“When exactly do I sign up for Medicare?” It’s one of the most important questions I answer, because getting the timing wrong can cost you a penalty for the rest of your life. Let’s make it simple. Yo…

Mom called me on a Sunday afternoon, and she sounded excited. “Kim, I got an email — they charged me $399 by mistake and they’re very sorry. I just need to call this number to get my money back. Shoul…

Mom called me with her reading glasses still on. “Kim, I have an email from Apple. It says there’s a problem with my account and I need to sign in today or it’ll be locked. There’s a blue button.” Thi…

“Which Medicare do I even have — A, B, C, or D?” If you’ve ever asked that, you’re in wonderful company. In 30 years of counseling, it was the question I heard most. So let’s untangle the alphabet, on…

Mom called me before I finished my coffee. “Kim, I got a text message. It says my phone has three viruses and I need to download a cleaning program right away. Which button do I press?” Here’s the str…

Mom called me on a Tuesday. “Kim, I got an email from McAfee. It says my protection expired and they’re charging me $140 for the renewal. Do I need to pay it?” Here’s what I told her: No, Mom. You don…