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If you have been a victim of investment fraud or misrepresentation, you should file complaints with a few sources:

1)  Your state’s securities regulator: It can determine if the broker or company has violated state specific securities laws.

2) The Securities and Exchange Commission:  For violation of federal securities laws.

3) The Financial Industry Regulatory Authority: FINRA accepts complaints about brokers and their firms.

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Looking into the background of a financial advisor is one of the most important steps an investor can take toward protecting their assets.

The CFTC recently launched a new tool – SmartCheck.gov – to help make it easier to do that. Through the tool, you have access to multiple databases of federal and state agencies and self-regulatory organizations that provide background information on financial advisors. It is an easy and free process, requiring no usernames or passwords.

Update financial and health care arrangements as soon as possible when someone is diagnosed with Alzheimer’s disease or another serious illness expected to cause declining mental and physical health.

With diseases such as Alzheimer’s, the person may lack or gradually lose the ability to think clearly. This change affects his or her ability to participate meaningfully in decision making and makes early legal and financial planning even more important.

Although difficult questions often arise, advance planning can help people with Alzheimer’s and their families clarify their wishes and make well-informed decisions about health care and financial arrangements.

When renting a beach or lake house for vacation, make sure the property actually exists. Do your homework before paying.  Check out the owner or rental company, consult maps and read the lease carefully. Pay with an online payment service or a credit card so you can dispute the charges if something goes wrong.

If you buy tickets from a major vendor, remember surcharges and additional fees may be tacked onto the listed price. Some venues require the same credit card used to purchase tickets be presented when the tickets are picked up, so if you are buying tickets for someone as a gift, they may have difficulty getting them at will-call.

Unlicensed home repair or landscaping contractors may come to your door to offer services. Always research contractors, pay for services upon completion and not ahead of time, also consider using a signed contract outlining the work to be done and the exact price.

If your symptoms are too difficult to manage with medication, your doctor can perform a skin allergy test to get a more accurate diagnosis. Based on the results, the doctor will prescribe the proper course of treatment.

Certain medicines may help alleviate symptoms of allergies or allergic rhinitis. Talk to your doctor about the right allergy medications for you.

Some common allergy medications include:

*   Nasal and oral decongestants
*  Antihistamines in pill, syrup, or drop form
*  Nasal sprays, with or without corticosteroid

The cost of long-term care varies by care setting. The average cost of a private room in a nursing home was $229 per day or $83,585 per year in 2010. Less than one-fifth of older people have the personal financial resources to live in a nursing home for more than three years and almost two-thirds cannot afford even one year. Medicare provides coverage in a skilled nursing facility to older and disabled patients for short time periods following hospitalization. Medicaid covers long-term care in certified facilities for qualifying low-income seniors. In 2006, Medicaid paid for 43 percent of long-term care.

Older Americans, prevalence of chronic disease has risen, and many older Americans are unprepared to afford the costs of long-term care in a nursing home, according to a report from the U.S. Census Bureau commissioned by the National Institutes of Health.

Research based on NIA’s Health and Retirement Study suggests that the prevalence of chronic diseases, such as high blood pressure, heart disease, chronic lung disease, and diabetes, increased among older people between 1998 and 2008. For example, in 2008, 41 percent of the older population had three or more chronic conditions, 51 percent had one or two, and only 8 percent had no chronic conditions.

Most people who die from hyperthermia each year are over 50 years old. Health problems that put you at greater risk include:

* Heart or blood vessel problems, poorly working sweat glands, or changes in your skin caused by normal aging.

* Heart, lung, or kidney disease, as well as any illness that makes you feel weak all over or results in a fever.

* Conditions treated by drugs such as diuretics, sedatives, tranquilizers, and some heart and high blood pressure medicines. These may make it harder for your body to cool itself by sweating.

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Heat stroke can be life threatening:   You need to get medical help right away. Older people living in homes or apartments without air conditioning or fans are at most risk. So are people who become dehydrated or those with chronic diseases or alcoholism.

Heat exhaustion is a warning that your body can no longer keep itself cool. You might feel thirsty, dizzy, weak, uncoordinated, and nauseated. You may sweat a lot. Even though your body temperature stays normal, your skin feels cold and clammy. Some people with heat exhaustion have a rapid pulse. Rest in a cool place and get plenty of fluids. If you don’t feel better soon, get medical care. Be careful—heat exhaustion can progress to heat stroke.

Heat edema is a swelling in your ankles and feet when you get hot. Putting your legs up should help. If that does not work fairly quickly, check with your doctor.

Heat cramps are the painful tightening of muscles in your stomach, arms, or legs. Cramps can result from hard work or exercise. While your body temperature and pulse usually stay normal during heat cramps, your skin may feel moist and cool.

These cramps are a sign that you are too hot. Find a way to cool your body down. Rest in the shade or in a cool building. Be sure to drink plenty of fluids, but not those with alcohol or caffeine. Caffeine can cause you to be dehydrated.

There are many types of insurance a person needs such as auto, home, health, and dental just to name a few. So here are some tips that may help you in saving money on the cost of insurance.

1) Shopping rates: Make sure to shop out your insurance each year to confirm you are still get the best price for your benefits. Before renewing your existing policies each year, check out the rates of competing companies. See if it cheaper to pay the plan annually compared to monthly (Often times companies will provide a discount for paying in full for the year vs paying monthly.)

2) If possible think about raising the deductibles on auto and homeowners’ insurance: Being willing to pay $500-1,000 on a claim, rather than only $100-250, can reduce annual premiums by as much as several hundred dollars.

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Prescription drugs can start to become very costly here are just a few tips that may help you save some money off your prescription drugs

*  Ask your physician if generic drugs are an option. Generic drugs can cost several hundred dollars less to purchase annually than brand-name drugs.

* Shop out for the lowest-cost place to purchase prescription drugs. Make sure to check out not only your local pharmacist but also local supermarkets, area discount centers, and mail-order pharmacies.

* Purchase store brand over-the-counter medications. Store brand medications often cost 20-40 percent less than nationally advertised brands. The savings could easily exceed $100 a year.

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