many mutual funds to choose from. The two most common types are stock mutual funds and bond mutual funds. Find out more in this article on Mutual Fund Basics.

David Lerner Associates: New Vets Pension Rates Released
The U.S. Department of Veterans Affairs (VA) provides a tax-free, supplemental pension to qualifying wartime veterans and their families.The latest MAPR rates, effective December 1, 2014, are available on the U.S. Department of Veterans Affairs website.

David Lerner Associates: Distribution Funds - Putting Revenue on Autopilot
As baby boomers retire, they begin to focus less on accumulating assets and more on how those assets may be converted into an ongoing stream of income. Distribution funds are one way to simplify that method.

David Lerner Associates: Credit Traps for the Unwary
It's hard to imagine functioning in today's society without access to credit. However, one has to be careful not to fall victim to some of the pitfalls associated with it.

David Lerner Associates: Raising Capital for Your Business
Every entrepreneur knows that adequate financing is vital to the success of a business. Failure to acquire adequate funding often determines whether a business can get off the ground, not to mention whether it can sustain itself into the future

David Lerner Associates: Fighting Fraud And Identity Theft with New Technology
Retailers are finally stepping up their game. The United States in in the process of replacing its current 'swipe and sign' card technology with a more secure technology called EMV, which is short for Europay Mastercard and Visa.

David Lerner Associates: 6 Reasons to Work with a Financial Professional
No matter what stage of life you're in you could probably benefit from working with a financial professional. Here are six reasons why.

David Lerner Associates: Women's Health Care in Retirement
At any age health care is a priority. But when a person retires focus on health care is more important than ever before. This is especially true for women.

David Lerner Associates: Does it Cost More to be a Woman in 2015?
Many areas of women's lives are in the spotlight during International Women's month. One important factor that has still not been achieved in the US is financial equality - as witnessed by the responses to Patricia Arquette's passionate plea for equal pay for equal work in her acceptance speech at the 2015 Oscars

David Lerner Associates: The Gender Gap in Wealth Management
According to a study that performs research on financial trends in the US, women have made good progress in many areas of financial literacy, but there is still a gender gap when it comes to investment and wealth management.

David Lerner Associates: Women and Estate Planning Basics
When it comes to estate planning, women have unique concerns. Women live an average of 4.8 years longer than men, so there's a greater chance that they'll need their assets to last longer, and they have a greater need to plan for incapacity. It also means that women need to take responsibility for their own estate planning.

David Lerner Associates: Switching Professions? Take Your 401(k) and Roll It
Sometimes, you have no alternative - you need to use the funds. If so, try to minimize the tax impact. For example, if you have nontaxable after-tax contributions in your account, keep in mind that you can roll over just the taxable portion of your distribution and keep the nontaxable portion for yourself.

David Lerner Associates: Are 529 assets subject to Medicaid spend-down requirements?
Right now this issue has been largely ignored by state laws. But unless future legislation exempts 529 plans from Medicaid rules, it would be wiser to assume that these assets could be subject to the state's grasp.

David Lerner Associates: Analyzing Estate Planning and Income Tax Basis
Income tax basis may be essential when deciding whether to make gifts now or transfer real estate at your death. The income tax basis for the person receiving the property depends upon whether the transfer is by gift or at death.

David Lerner Associates: Loans are a Primary Financing Sources for a Business
There are many sources of financing available to a business owner. Consider all options carefully before making any decisions. The following list of loan sources should provide some ideas.

David Lerner Associates: Tax Scams
The IRS recently released its annual list of tax scams. The list reminds tax payers to use caution and avoid becoming victims of fraudulent tax schemes.

David Lerner Associates: Asset Allocation
As you transition into retirement, your priorities for and demands on your portfolio are likely to be different. Your asset allocation strategy will probably be different than the one you used when saving for retirement.

David Lerner Associate:: Women and Finances
Women tend to live longer than men, so most women are likely to be responsible for their own financial welfare at some point in life. So it's important for women to understand their financial options.

David Lerner Associates: The Economic Rebound
It's been nearly six years since the official end of the Great Recession. Now, finally, Americans have reasons to feel upbeat about their financial prospects. Key economic indicators are signally progress for the US economy..

Women and Retirement Planning
National Retirement Planning Week is of particular interest to women. Because their careers are often interrupted to care for children or elderly parents, women may spend less time in the workforce and earn less money than men in the same age group.

David Lerner Associates: Equity Financing Sources
Every business needs capital – either to get started or to fund operations and expansion. Here are some ideas for equity financing sources.

Checklist for Older Americans Nearing Retirement
The first wave of the 75 million baby boomers in the US has already reached retirement age, and it's not too far off for the rest.

David Lerner Associates: Healthcare Considerations for Older Americans
At any age health care is a priority. Older Americans tend to focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the doctor for preventive tests and routine checkups.

David Lerner Associates: Making Portfolio Withdrawals
When planning for retirement income you'll need to determine your portfolio withdrawal rate, decide which retirement accounts to tap first, and consider the impact of required minimum distributions.

Planning for Earned Income in Retirement
Most people these days are not going to achieve the sort of lifestyle that was envisioned for retirement even a decade ago. Many folks now retire from their regular job and then start a business of their own or work part time.

David Lerner Associates: Trust Basics
With a trust you can control how your assets are distributed once you've passed on or perhaps help you plan for the possibility of becoming incapacitated. The power of a trust lies in its versatility--there's a type of trust for almost every situation.

Older Americans Month: Retirement Income Needs
Older Americans Month is a good time to focus on how well prepared Baby Boomers are for retirement. A good retirement plan should start with establishing the annual income requirement needed to retire.

David Lerner Associates: Issues Unique to Older Americans
Many Americans may view getting older with mixed emotions. While retirement is generally something to look forward to there's also the concern about the cost and availability of health care and the worry about what might happen if one becomes unable to live and care for oneself independently.

Understanding Social Security
Social Security is one factor in retirement planning for millions of Americans. But Social Security is now much more than just a retirement program. It's scope has expanded to include other benefits such as disability, family,, and survivor's benefits.

Older Americans Month: How Much Retirement Income Will you Need?
The first wave of 75 million baby-boomers (those born between 1946 and 1964) in the US are reaching retirement age. Older Americans Month is a good time to focus on how well these boomers are prepared for retirement.

Older Americans: How Secure Is Social Security?
Older Americans who are already retired or close to retirement age probably have nothing to worry about - Social Security benefits will likely be paid to them in the amount they planned on (at least that's what most of the politicians say). But what about the rest of us?

How Divorce Affects Social Security Retirement Benefits
No matter how carefully one plans for retirement, unexpected events can occur that change the situation. One such challenge is divorce.

David Lerner Associates: New Chip Technology in the News
The data breaches at major retailers in the U.S. have increased in recent years. As a way to counteract these data breaches, many U.S. credit card companies have started implementing a more secure chip-card technology called EMV (which is short for Europay, Mastercard, and Visa)

David Lerner Associates: Social Security Survivor's Benefits
Although planning for what happens to your estate and your assets after you die is not something anyone likes to think about, it's a necessary part of one's financial planning.

David Lerner Associates: Protect Your Family
One of our greatest assets is the ability to earn income. Most fathers provide for their families' needs and should this ability be interrupted or taken away it could mean serious problems for the family.

David Lerner Associates: Your Credit Profile
Your credit profile can make a big difference in your financial life, not only for a major purchase like a home or car, but also for college loans, credit card terms and insurance premiums.

David Lerner Associates: Saving for Retirement
With thousands of investment possibilities and the complex rules governing retirement plans, most people don't even know where to begin.

Retirement Savings Challenges for Women
While women have more opportunities than ever before they often face unique obstacles that can make saving for retirement a challenge

David Lerner Associates: 4 Myths and Facts about Social Security
Social Security is an important source of retirement income for most Americans. But it may be unwise to rely too heavily on Social Security, because to keep the system solvent, some changes will have to be made to it

David Lerner Associates; Probate Pros and Cons
Estate planning is not a subject most people like to think about, but it's something everyone should consider.

David Lerner Associates: Millennials vs. Boomers Gap
There is a generation chasm between Millennials and Baby Boomers. Their use of technology and their choice in music and culture may be very different. But there is one area in which they are not so different: financial planning.

David Lerner Associates: Key Issues for Older Americans
While retirement is generally something to look forward to there's also the concern about the cost and availability of health care and the worry about what might happen if one becomes unable to live and care for oneself independently.

David Lerner Associates: Planning for Marriage
If you are planning for marriage you're faced with the enormous responsibility of combining your personal finances with your spouse's and reassessing the way you and your spouse structured personal finances as unmarried individuals.

David Lerner Associates: Indexed Universal Life Insurance
There are several types of life insurance - one that you may not be so familiar with is called Indexed Universal Life Insurance. (IUL)

David Lerner Associates: Financial Planning Lessons for Educators
No matter what stage of your career you're in, working with a financial professional who understands an educator's special concerns could be beneficial.

David Lerner Associates: Repaying Student Loans
For those students graduating in June there is a new and exciting life ahead. One of the responsibilities that many graduates face is repaying their student loans.

David Lerner Associates:Life Insurance at Various Life Stages
Just as financial needs change over time, so too does the need for life insurance change with new circumstances. Let's look at how your life insurance needs change throughout your lifetime.

Give Your Children a Basic Financial Education
Kids today are very financially aware - even before they can count. As soon as they are old enough to handle money, teach them the basics of how to handle it wisely.

David Lerner Associates to Sponsor Three 'Music Under the Stars' Concerts in the Town of Oyster Bay
The free summer concerts are sponsored by David Lerner Associates to bring the community together to enjoy great music and beautiful weather.

David Lerner Associates: Coping with Fraud and Identity Theft
Whether they're snatching your purse, diving into dumpsters, stealing mail, or hacking into computers, identify thieves are a reality and can cause havoc with your financial life.

Financial Aid: 529 Plans and Your Family's Future
If thinking about joining a 529 plan, or if an account is already in the cards, understanding more about how 529 funds will affect a child's chances of receiving financial aid is a smart move.

David Lerner Associates: Education Tax Credits
Summer is most often thought of as a time for fun and relaxation. If your child is one of the 21 million heading to college in the fall it's also likely to be a time for financial planning. There is one aspect that could lighten the load - education tax credits.

Financial Planning Helps You See the Bigger Picture
No matter what the goal is - owning a new home, traveling to exotic locations, driving a nice car, starting a business or retiring comfortably - there is always a price tag attached.That's why financial planning is so important.

Life Insurance Protects Loved Ones
Your life insurance needs will depend on a number of factors, including whether you're married, the size of your family. the nature of your financial obligations, your career stage, and your goals.

David Lerner Associates: How to Deal with Student Loans
Many people who borrow money to get a higher education vaguely remember signing a piece of paper every year at college registration time. Repaying student loans as quickly and easily as possible is the best way to move forward into a more secure, less stressful future.

David Lerner Associates: Women and Work
Why salary, benefits and work-life balance count. Now that women make up a large part of the workforce it's important for women to take charge of their career path and financial rewards.

David Lerner Associates 24th Annual Long Island Police Appreciation Run
This annual event has successfully supported Long Island Police Officers and their families for more than 20 years.rs

David Lerner Associates:: Life Insurance and Estate Planning
In the past many families have viewed life insurance primarily as a way to pay for funeral expenses, but it's become much more than that today. Now it's seen as an integral part of estate planning.

Optimizing Your Social Security Retirement Benefits
Optimizing your Social Security retirement benefits means getting the best return possible on each dollar you've contributed to the system over the years

Making the Leap from High School to College
If your child is leaving for college in the fall you're probably worrying about their ability to make the leap from high school to college. For many, it can be quite an adjustment - especially if they are leaving home for the first time.

David Lerner Associates: Insurance Issues for Married Couples
It may seem like an odd thing to worry about when you are just starting out together, but the lack of adequate insurance protection can lead to financial disaster in the future

David Lerner Associates: The College Application Process
Summer is almost over and there is much to look forward to as we move towards the fall. This is also the time of year when many families are embroiled in the college application process.

How to Establish or Increase a Cash Reserve
Cutting back on discretionary spending can help you establish a cash reserve goal sooner and will form a habit that serves you well in future years.

David Lerner Associates: The Sensible Middle Ground of Investing
Investors in the stock market have been on somewhat of a roller-coaster ride recently. It is one thing to experience the thrill of a sudden drop at the fairground but quite another when it's your investments that take a tumble. We believe in something that we call the 'sensible middle ground of investing.'

David Lerner Associates: Property Ownership Issues for Married Couples
When you get married there are many financial issues that should be discussed and resolved. How to structure ownership of property is one such issue.

Four Things Women Need to Know about Social Security
The very first retirement benefit check was issued in 1940 and since then women have been relying on Social Security to provide much-needed retirement income.

David Lerner Associates: Women and Asset Protection
Due to a decision to remain single, divorce or loss of a spouse, many women find themselves having to take charge of their financial affairs.

Apple Hospitality REIT, Inc. Acquires Courtyard by Marriott in San Diego, CA
Apple Hospitality REIT, Inc. (NYSE: APLE) {"Apple Hospitality" or the "Company") today announced that it has closed on the previously announced acquisition of a 245-room Courtyard by Marriott in San Diego, CA for a purchase price of $56 million, for approximately $229,000 per key

David Lerner Associates: 3 Financial Tips for Seniors
Studies show that the retirement age in America in creeping upward as many seniors choose to keep working longer. The easing of Social Security restrictions on earning income has also contributed to the trend.

College Savings - Think Ahead
More than 20 million young Americans are headed off to college this month. According to the 2015 Sallie Mae How America Pays for College report, a national study of college students and parents, families spent on average $24,164 for college in the academic year 2014-2015

David Lerner Associates: Housing Options for Older Individuals
As we grow older many of our needs (and wants) change. Children grow up and move away. Raking leaves from the lawn of the large house purchased 30 years ago to provide space and recreation for a family is probably no longer top of the list of things to do..

How Millennials are Changing the Student Loan Cycle
91 percent of millennial parents are determined not to perpetuate the loan cycle with their children. This is considerably higher than other generations - 76pecent of parents ages 36-45 and 74 percent of parents ages 46-55 said that debt caused them to use other strategies to cover college costs.

David Lerner Associates: Financial Challenges Widows Face
Women in the US are 3X more likely to lose their spouse than men. Becoming a widow at any age can be one of the most challenging events a woman can face.On top of the emotional loss there is also the burden of suddenly handling everything--including all the finances--on your own.

David Lerner Associates: 5 Financial Lessons for College Students
Millions of young Americans will be leaving home for the first time this fall. Along with many other freedoms they'll experience, they will also have to manage their own finances, probably for the first time.

Women Need to be Proactive about Finances and Retirement
Relying on your husband to take care of the finances and retirement income was an accepted practice in the past. Today women have to take a new approach to their financial future. Relying on a spouse's income and savings is no longer a risk-free option.

Three Things That Can Derail Your Retirement
The American Dream - work hard and retire comfortably at 65 - is more of a dream than a reality for most seniors. A new GAO analysis finds that among households with members aged 55 or older, nearly 29 percent have neither retirement savings nor a traditional pension plan.

Connect Your Financial Goals to the Rest of Your Life
Most Americans strive for a fulfilled life - a good job, a nice home,, a family, and a bright future. However, statistics show that this American Dream is not a reality for far too many.

Women Business Owners Still Face Financial Challenges
Although the number of women-owned businesses is on the rise, they still face some financial challenges. The Census Bureau's Survey of Business Owners shows that while women own 36 percent of businesses in the U.S. only 11.3 percent of the sales revenue generated went to female-owned businesses.

Comprehensive Financial Planners are Better Off
October is Financial Planning month. Why should we pay attention to financial planning? A report by Princeton Survey Research Associates International reveals that there is a direct correlation between affluence and financial planning.

David Lerner Associates: Why College Saving is Important
A college education can be an expensive proposition. Although many students take out loans to cover their education costs, this can be a financial burden for years to come.

David Lerner Associates: A Financial Plan that Works
A financial plan that works is important at any age, but it's essential for those approaching retirement age.

David Lerner Associates: No Social Security COLA Hike in 2016
Retirees who depend on Social Security and Medicare are in for a disappointing year in 2016. There will be no cost of living allowance (COLA) increase next year.

David Lerner Associates: How to Outlast Market Ups and Downs
We've all heard stories of the wild fluctuations in the market during the Great Recession. How do you outlast these fluctuations and feel confident that the money you're working so hard to save will provide the comfortable retirement you're planning for.

David Lerner Associates: Free Financial Planning Tools
Financial Planning Month is a good time to try out some of the apps and software that can help you get your finances in better shape. These free tools should help you keep your finger on your financial pulse.

David Lerner Associates: 3 Financial Resolutions for your 30s
As the year winds down it's wise to get in financial shape and set goals for the future. There are a few financial milestones you should aim for in your 30s

David Lerner Associates: Financial Planning in your 40s
October is Financial Planning month so it's a good time to take stock of your future goals and put plans in place. These three resolutions should be on your list if you are in your 40s

David Lerner Associates: Financial Planning in your 50s
There are financial challenges in every decade. These three financial resolutions address the challenges that are common in your 50s.

Five Smart Retirement Strategies for Entrepreneurs
Retirement is not always top of the list of concerns for entrepreneurs. In fact, nearly 40 percent of small business owners in the U.S. don't have a retirement strategy at all.

David Lerner Associates: Financial Planning in your 60s
In order to retire at age 65 you will likely need to have accumulated a sizable retirement nest egg by the time you reach your early 60s.

David Lerner Associates: Credit Card Pitfalls
Every year in October bankers visit local classrooms on National Get Smart about Credit Day. The idea is to educate kids about the "credit facts of life."

David Lerner Associates: Women Entrepreneurship Gains Support
Women in business is a trend which is gaining ground in today's marketplace. Over the past twenty years women have outscored men in startups by 150 percent.

David Lerner Associates: Three Steps to Help Prevent Financial Fraud over the Holiday Season
International Fraud Awareness Week aims to minimize the impact of fraud by promoting anti-fraud awareness and education. Financial fraud has become a part of almost everyone's life.

David Lerner Associates: The Best Place to Work Might be at Home
As technology advances and removes the barriers to remote work, telecommuting jobs are on the rise. The number of people working fro home is expected to increase by 63 percent in the next five years.

David Lerner Associates: Scholarships and College Savings
As the cost of a college education continues to climb, paying for it has become a major family expense. Many couples report starting a college fund shortly after their baby is born.

David Lerner Associates: Five Ways to Prepare for Small Business Saturday
"Shop Small & Local" is a successful campaign that brings neighborhoods together and helps generate business for local entrepreneurs on the Saturday after Thanksgiving..

Apple Hospitality (APLE) announces 2015 4Q and annual earnings conference call
Apple Hospitality REIT, Inc. announced today that it plans to report fourth quarter and full year 2015 financial results after the market closes on Thursday, February 25, 2016, and host a conference call for investors and interested parties on Friday, February 26, 2016, at 9AM Eastern Time, to discuss the results.

David Lerner Associates: Your Financial Mindset and Stress
According to the American Institute of Stress, over 70% of people experience physical or psychological symptoms caused by stress. The cost of daily living; bills, kids, jobs... this is the stress we tend to ignore or push down.

David Lerner Associates: How to Retire Wealthy
If you're under 40, your most valuable asset isn't youthful vigor or a full head of hair. It's time. Retirement is decades away, and contributions to a 401(k) or other retirement plan will have years to compound and grow.

David Lerner Associates: How to Track Your Net Worth
Making financial progress involves keeping track of your net worth, even if knowing that number is of a reality check. When you know your net worth, you can set a realistic financial goal. In the digital age, tracking your net worth is less complicated than it once was.

David Lerner Associates: Five Common Financial Mistakes
Your current financial situation is a combination of every decision relating to money you've made in the past. If you're like most people, you have had very little or no coaching, so you're just learning as you go.

David Lerner Associates: How to Build an Emergency Fund
Creating a healthy emergency fund can be a lofty and intimidating goal. But in these uncertain economic times, such a fund is needed more than ever yet almost two-thirds of Americans are not prepared to for unexpected expenses.

David Lerner Associates: National Entrepreneurship Week: Millennials vs Boomers
As America focuses attention on entrepreneurs this week, one of the troubling statistics is the slow decline of startups. Census data and other studies show that the number of companies less than a year old had declined as a share of all businesses by nearly 44 percent since 1978. As every entrepreneur knows, starting a new business can be very challenging. It requires talent, skill, and resources.

David Lerner Associates: Sound Investment Strategies
Building a healthy investment portfolio requires some well-thought-out strategies and a smart investment mindset. It requires financial literacy. Whether you are a new investor or a seasoned veteran, here are some tips that could improve your chances of a creating a successful investment portfolio.

David Lerner Associates: New Study Reveals Who is Investing in Women
Bloomberg recently unveiled a study that investigates what the big financial players are doing to promote gender equality.

David Lerner Associates: Finances, Health, and Credit Can Affect Your Love Life
A recent survey by Nerdwallet showed that 60 percent of women ranked a potential partner's financial situation as important to them. Almost half (44 percent) feel that financial responsibility is more important than attractiveness in a romantic partner. This applies to men too, although the numbers differ according to age groups.

David Lerner Associates: Financial Education is Your Best Investment
Ignorance can be costly, especially when it comes to your financial literacy. Investing time and energy into financial education could be one of the best investments you can make.

David Lerner Associates: Deadly Investment Mistakes
Making investment mistakes can be very costly for obvious reasons, and so they should be avoided if possible. Workers and retirees have been shouldered with an increased burden of taking personal responsibility for their own retirement and savings. Here are some "deadly investment sins" that should be avoided.

David Lerner Associates: Financial Equality in Marriage
Getting married is a very emotional moment. There is so much to do and organize that how you're going to deal with your finances after you're married is often not a major thought. However, once the honeymoon is over and you're settling down to everyday life, this can become one of the most contentious aspects of a marriage.

David Lerner Associates: Women Trailing Men in Financial Fitness
Most Americans were affected by the Great Recession, and the thought of another future financial shock makes us very uneasy. Women are particularly vulnerable, says a study from FINRA, 2012 National Financial Capability Study, and it's taking a toll on their lives with higher stress levels, reduced productivity, and decreased well-being. Only 37% of the women surveyed were rated financially fit as opposed to 45% of men.

David Lerner Associates: Women Need to be More Hands-On Financially
It's important for everyone to keep tabs on their finances, but it seems that women lag behind men when it comes to taking control and planning for a secure financial future. Women face unique challenges that add up to different financial needs. Prudential's 2014-2015 Research Study, "Financial Experience and Behaviors Among Women," shows that although more women are taking control of household finances, they're no more prepared to meet long-term financial goals than they were a decade ago.

David Lerner Associates: IRS Data Theft and the Need to Protect your Personal Information
The U.S. Treasury has released a revised and far scarier picture of the cyber-attack suffered by the IRS last year. Initially, it was thought that just over 100,000 people were affected by the incident, but now they're saying it was over 700,000. That raises the issue of online security and the need to protect your information, as well as staying alert to tax scams as we head into another tax season.

David Lerner Associates: Financial Tools are Just the Beginning
One big worry for many Americans in the prime of life is their financial future - how to pay for their kid's college, when to retire, and whether they'll have enough to retire on are major concerns. April is Financial Literacy Month, a good time to reevaluate financial plans and make sure that the calculations those plans are based on are valid.

David Lerner Associates: Lessons from the Richest Women in History
A recent about the richest women of all time used two interesting factors to decide who made the cut. The women had to have taken an active role in building their fortunes. They compared an individual's wealth to total global economic output at the time. The list includes well-known historical figures such as Cleopatra and Catherine the Great, as well as a few current female billionaires.

David Lerner Associates: Financial March Madness
March is a great time to take stock of your financial situation and get your fiscal affairs in order. March 15th marks the due date for corporate tax returns, and it also marks exactly one month before personal tax returns are due. By now you should have all your 1099s, W2s, and tax documents collected and ready to go.

David Lerner Associates: What to Do With Your Tax Refund
Forty eight million Americans have already received a tax refund from the federal government this year. As tax time approaches, millions more are thinking about what to do with this windfall when it arrives. The latest Bankrate Money Pulse survey shows that there have been some significant changes in what Americans are planning to do with this money this year.

David Lerner Associates: How to Retire Wealthy [INFOGRAPHIC]
If you're under 40, your most valuable asset isn't youthful vigor or a full head of hair. It's time. Retirement is decades away, and contributions to a 401(k) or other retirement plan will have years to compound and grow. Even a modest contribution now will mean a lot more than a larger contribution when you're in your forties and fifties.

David Lerner Associates: How to Prevent Investment Fraud
According to the FBI there were over 1,800 cases of investment fraud in 2011, to the tune of $36 million in recoveries. That's just the amount they were able to recover, which gives you an idea of how big this problem really is. And according to current estimates, that trend will only increase with access to more sophisticated technology by fraudsters. Here are tips to avoid falling victim to these kind of scams.

David Lerner Associates: Being Money Smart in Retirement
It's Money Smart week. A new study has found that Americans in their retirement years gradually lose the ability to manage their money. According to the study the ability to answer basic financial literacy questions wanes as age increases. However, the ability to confidently make financial decisions does not falter.

David Lerner Associates: Tax Plans and Political Candidates
The political race is heating up as the candidates vie for their party's nomination, and as we head into another tax season, it might be interesting to analyze the various tax proposals that each candidate has on their books. A study by The Tax Policy Center has revealed some key points after looking closely at tax proposals for the candidates.

David Lerner Associates: Cyber Thieves Target Men More than Women
A new report claims that men are ripped off three times as much as women. There are many things you can do to stay safe from the digital bad guys. Using strong passwords, secure your computer, installing the latest operating system updates, protecting your data with encryption or passwords, and securing your wireless network are just a few things that can be done.

David Lerner Associates: Tips to Build Wealth
Wealth isn't something you wake up to one morning. It's built and earned over time. Carefully. Strategically. With deliberate purpose. If building a healthy personal fortune is appealing to you, then here are some tips to help you on the wealth-building journey.

David Lerner Associates: Money Smart Tips for Credit Card Debt
38 percent of all American households carry some credit card debt and the average for balance carrying households is $15,779. Americans between 45 and 54 years old appear to have the highest balances of any age group. Credit card debt is not a good idea at any age, but when you're getting close to retirement it could be a significant barrier to future financial security.

David Lerner Associates: Money Smart Tips for Credit Card Debt [INFOGRAPHIC]
38 percent of American households carry some credit card debt. Americans between 45 and 54 years old have the highest balances of any age group. When you're getting close to retirement, this debt could be a significant barrier to future financial security.

David Lerner Associates: The Panama Tax Evasion Scandal
Financial news has been abuzz this past week with the revelation of leaked documents, dubbed "The Panama Papers" detailing a network of banks and law firms that help many of the world's most powerful people hide money in offshore accounts, according to a coalition of investigative reporters.

David Lerner Associates: Saving for Early Retirement
According to a research study by the Employee Benefit Research Institute, Americans' confidence in their ability to secure a financially comfortable retirement increased in 2015, however, only 61% report that they are currently saving. That means that more than one-third are not saving for retirement.

David Lerner Associates: April is Financial Literacy Month
The best investment you could make is financial education. It's an investment in your own financial future and the future of your family.

David Lerner Associates: Who Can Benefit From College Savings Plans?
There are many types of people who can benefit from college savings plans especially parents and grandparents of young children, casual investors, or anyone wanting to transfer wealth to another family member as part of an estate plan.

David Lerner Associates: What You Need to Know about Retirement and Long-Term Care
A comfortable retirement is something to plan for and look forward to. According to the Employee Benefit Research Institute, most Americans are on track with their savings for retirement. But, and this is a big one, have you considered what would happen if you were hit with an additional half million dollars in health care costs? Would you be able to still maintain a comfortable retirement then? It's highly doubtful that even the better off among us could withstand that.

David Lerner Associates: Monopoly and Financial Literacy
Playing Monopoly on game night has been a part of almost every American household for decades. One of the benefits of playing the board game was the financial literacy learning that took place. Now the game is being updated to reflect the current financial landscape - all transactions will be done via debit or credit card.

David Lerner Associates: Estate Planning Essentials
An effective and smart estate plan is necessary if you want to make sure your assets are inherited by the intended parties, no matter the size of your estate. If done right, your plan can limit the taxes owed by the beneficiary. Here are some helpful tips.

David Lerner Associates: Older Americans are Blazing a Trail to Retirement
The theme of Older Americans Month 2016 is Blaze a Trail. The idea is to use this theme to raise awareness about important issues facing older adults. Retirement is certainly one of those issues. According to the Government Accountability Office, among households with members aged 55 or older, nearly 29% have neither retirement savings nor a traditional pension plan.

David Lerner Associates: The DIY Retirement Plan
Part of the American Dream was working hard for 40 years and retiring with a comfortable company pension at age 65. For most of today's young adults, that scenario is no longer an option. A recent survey of corporate pensions revealed that just 28% of the plans they surveyed still remain open, and 25% of workers with an active pension are likely to see the plan close or freeze at some point in the future.

David Lerner Associates: Ending Financial Stress with Planning
Bank of America / Merrill Lynch's 2016 Workplace Benefits Report was an interesting study in the financial confidence of today's workers. 75% of employees polled indicated they are not financially secure, and 60% say they are somewhat or very stressed by their financial situation, according to the report.

David Lerner Associates: National Healthcare Decision Day
April 16th was National Healthcare Decision Day. While most people don't always like to talk about what would happen if they were hospitalized and unable to speak for themselves, we're glad this day exists because it brings awareness to the importance of planning for the future.

David Lerner Associates: Financial Advice for Newlyweds
The honeymoon is over. You've taken a giant leap into adulthood, and the journey is only really beginning now. It would be a very smart thing to do to get on the same page with your finances, especially since it seems to be a source of arguments between married couples.

David Lerner Associates: Maintaining Financial Stability in Economic Uncertainty
The recession (meltdown) of 2008, was a big wake-up call for everyone. Fortunately, the collective anxiety that we experienced being on the brink of another Great Depression has passed, and the world's economy has recovered over the past 8 years. But we shouldn't forget the lessons that recent history has taught us. Here are some things that can be done to weather a potential financial storm.

David Lerner Associates Welcomes Merger Announcement of Apple Hospitality REIT and Apple REIT Ten
David Lerner Associates, a privately held securities broker dealer headquartered in Syosset, New York and the managing dealer of the SEC registered Apple Real Estate Investment Trust (REIT) programs, announced today that it welcomes the recent merger announcement of Apple REIT Ten and Apple Hospitality REIT, Inc. (NYSE: APLE)

David Lerner Associates: Making the Best of Your Financial Education
The statistics speak for themselves. Americans are woefully under-informed about their finances - especially younger folks. The financial literacy of high school students has fallen to its lowest level ever with a score of just 48.3%.

David Lerner Associates: Women and Wealth in the United States
In the United States a substantial wealth gap exists between women and men. A study by Sociologists for Women in Society shows that the gender wealth ratio reveals economic inequalities that are masked by gender income ratios.

David Lerner Associates: Money Smart, Raising your Financial IQ
Money Smart Week was created by the Federal Reserve Bank of Chicago in 2002, and is a nationwide public awareness campaign designed to help the public better manage their personal finances and increase their financial literacy. Free seminars and activities are held around the country. The week runs from April 23-30.

David Lerner Associates: Financial Literacy Lessons for Your Kids
Financial Literacy Month (also known as National Financial Capability Month) is an annual event taking place in April, centered on improving Americans' understanding of financial principles and practices. Here are some basic financial lessons that can be taught to our children that will be of great use to them as they grow.

David Lerner Associates: Women and Small Business
According to the Small Business Administration (SBA), women-owned companies are growing much faster than every other segment of new business in our economy

David Lerner Associates: Generation X and Their Retirement
People in Generation X (those in their 30s and 40s) have solid reasons to be stressed out about their financial futures. Many are saddled with debt, have not saved as much as they should have for retirement, and perhaps were underemployed during recent economic downturns.

David Lerner Associates: College Savings and Loans
According to a survey by Sallie Mae, families are under increasing pressure to take out loans to finance college. Saving for college seems like the best alternative, but there are some misconceptions about the process.

David Lerner Associates: Springtime for Savings
Spring is traditionally a time for dusting off the cobwebs, cleaning out the garage, and infusing new life into your home. Why not take this opportunity to take stock of your "financial home" and make some smart springtime moves that could save you money?

David Lerner Associates: Retirement, Communication, and Marriage
Planning for a blissful retirement can be work sometimes. There are a lot of details to consider, and even more so as a married couple. And even more if there are children involved. It's not the most comfortable conversation to have with your spouse, but it certainly is important.

David Lerner Associates: Money Smart Millennials
They watched their parents finances crushed in the recession and their own financial outlook darken in the times following, but Millennials are now raising their financial IQ collectively.

David Lerner Associates: Mother knows best
Motherly love goes a long way, and motherly advice apparently is more important than one might think. With Mother's Day recently being celebrated, as Americans armed themselves with bouquets of flowers, yummy chocolates and tear-jerking greeting cards, one thing that may not have been on the top of their list of things to consider was mom's money advice.

David Lerner Associates: Millennials Can Create a Lifelong Wealth Plan
For a highly educated generation, Millennials show a surprising ineptitude in certain areas of money management. And a generation that lacks secure pensions will certainly need to prepare for their twilight years.

David Lerner Associates: Elderly Financial Abuse
American seniors have historically been late adopters when it comes to technology. According to a Pew Research Center almost 90% of seniors with a college degree use the internet. With more and more mature Americans getting involved in the online community, the amount of scams targeting elders is ever on the rise.

David Lerner Associates: 3 Reasons Not to Fear Retirement
If you are nearing retirement age, you are not alone. Roughly 10,000 Baby Boomers retire every day in America, and that number is set to stay true for the next 19 years. Many people face uncertainties and fears about their own retirement. When it should be a well-deserved rest after a lifetime of hard work, a lack of planning may result in apprehension and stress.

David Lerner Associates: American Teen Views on Student Loans and College Education
The student loan debt level in America has skyrocketed over the last decade. Before a family commits to the burden of a student loan, perhaps they should talk to their kids - a recent survey of American teens revealed that only 11% plan to take out a student loan.

David Lerner Associates: Americans Regret Not Having a Rainy Day Fund
The recent Bankrate Financial Security survey showed that most Americans have regrets about the financial decisions they've made. At the top of the list is not saving enough for retirement, but a close second is not saving for emergencies.

David Lerner Associates: Money Management Course Most Useful for Young Adults
Students often complain that they won't use what they study in school later in life. One course young adults 18 - 24 say they feel would be most useful is money management, according to a new survey from the National Financial Educators Council.

David Lerner Associates: Money Tips for Newlyweds
Wedding season is upon us. So put on your dancing shoes and get ready to enjoy the tying of knots. If you're the lucky couple walking down the aisle, then congratulations. You've taken a giant leap into adulthood and the journey is only really beginning. It would be very smart to get on the same page with your finances especially since it seems to be a source of arguments between married couples.

David Lerner Associates: How Women's Roles in Family Finances are Changing
Back in the 50s, American women stayed at home and raised the children. In 1960, just over 10% of mothers were breadwinners, and 7% were single moms. By 2011, those numbers had jumped to 40% of mothers as the sole or primary provider, and 25% were single moms. In 2014, 34% were single mothers, and the trend is still on the rise.

David Lerner Associates: Women and Men Think Differently About Finances Too
"Women are from Venus, men are from Mars" has become a saying embedded in our vocabulary. It indicates that women and men see things differently and have a different approach to many aspects of their lives. Finances, it appears, is one of these areas.

David Lerner Associates: Financial Planning Tips for Recent Graduates
As proud families celebrate and relieved graduates get ready to enter the workplace, new financial concerns take precedence. Now it's no longer about how to pay for their education, it's whether they'll get a job and how they'll manage on their own.

David Lerner Associates: 5 Ways to Fix Your Retirement Fund Shortfall
When you hit your 40s or 50s the idea of retirement (which seemed so far off in your 20s) is suddenly right around the corner. If you've reached this age and have not been diligently socking away money for retirement, there are some things you can do to fix the problem.

David Lerner Associates: Smart Money Lessons from the Very Wealthy
We believe that when someone shows success in a field we could learn a thing or two from them. A master craftsman knows how to create beautiful objects, and a professor with a doctorate degree can teach his students well. This idea holds true in the field of finances too - those who have made a lot of money know things that could help the rest of us do better.

David Lerner Associates: Why the 4 Percent Rule No Longer Works
For decades Americans have calculated their retirement saving needs on the 4% Rule - if you can withdraw 4% of your retirement fund per year, there's every chance you'll have enough money for your golden years. That rule was calculated on interest rates much higher than we're seeing now, and it's proving to be not so reliable for people who will retire in the future.

David Lerner Associates Long Island Police Appreciation Run Has Raised More Than $300,000 for the Police Crisis Fund Over the Past 25 Years
David Lerner Associates has organized the Long Island Police Appreciation Run, along with the Greater Long Island Running Club, since its inception in 1991 and has raised more than $300,000.

David Lerner Associates: College Students Personal Finance Grade a C or Worse
In a LendEDU study of 455 college students, 59% rated their ability to manage their money and their finances at a C grade or worse. The survey posed 25 questions to the students, covering how they felt about their financial knowledge to spending habits, budgeting, and saving.

David Lerner Associates: Credit Card Debt on the Rise in America
Even though America's economy is in somewhat better condition now, studies show that credit card debt is at the highest level since 2008. Based on data from the Federal Reserve, outstanding credit card debt is set to hit $1 trillion in 2016. This indicates that consumers are reverting to pre-recession spending patterns.

David Lerner Associates: A New Look at the American Dream
Whenever the conversation turns to financial goals and a secure future, certain ideas at the core of The American Dream pop up - save for retirement and own your own home are two of those. However, times have changed economically.

David Lerner Associates Announces 7th Annual Charity Car Show
David Lerner Associates, a privately held securities broker dealer headquartered in Syosset, New York, announced today the 7th Annual David Lerner Associates Charity Car Show will be held on Sunday, July 17, 2016 at David Lerner Associates headquarters, 477 Jericho Turnpike, Syosset, New York 11791. All proceeds from the event will be donated directly to the Nassau-Suffolk Chapter of the Autism Society of America to assist Long Island families affected by autism.

Nervous Decisions are Costing Investors Money
The stock market is always moving up or down. The aim of all investors is to make money, but a recent study found that the roller-coaster nature of the market can lead some investors to make rash decisions that may cost them a lot of money.

David Lerner Associates to Sponsor Three "Music Under the Stars" Concerts in the Town of Oyster Bay
David Lerner Associates, a privately held securities broker dealer headquartered in Syosset, New York, announced it will once again sponsor three individual Music Under the Stars outdoor concerts in the Town of Oyster Bay. The free summer concerts are sponsored by David Lerner Associates to bring the community together to enjoy great music and beautiful weather.

Millennials and Financial Education
It may no longer come as a surprise to anyone that Millennials do not have an excellent grasp on the management on money. Studies suggest that even with greater financial burdens from economic uncertainty and student loans, they are still lagging behind in basic financial education.

How to Overcome Barriers to Retirement Security
Many people face uncertainties and fears about their own retirement when it should be a well-deserved rest after a lifetime of hard work. A lack of planning may result in apprehensions and stress. There are plenty of obstacles Americans claim are in their way when it comes to saving for retirement: credit card debt, student loan debt, low wages, the need to save for a child's college education, and the list goes on.

Tips for Saving for College
Before you know it, that sweet little baby of yours will be all grown up and graduating high school. Time flies and in the blink of an eye college preparations will be upon you. Unless you plan ahead, it's all too likely that you will be part of the majority of American families who do not have a college savings plan in place.

Brexit - Stay Calm and Carry On
Britain's vote to leave the European Union seems like it should be a strictly local affair - not something to make Americans nervous. But in fact, it may well have something to do with us.

More Americans Working After 70
Traditionally, the retirement age in America is 65. The American Dream was all about working hard for 40 years and then relaxing and enjoying life for the next decade or two. According to the AARP, that is changing.

Cinderella's Personal Finance Lessons
Although women now control 70% of consumer spending worldwide, when it comes to controlling their finances, the numbers are less encouraging. A recent study by Key Private Bank showed that even among high net worth women, household finances are still predominantly controlled by men.

Estate Planning Basics
Do you have an estate plan? A basic estate plan is an important financial document for everyone to have, whether you think you need one or not, and here's why - With few exceptions, everyone has an estate, even the young child with a bank account in his name that his grandparents set up, or the coming-of-age girl who received a gold necklace for her 16th birthday.

Finance tips for Small Business
Being an entrepreneur can be a stressful and challenging endeavor but also incredibly exciting and rewarding. There is no end to the many financial, legal, staffing, marketing, and customer issues that will come up as you launch your business.

How to Simplify Your Finances
Simplifying your finances is an activity that we could all benefit from. In a Pew Trusts study, it was revealed that 1 in 5 Americans say that they are not planning for retirement.

5 Personal Finance Tips for Women
While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life, and unfortunately, too many women lack confidence, and may hesitate to take control of their finances.

Is Divorce Derailing Your Retirement Fund?
Just as getting married involves financial decisions, so does divorce. Splitting up your assets is one of the main areas of concern - and this includes investments and retirement accounts. It's important for each of the partners to retain some of the retirement fund.

FINRAs Advice for Keeping Your Financial Data Secure
Identify theft has been the number one complaint reported to the FTC for 15 years running. In 2015, almost half a million cases were reported. The loss of financial data can be devastating, and it can take a long time to recover.

Power of Attorney Tips
None of us likes to think about the possibility of something happening that might prevent us from managing our own finances, but it does happen. If you are ill, incapacitated, or just out of the country, you might need someone else to manage your money for a while.

Hollywood's Financial Literacy Lessons for Women
Watching films can be a pastime usually considered pure fun or even escapism. Some films are more pertinent than others, especially when it comes to learning life lessons. Learning from other people's mistakes, even if they are fictional characters, could be beneficial for your future.

FINRA Study on Emotions & Financial Fraud
This week is National Fraud Awareness Week, and according to the Investor Protection Trust, almost one in five Americans over the age of 65, or nearly seven million seniors, have been taken advantage of financially. A recent study from Stanford University, FINRA, and AARP revealed that inducing strong emotions has an effect on older adults' financial decisions.

David Lerner Associates Raises $10,000 to Benefit the Nassau-Suffolk
David Lerner Associates, a privately held securities broker dealer headquartered in Syosset, New York, announced today that its 7th Annual David Lerner Associates Charity Car Show was the most successful in its history, raising approximately $10,000 to benefit the Nassau-Suffolk Chapter of the Autism Society of America.

Money Tips for College Graduates
With the new school year approaching, proud families and students alike will be preparing for a new generation of graduates to enter the workplace. With the next chapter in their lives just around the corner, new financial concerns take precedence.

3 Financial Tips for the Real World
There are many and varied tips available for anyone looking to educate themselves on what the "experts" recommend when it comes to financial planning. The internet abounds with such tips and advice. However, some of these things are easier said than done, especially when it comes to the workaday world and trying to keep up in an ever-more-volatile economy. Let's take a look at some of these tips, and how they can be applied to the real world.

How to Manage Credit Card Debt
American Credit Card Debt Statistics now show that the average American household debt is over $5,500. The average for balance-carrying households is over $16,000 with a total outstanding U.S. consumer debt of $3.4 trillion.

5 Personal Finance Tips for Women
While most financial tips apply to everyone, there are some that are more relevant to women. 90% of women will have to manage their finances on their own at some point in their life and unfortunately too many women lack confidence and hesitate to take control of their finances.

Millennials Most Common Money Mistakes
Although young Americans who graduated this year are better off than their older siblings, they're still feeling some effects of the Great Recession. One thing they are doing right is starting to save earlier than previous generations, but their biggest money mistakes are not saving enough and holding what they do save in cash.

Financial Lessons for College Students
Almost 2 million students are expected to graduate this year, and according to some reports they'll be entering a very positive job market. Along with many other freedoms graduates will experience once they end their school career, they will also have to manage their own finances, probably for the first time.

5 Steps for a Better Retirement
Do you worry about your retirement? According to experts, you should be worried. A Government Accountability Office analysis found that average Americans between the ages of 55 and 64 have saved only about $104,000 in retirement savings.

Death and Debt
The death of a spouse is heartbreaking and something that no one really wants to think about. Unfortunately, it is something that needs to be considered and a plan put in place to ease the major adjustment in one's life. The surviving spouse faces more than just overwhelming emotions - he or she may also face the challenge of handling a loved one's outstanding debts.

3 Steps to Eliminate Credit Card Debt
When it comes to debt, it can be debated whether there is such a thing as "good" or "bad" debt. Either way, eliminating credit card debt is always a good idea. Consider these three steps for getting out of credit card debt.

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