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August 21, 2025
By
The Admiral Staff
Following the death of a spouse, it’s crucial to revisit and update your estate plan. Experts recommend four key steps: updating powers of attorney to designate new decision-makers, reviewing your will or trust to ensure assets are distributed as intended, checking and revising beneficiaries on accounts like life insurance and retirement savings, and considering adding a trust to protect assets and potentially qualify for Medicaid. These adjustments are vital as the surviving spouse is now legally considered single, potentially impacting asset protection.
August 21, 2025
By
The Admiral Staff
The Aven Visa® Credit Card is a new type of credit card that combines the benefits of a rewards card with a home equity line of credit (HELOC). It offers significantly lower interest rates (7.99% to 15.49% variable APR) compared to traditional credit cards, along with 2% unlimited cashback and travel rewards. Unlike traditional HELOCs, the application process is quick—taking as little as 15 minutes online—and avoids costly fees.
August 20, 2025
By
The Admiral Staff
An unused credit card can negatively impact your finances in several ways. It can affect your credit score by impacting payment history, credit utilization, and length of credit history. Credit card companies may also reduce your credit limit or close the account altogether due to inactivity. Finally, not monitoring your card regularly increases the risk of becoming a fraud victim without realizing it. To mitigate these risks, the article suggests making small, manageable monthly payments with subscriptions, regularly checking your credit card statements and apps, and being aware of
August 19, 2025
By
The Admiral Staff
This article explores various options for finding affordable audiobooks, ranging from subscription services to free resources. **Audible** offers a vast library but comes with subscription costs ($7.95-$14.95/month). **Audiobooks.com** provides a large selection and free VIP books with a $14.95 monthly subscription. **Scribd** boasts “unlimited” listening for $11.99, though access to popular titles may be limited. **
August 19, 2025
By
The Admiral Staff
The article offers five ways to recover financially after overspending on vacation. These include earning quick cash through online surveys, tasks, or games (potentially earning up to $1,000/month), utilizing a “pantry challenge” to reduce grocery expenses, selling unwanted clothes, implementing a “no-spend” period, and automating savings through apps or automatic transfers. Finally, it suggests creating and sticking to a budget, potentially using the cash envelope system, to regain control of finances.
