Protect Your Digital Assets

A bank or brokerage account will not take your assets if you pass.  However, your digital assets, such as photos or frequent flier miles, may disappear upon your death, if you do not take steps to protect them. What is worse, what if you have online accounts (such as...

Tipping: How Much and to Whom?

According to a Consumer Reports survey of more than 1000 adults, more than 27% of respondents said there are more instances where tipping is or could be expected than two years ago.  However, the etiquette guidelines have not kept up with the new services that may...

Stand Your Ground or Retreat?

House Bill 228 went through many changes before it was signed into law late in 2018. The prior law stated that Ohioans had a duty to retreat if possible prior to using deadly force to defend themselves. The provision that was ultimately removed from the new law would...

The Latest Scams and How to Protect Yourself Against Them

We live in an era of robocalls and telephones and online scams.  It seems more and more ‘bad guys are trying to separate us from our hard-earned money.  How do we identify the scams and what can we do to protect ourselves from the scammers?   Uninsured Accident The...

Do You Have a Will? Do You Need One?

Most Americans don’t have a will, the legal document that indicates what you want your heirs to inherit and who you want in charge of your minor children when you die. Unfortunately, less than half of adult Americans don’t have a will in place when they pass away....

Applications of Consumer Psychology 2: Induced Demand

Induced Demand is a phenomenon small business owners should get familiar with. Conventional wisdom holds that higher supply floods a market of a resource, in turn lowering its demand among consumers. Induced Demand is what we call the opposite: supply for an item will...