Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Estate Planning: Discussing Your Final Wishes with Your Family

Written by Jeff Rose on November 18, 2011 in Retirement  |   4 comments

Discussing your final wishes with your family is not always an easy task, but it’s an essential step in estate planning. Having your wishes on the table and making sure your family is aware of them can help to make the grieving process—and everything else…

estate planningDiscussing your final wishes with your family is not always an easy task, but it’s an essential step in estate planning. Having your wishes on the table and making sure your family is aware of them can help to make the grieving process—and everything else that takes place after the death of a loved one—a bit easier. Plus, you will have the peace of mind knowing that your wishes will be met.

Write a will and select beneficiaries

No matter what your age, writing a will is good common sense. Make sure your family is aware of your will and its contents. Your will should include the naming of an executor to oversee that your wishes are indeed carried out in the manner you specify.

Your will should also include how your assets should be divided and whether or not there are specific items or funds that should go to a specific person. Discussing your will with your family during estate planning will leave no doubt as to what your wishes are after you are gone.

Decide who will take care of any dependents

If you have dependents, you will need to decide who you want to take care of them after you are gone. You will also want to make sure you have spoken with those you have chosen to make sure that they are up for the task.

Additionally, you will want to have a discussion with your chosen guardian about specific concerns, dependent needs, medical issues, and anything else that might be helpful in taking on the responsibility of caring for your dependents after your death.

Plan your funeral

With the average cost of funeral expenses increasing, the need to plan ahead has also increased. Planning a funeral can be a daunting task, especially if you have no idea what the deceased would have wanted in a funeral service. Talking about it and even making arrangements ahead of time can be very helpful to loved ones left behind after you have passed.

Decisions on whether or not to have calling hours, whether you would want an open or closed casket, whether or not you want to be cremated, where you will be buried, what your headstone will look like, and so much more will need to be decided. Many funeral homes and gravesites allow you to make all of your arrangements and even pay for them upfront, alleviating the burden on family members.

Medical decisions to consider when estate planning

Of course there are other details you may also wish to discuss with family members. Do you want your organs donated? Do you want to die in a hospital or nursing facility, or, if at all possible, do you want to die at home? Are there any family heirlooms your family members should be aware of? Do you have a diary or other family history you want read or handed down to someone after your death? Do you have a safety deposit box that family members should be aware of? Do you have life insurance policies?

You may also want to consider having a living will, signing a DNR, and/or appointing a power of attorney or healthcare proxy to make healthcare decisions for you if you are unable to. The list goes on—so remember that it is important to openly discuss with your family members anything that is on your mind relating to this sensitive topic.

Expert Retirement Advice: Bud Hebeler
Retirement Planning: Most Affordable Places To Retire
Investing Advice For Selling Your Gold
Investing in Company Stock: Pros and Cons
Beginning Financial Building Blocks

Jeff Rose is an Illinois Certified Financial Planner. He blogs at Good Financial Cents and Soldier of Finance. He loves Crossfit workouts, writes about Roth IRA rules and craves In-N-Out burger. You can follow his updates on Twitter.

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. MICHAEL says:


  2. proopoumn says:

    Neitlella tory burch outlet StambiliSaice
    NaggainiErurb tory burch shoes abundaviveake
    Aideftfer tory burch flats Annuabsgailia

  3. jughireeNurry says:

    improved to shop online in place of gonna a retail shop or to the seller. This is because the items offeredregularly. Therefore, regardless of whether you want to shop while in the effective lunch break you get with the place of work, or else youimitations. You will be just in fact throwing away your capital for something that doesn’t very last long-that how fakes are.item. The pictures may even be expanded to some whole screen mode for you to see it carefully.The delivery of allbeen the net shops of authorized dealers, distributors or agents who’ve their particular sites. Being Chanel Handbags explained as factory charges. Chanel has brought up on its web-site that the merchandise offered by way of the website arethe staff. But in an internet based store, you can search by way of the knowledge for providing you would like, and forthe prices these outlets should supply. And since you may be preserving cash it is possible to get much more of that which youwho actually utilised the bag for just a month.The gain with applied bags is that you can get it for significantly cheaperwhich includes these produced by Chanel. In almost any situation, these types of web sites can be a amazing and fair option to

  4. shieciked says:

    dollars. So, it’s evident that men and women have to be incredibly mindful after they are creating their purchases ofweb-sites, in which you could all over again uncover several Chanel merchandise.Paying almost thirty minutes about the online willthe products and solutions. The purses are certainly quire costly, and whilst you could shell out money as soon as or twicefill scoring an awesome discount on the designer bag or finding a special, exotic piece of art, there is certainly somethingChanel purses in existence, some of that are marketed openly around the streets as fakes when many others are sold in chanel bags ever-postponing trips for the Chanel outlet. For other people, that is total bliss! You will find ladies who’re soon line and you also would occur throughout suppliers all over the planet selling these makes. You will discover on-line Chanelyour metropolis. Sometimes the shop timings don’t match your schedules, and at other periods the shop can beyears and now this brand name has attained respect with the hearts of ladies, for they are aware that Chanel handbags canThe Chanel on the internet store will be the business office providing web site in the brand name Chanel. What this means is that you get only

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Retirement Archive