Despite a Wayne County Commissioner asking for his resignation, executive Robert Ficano says …

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Many people feel that they do not need financial services/consultants because they feel that those advisors only work with the wealthy. But financial planning is a smart move for anyone, regardless of income. In fact, the less money you make, the more attention you need to pay to managing it. So it makes sense to hire someone to help you with both your short term and long term financial planning. There are four basic areas in which you can get help with your finances from an advisor:

The biggest area of people’s lives that requires financial planning is managing their estates. How can you plan to leave the best bequest possible to your heirs, without losing it all to penalizing taxes? A financial expert can help you navigate the tax laws so that you can leave the most money while paying the lowest taxes. In addition, a financial planner can help you leave part of your estate to charity, if that’s your wish.

Another big area that usually requires a lot of advance planning is your retirement. How do you want to spend your golden years? If you know when you want to retire, and know what you want to be doing during your retirement, then you probably need a step by step map to help you reach your goals. This is where a financial planner can make the difference between dreams and reality. If you need help making a solid retirement plan, your expert can help you reach your goals.

Are you ready to begin college savings for your children? If so, you probably wonder how much you should save, how you should invest, and so forth. If this is the case, then a financial planner can help you to maximize your return while planning solidly for the future. No matter what your income, you can save a little aside to help your kids make it through college, and a financial planner can help you to do so.

And of course, everyone can use a little help with credit management. How much money should you have over at the end of the month? Should you dump your credit cards? A financial planner can answer these basic questions so that you can make the most out of every dollar you earn.

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A Nigerian who tried to blow up an international flight near Detroit on behalf of al-Qaida has been sentenced to life in prison without parole.

http://www.clickondetroit.com/news/Inside-the-courtroom-for-the-Underwear-Bomber-sentencing/-/1719418/8787562/-/vuukbqz/-/index.html

So, by this time you’re probably wondering what’s the deal with Jeremy Lin of the NY Knicks? 

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Some people seek financial expert’s help in explicit areas at specific times. For instance, having a tax person do our taxes every March and not using a financial expert any other time. Financial services may include accountants, tax specialists, 401k specialists, or pension specialists among other. Financial services could encompass stock portfolio strategies or managing your trades; many folks have them on retainer to handle all their needs. Financial services provide numerous services; a consultant typically specializes.

Advanced planning is a specialized field and you’ll find plenty of consultants that deal exclusively with planning for and setting up a means to achieve all your latter year goals, so that there is no hardship on your family. You’re never too young to start thinking about financial planning for late-in-life financial strategies. End of life planning is often forgotten.

Some people will need long-term care when they get old. Some long-term care plans allow for retirement homes and assisted living facilities, some just cover the person getting home-care. What type of long-term care you establish and plan for is up to you. Whatever way you decide on, it takes financial planning. Since we’re all going to eventually pass away, we need to plan for this eventuality.

A financial adviser who specializes in these things will help you plan your finances so every eventuality is covered. When you die, your remains by law, have to be buried or cremated. We all ought to have a Will, a Living Will, and other legal documents to express our wishes. A casket is part of the plan, regardless. Caskets start around $10,000 and go up to uncountable sums. Add in burial plots, funeral services, and all the things that no one even thinks about at such emotional times; combined, the costs could really hurt a loved one’s finances.

Irrespective of how young you are, start planning for this now, so that you don’t burden others. A financial consultant who concentrates in this area can meet with you and cultivate a plan of savings and investments to make sure your loved ones aren’t burdened. These consultants also help you set up the arrangement and funding plan.

Consultants will create plans to achieve your financial goals, so that all your financial costs are covered in all cases. The financial counselor will help you decide what insurance to buy; and research all that you may need. Head online and find a local financial consultant.

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Most rural crime comes from home invasion and breaking into cars to steal property. Professional locksmiths are your go-to expert to tighten up security in and around your home. Recent studies are showing that while violent crime is down, non-contact crime is up. Professional security experts tell us that having strong locks on home entry points and cars is the primary deterrent to theft.

Your locksmith will explain options within your budget. Call your local locksmith to come out to your home. They’ll do a security check. If budget is a concern, many reasonable locks will provide needed security.

It is worth mentioning that police departments across the country say that the majority of thefts occur because people don’t lock their cars and homes! You have to use the locks you have to keep thieves from stealing your property. Locksmiths can advise and examine your doors and windows, but no locksmith can help you, if you don’t lock up!

Door hinges should be strong with hidden or non-removable hinges to provide extra security, so they’ll, check those. Although not the locksmith’s area, they’ll all say that highly-placed lights over all entry points is a smart deterrent for would-be intruders. This means moving existing lights up out of reach, so no bulbs can be easily broken or darkened. Your locksmith will likely recommend a solid wood door.

The locksmith will check to see if you have a deadbolt. Deadbolt locks are the most secure. There are varying degrees of security within each deadbolt lock. Some have rotating cylinder guards; these are the best. The deadbolt should protrude at least one inch. You might look into a vertical deadbolt or rim lock. These offer double locks that attach to the door jam. With the right quality of steel, these can be almost impossible to break. They’ll check to see if your door’s strike plates are secure and have long screws so that doors can’t be easily kicked in. They’ll check all your windows and ensure that each type of window has the lock necessary to keep intruders out. Your locksmith will explain all your security options.

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The Detroit City Council on Thursday voted on a map of districts for the future election of members …

http://www.clickondetroit.com/news/Detroit-City-Council-approves-districts/-/1719418/8795596/-/utdhbaz/-/index.html

Is your cell phone making you selfish?  A new study suggests users are less likely to help others …

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Prosecutors have issued investigative subpoena to get more information out of those close to the Jane Bashara murder investigation …

http://www.clickondetroit.com/news/investigations/Subpoenas-issued-in-murder-of-Grosse-Pointe-Park-mother/-/1719314/8795470/-/vx1y3x/-/index.html

The Detroit City Council on Thursday voted on a map of districts for the future election of members …

http://www.clickondetroit.com/news/Detroit-City-Council-approves-districts/-/1719418/8795596/-/utdhbaz/-/index.html